Get A Quote Today on Auto Insurance

Looking for insurance quotes? Whether you’re a driver or someone who uses a carpool, it can be hard to know what’s best for you. That’s why we’ve put together this guide on how to get the most accurate quotes for your needs.

auto insurance is an important decision that you make when it comes to your safety and security. You need to have a sturdy insurance policy in order to cover you in the event of an emergency. There are many different companies who offer auto insurance policies, so it is important to research what is best for you.

Looking for auto insurance quotes? You’re in luck! A variety of insurers offer rates and coverage that can fit your needs. Get started by checking out comparison websites or talking to a representative from your chosen insurer. The key to getting the best deal is being honest with your new agent. Some agents will only give you quotes based on a single insurer, while others will give you multiple quotes from different companies.

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We can help you find the best policy for your needs and we’re always happy to answer any questions. So come in today and let us help you get all the coverage you need! The popularity of cars has led to more and more people needing to insure their vehicles. auto insurance is a necessary safety measure for both drivers and passengers. There are a number of reasons why you might need to get car insurance, but one of the most important is because you could be involved in an accident.

Auto insurance can help protect your financial stability in the event that something happens to your vehicle, whether that’s an accident or something more serious like a radiator bursting. Looking to buy Auto Insurance? Take a look at our latest article, which covers the best ways to get quotes and learn about rates. Whether you’re a driver looking for affordable rates or a family trying to keep everyone safe, we have something that’ll work for you.

Check out our website now and get started on finding the perfect policy! When it comes to auto insurance, you want to make sure that you’re getting the best deal possible. That’s why it’s important to get a quote today. You can save money and get a policy that meets your needs. Don’t wait another day – call us now! auto insurance is a necessary evil. without it, we would all be in trouble. however, finding the right policy can be daunting. whether you’re just starting out or have been driving for years, getting a quote can be helpful. with the right policy in hand, you can make sure you’re taking care of your business and protect yourself and your loved ones.

auto insurance can be a daunting task, but with the right help, it can be a breeze. By calling a professional insurance company today, you can get a quote that is tailored specifically to your needs. That way, you’ll know exactly what coverages are necessary and how much you will pay. When it comes to auto insurance, you always want the best deal. That’s why you should always check for quotes online. By getting quotes from different companies, you can get a good understanding of what is best for your needs.

Plus, with so many Auto Insurance companies available online, it can be hard to know which one to choose. So if you’re looking for an affordable policy and don’t have a lot of time to consult with friends or family, get started on finding a quote today! auto insurance is a necessity for many people. Whether you have a car or not, having auto insurance is a good idea. Not only will you be covered in case of an accident, but you also need it if you are caught driving without your license.

If you’re considering buying or renewing your car insurance, it’s important to get a quote today. Auto insurance is one of the most popular and important policies in your life, and it can cost a lot to get the coverage you need. You don’t want to spend too much money on something that won’t protect you in the event of an accident, so getting quotes from different insurers can help you decide which is best for you.

If you’re in the market for auto insurance, there are a few things to keep in mind. First, make sure you have the appropriate coverage. Second, be sure you’re getting a quote from the right company. And finally, be sure to compare rates before making a decision.

Compare car insurance rates

Each insurance company evaluates personal factors in its own way, and they keep their methods as hidden as possible — that’s why we can’t tell you which company emphasizes location or a clean driving history more than others. But to help you get going, we can show you average annual rates for minimum and full coverage car insurance.

To help narrow it down even further, we’ve shared average rates for drivers with various driving and credit histories in every state and for every major auto insurance company. Although it’s one of the largest insurers in the country, Liberty Mutual is not included in our rates analysis due to a lack of publicly available information.

Why you can trust NerdWallet: Our writers and editors follow strict editorial guidelines to ensure fairness and accuracy in our writing and data analyses. You can trust the prices we show you because our data analysts take rigorous measures to eliminate outliers and inaccuracies in pricing data, which include rates from every locale in the country where coverage is offered and data is available. When comparing rates for different coverage amounts, ages and backgrounds, we change only one variable at a time, so you can easily see how each factor affects pricing. Read our methodology.

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Compare car insurance rates by age

Your driving history isn’t the only factor carriers look at when calculating your car insurance rate. Your age can have a big effect on what you pay. For example, you likely know teen drivers have some of the highest car insurance rates on average, but they aren’t the only ones. Drivers 75 years and older tend to have higher car insurance rates than most age groups, after teens and 20-somethings.

To get more insight, we compiled average annual rates from nine of the 10 largest private passenger auto insurers in the country based on market share data from the National Association of Insurance Commissioners.

