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How can I get the best auto insurance price?
Here's what you need to know...
- You will need to purchase liability coverage that meets or exceeds your state’s legal minimum requirements
- Collision Insurance is not required by state law, but it might be required by your lender if you still owe money on a car loan
- Comprehensive Insurance might be required by your auto loan company
Since car insurance premiums are a burden that almost all vehicle owners have to absorb, many consumers are interested in getting the right coverage at the best possible price. After all, you will end up paying to cover your vehicle as long as you own it.
However, getting the right price does not always mean that you should choose the cheapest premium that you are offered, but you should look for a fair premium for the right type of coverage from a good insurer. In order to judge this, it is helpful to learn a little bit about car insurance prices.
In order to judge this, it is helpful to learn a little bit about car insurance prices among the best car insurance companies.
The easiest way to compare quotes is by entering your ZIP code into the FREE tool above!
Auto Insurance Prices Vary By Local Area
The place where you generally park your car at night affects your premium a lot.
It might be interesting to compare some of the states with the highest and lowest average car insurance prices:
- Average car insurance premiums in Louisiana – $2,699
- Average car insurance premiums in Michigan – $2,520
- Average car insurance premiums in Maine – $934
- Average car insurance premiums in Iowa – $1,028
Learn more here: Cheap Auto Insurance by State
Why are some states so much more expensive than other states? A variety of factors can affect the premiums that insurers charge.
This can include the number of injury claims, the percentage of uninsured drivers, minimum required liability insurance laws, and other state regulations.
Even within states, different zip codes and counties can have vastly different average rates. Typically, urban areas with a lot of traffic are more expensive places to purchase policies than rural areas.
The most important considerations might be your age, the kind of coverage you need, the type of car you own, the way you drive your car, and your driving record. You might also be able to qualify for discounts that can substantially lower your premiums.
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What kind Of coverage do you need?
A standard auto policy might actually provide you with a package of a few different types of coverage.
- Liability Insurance – You will need to purchase liability coverage that meets or exceeds your state’s legal minimum requirements
- Collision Insurance – This is not required by state law, but it might be required by your lender if you still owe money on a car loan
- Comprehensive Insurance – Like collision insurance, this might be required by your auto loan company
In most cases, you cannot legally avoid purchasing liability insurance. You can choose to purchase coverage that just meets the minimum state requirements. These are different in each state, and they are also fairly low in some states.
Liability protects you from claims by other drivers or property owners in case you cause an accident that does damage.
Collision insurance covers your car for accident damage. Comprehensive covers damage to your car from non-accident incidents.
If you do not owe any more money on your loan, you might be able to save money by eliminating collision and comprehensive coverage, but you will be responsible for replacing or repairing your car by yourself if it does get damaged.
How can you find the best auto insurance prices for your car?
After you have determined which type of coverage you need, it is time to shop around for the best prices. Lots of car owners think that all insurers are about the same, but this can be a mistake that costs those folks a lot of money.
It really is true that some insurers tend to court the business of different types of drivers with discounts and lower rates.
Shopping around can save you money. If you save a few dollars a month, it can really add up over the course of the years that you will probably own your vehicle.
In fact, one of the surest ways to reduce your monthly bills might be to find cheaper car insurance premiums.
There are a couple of good ways to shop for coverage prices. Some people end up getting the right coverage if they combine these two methods.
Can online quotes help you find the best insurance prices?
The right strategy might be to start with online car insurance quote systems. You only have to enter your basic information in one time. In return, you should get a handful of competitive price quotes to compare..
When you get your quotes back, they should also come with contact information for local agents or company representatives.
You are free to call or email these people for more information about any policies that look like they provide good coverage and offer competitive prices.
This is a good way to combine automation and personal service to find the right deals.
Find Good Prices and Good Coverage
Paying a little bit less will not save you money if you end up having to pay a lot more when you do make a claim. Try to balance buying good coverage at a low premium.
You can find a lot of car insurance information online, but a good local agent can also help you understand your coverage options and help you find the best auto insurance prices.
Enter your ZIP code below to start comparing car insurance quotes for FREE!
Auto Insurance FAQ / Cheap Auto Insurance