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Comparing car insurance: what to know
When comparing car insurance rates, it helps to know how insurance companies arrive at the quotes they give to you. Along with the type and amount of coverage that you choose, your auto insurance rates depend primarily on a number of personal factors including your driving record, your age, your credit history, your vehicle, and the risk level of your area. Insurance companies’ weighting of these attributes is reflected in your premium. For example, having a limited driving history or a poor credit score can raise your rates dramatically.
This unbiased guide — written by Insure the Future insurance experts — outlines the factors that comprise car insurance premiums and provides tips to help you compare quotes and find the right car insurance policy.
This unbiased guide — written by Insure the Future insurance experts — outlines the factors that comprise car insurance premiums and provides tips to help you compare quotes and find the right car insurance policy.
Key Takeaways:
- Your insurance rates are based on personal factors like age, gender, driving record and claim history
- Trusted car insurance comparison sites like Insure the Future are the best way to find cheap car insurance rates
- Drivers who are new, young or have a bad driving record or credit history see higher than average rates
- Getting auto insurance quotes has no impact on your credit score
Why insurance comparison shopping is important
While drivers pay an average of $1,529 per year for auto insurance, your individual rate may be significantly more or less. Auto insurance companies use varying methods to underwrite policies. This means that the auto insurance rate you are quoted might not match your quote from a competing company. However, you can expect that your individual driver profile is one of the primary factors used to determine how much you’ll pay. Complicating matters even further, car insurance quotes can fluctuate depending on trends in the wider insurance market. Because of the many variables at play, the best way to find car insurance is to compare auto insurance rates from a number of companies.
While shopping around can lead to affordable car insurance for all drivers, this is especially important for those with a poor credit history or who lack a clean driving record. Rates for such drivers are already higher on average, even for the minimum coverage required by your state.
While shopping around can lead to affordable car insurance for all drivers, this is especially important for those with a poor credit history or who lack a clean driving record. Rates for such drivers are already higher on average, even for the minimum coverage required by your state.
The best way to find car insurance is to compare auto insurance rates from a number of companies.
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12-MONTH CAR INSURANCE RATES WITH VERY GOOD CREDIT
| Company | Avg. Annual Premium |
|---|---|
| Travelers | $1,226 |
| USAA | $1,291 |
| State Farm | $1,369 |
| Nationwide | $1,411 |
| GEICO | $1,461 |
| American Family | $1,466 |
| Farmers | $1,657 |
| Progressive | $1,659 |
| Allstate | $2,302 |
Car insurance comparison FAQs
Actually, we're an insurance comparison website. The key distinction is that we consolidate the top insurance companies in a single location to aid you in discovering the optimal policy that suits your needs.
In just five minutes, you can receive multiple insurance quotes from all the major insurance companies by answering a few questions. We'll calculate the numbers for you, making it easy for you to decide on a policy. You can then make your purchase online or through one of our licensed insurance agents.
Our independent insurance agents are licensed to offer policies from all the major providers, and they are always available to assist you in finding the coverage you require as your needs evolve over time.
Excellent query! There are a couple of ways we generate revenue. Firstly, we earn a commission when you purchase a policy through one of our insurance agents. Secondly, when you opt to receive a quote, we notify your chosen insurance company of your interest. They then compensate us with a commission instead of a thank-you card. These commissions enable us to provide our services free of cost to policy shoppers worldwide.
It's your call. If you want to purchase a policy directly through your provider, they'll have your quote ready. Or you could skip the trip to another site and buy a policy through Insure the Future. No matter which you choose, it's the same policy.
Yes. As real people with real data, we understand the importance of keeping your personal information private. That's why we pledge to never sell your data to spammers.
Each of our independent insurance agents is licensed to offer policies from every major provider. As your needs change, they'll always be there to help you find the coverage you need.