Compare minimum and full coverage rates for 20-year-olds

CompanyFull coverageMinimum coverage
Allstate$3,706$1,067
American Family$2,374$1,038
Farmers$3,550$1,421
Geico$2,304$715
Nationwide$2,976$1,369
Progressive$3,546$1,244
State Farm$2,683$979
Travelers$2,874$851
USAA$2,298$755
*USAA is only available to military, veterans and their families.

Drivers around the age of 20 typically get higher car insurance rates because as a group they get into more accidents on average than older drivers.

Rates vary from company to company. For example, full coverage from Geico for a 20-year-old costs $2,304 a year, on average, while the average price from Allstate is $3,706.

Below you can compare annual rates for 20-year-olds by company and by state. Rates are averaged across the country separately for full and minimum coverage.

NerdWallet’s auto insurance rates methodology

Average car insurance rates for a 20-year-old driver vary significantly from state to state. Some states, like Hawaii and North Carolina, have average rates under $1,530 a year for full coverage. In other states, such as Louisiana and Nevada, insurance costs more than $5,000 a year, on average, for the same driver.

See how your state stacks up below.

StateFull coverageMinimum coverage
Alabama$3,632$1,253
Alaska$2,650$836
Arizona$3,294$1,254
Arkansas$3,850$1,189
California$3,564$1,152
Colorado$3,969$1,137
Connecticut$3,638$1,785
Delaware$4,741$2,086
Florida$4,890$1,875
Georgia$3,714$1,639
Hawaii$1,143$370
Idaho$2,124$723
Illinois$3,172$1,147
Indiana$2,409$802
Iowa$2,124$528
Kansas$3,478$991
Kentucky$4,915$1,877
Louisiana$5,873$2,102
Maine$2,469$834
Maryland$4,490$2,045
Massachusetts$2,618$1,006
Michigan$4,616$1,766
Minnesota$2,884$1,052
Mississippi$3,636$1,250
Missouri$3,543$1,087
Montana$3,543$1,087
Nebraska$2,915$803
Nevada$5,052$2,223
New Hampshire$2,448$899
New Jersey$3,883$1,750
New Mexico$2,784$858
New York$3,958$1,747
North Carolina$1,533$505
North Dakota$2,344$677
Ohio$2,298$838
Oklahoma$3,632$1,018
Oregon$2,599$1,263
Pennsylvania$3,380$998
Rhode Island$4,820$1,971
South Carolina$3,178$1,271
South Dakota$2,567$592
Tennessee$2,954$933
Texas$3,805$1,444
Utah$3,371$1,385
Vermont$2,410$757
Virginia$2,884$1,079
Washington$2,783$1,068
Washington, D.C.$3,785$1,472
West Virginia$3,442$1,098
Wisconsin$2,602$776
Wyoming$2,937$647
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Compare minimum and full coverage rates for 35-year-olds

Drivers around the age of 35 see much cheaper rates than 20-somethings. Because this age group gets in fewer accidents than younger drivers, they typically can get lower rates. Aside from USAA, which is only available to military, veterans and their families, Geico provides the lowest price for full coverage for 35-year-olds at $1,233, on average.

Allstate comes in the highest at $1,994, on average.

Compare national average annual car insurance rates for 35-year-olds by company and by state below. Keep in mind that not all of these companies are available in every state.

CompanyFull coverageMinimum coverage
Allstate$1,994$648
American Family$1,454$593
Farmers$1,745$639
Geico$1,233$370
Nationwide$1,332$545
Progressive$1,739$625
State Farm$1,381$473
Travelers$1,426$455
USAA$1,238$396
*USAA is only available to military, veterans and their families.

While average car insurance rates fluctuate by state, 35-year-olds in several states, including Idaho, Maine, Ohio and Vermont can pay less than $1,100 a year, on average, for full coverage policies. Similar drivers in other states could pay less than $2,500 a year for full coverage, on average. Only two states have rates higher than $2,500 a year for 35-year-old drivers with full coverage car insurance: Florida and Louisiana.

See how your state stacks up below.

StateFull coverageMinimum coverage
Alabama$1,701$558
Alaska$1,292$396
Arizona$1,637$571
Arkansas$1,854$477
California$1,967$624
Colorado$1,899$489
Connecticut$1,659$814
Delaware$2,027$918
Florida$2,775$1,085
Georgia$1,698$709
Hawaii$1,128$365
Idaho$1,027$330
Illinois$1,383$478
Indiana$1,133$349
Iowa$1,131$237
Kansas$1,791$470
Kentucky$2,423$859
Louisiana$2,986$920
Maine$1,074$364
Maryland$1,987$908
Massachusetts$1,163$456
Michigan$2,084$876
Minnesota$1,463$535
Mississippi$1,819$549
Missouri$1,694$520
Montana$1,773$407
Nebraska$1,401$345
Nevada$2,489$965
New Hampshire$1,143$389
New Jersey$1,901$957
New Mexico$1,461$396
New York$2,008$934
North Carolina$1,255$402
North Dakota$1,233$355
Ohio$1,066$380
Oklahoma$1,906$458
Oregon$1,355$672
Pennsylvania$1,525$453
Rhode Island$2,065$833
South Carolina$1,561$588
South Dakota$1,466$299
Tennessee$1,404$406
Texas$1,725$599
Utah$1,596$640
Vermont$1,074$336
Virginia$1,354$506
Washington$1,293$461
Washington, D.C.$1,867$718
West Virginia$1,580$496
Wisconsin$1,206$354
Wyoming$1,484$336
Car insurance rates by age
NerdWallet has written car insurance guides for several age groups including teens and seniors. For more information, check out our articles below:Average car insurance rates by age and genderCheap car insurance for teensCheap car insurance for young driversCheap car insurance for college studentsCheap car insurance for seniors

Compare car insurance rates for drivers with a DUI

After a DUI, your auto insurance rate will go up — in some cases, 75% or more. But one thing you can control that can affect rates the most is your insurance company. A DUI can affect car insurance rates for 3 to 10 years, so it’s best to shop around for the best price after getting one.

Below you can compare company averages for 35-year-olds before and after a DUI. Keep in mind that not all of these companies are available in every state.

CompanyDrivers with a clean recordDrivers with a DUI
Allstate$1,994$2,964
American Family$1,454$1,754
Farmers$1,745$2,531
Geico$1,233$2,935
Nationwide$1,332$2,848
Progressive$1,739$2,213
State Farm$1,381$2,455
Travelers$1,426$2,376
USAA$1,238$2,049
*USAA is only available to military, veterans and their families.

While your rate will increase after a DUI, how much it does depends in part on which state you live in. In Maine, the average rate for drivers with a recent DUI is 34% higher, on average, than for similar drivers with no incidents — $369 more a year. However, a DUI in Hawaii almost tripled average rates in our analysis, adding more than $3,000 to the annual cost of full coverage car insurance for 35-year-old drivers.

See below for how your state measures up.

StateDrivers with a clean recordDrivers with a DUI
Alabama$1,701$2,709
Alaska$1,292$2,003
Arizona$1,637$2,871
Arkansas$1,854$2,914
California$1,967$4,789
Colorado$1,899$2,989
Connecticut$1,659$3,696
Delaware$2,027$3,746
Florida$2,775$3,794
Georgia$1,698$3,145
Hawaii$1,128$4,357
Idaho$1,027$1,615
Illinois$1,383$2,661
Indiana$1,133$2,299
Iowa$1,131$1,914
Kansas$1,791$3,075
Kentucky$2,423$4,801
Louisiana$2,986$5,331
Maine$1,074$1,443
Maryland$1,987$3,775
Massachusetts$1,163$2,042
Michigan$2,084$5,543
Minnesota$1,463$2,956
Mississippi$1,819$2,869
Missouri$1,694$2,633
Montana$1,773$2,770
Nebraska$1,401$2,592
Nevada$2,489$3,855
New Hampshire$1,143$2,301
New Jersey$1,901$3,834
New Mexico$1,461$2,506
New York$2,008$3,405
North Carolina$1,255$2,627
North Dakota$1,233$2,182
Ohio$1,066$2,194
Oklahoma$1,906$2,670
Oregon$1,355$2,276
Pennsylvania$1,525$3,445
Rhode Island$2,065$3,910
South Carolina$1,561$2,576
South Dakota$1,466$2,297
Tennessee$1,404$3,115
Texas$1,725$3,019
Utah$1,596$2,384
Vermont$1,074$1,818
Virginia$1,354$2,698
Washington$1,293$2,245
Washington, D.C.$1,867$2,851
West Virginia$1,580$2,990
Wisconsin$1,206$2,238
Wyoming$1,484$2,791

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Compare car insurance rates for drivers with poor credit

Your credit history is one of the largest factors affecting your car insurance quote in all states except California, Hawaii, Massachusetts and Michigan. Carriers use credit history to determine how likely you are to file a claim.

While rates can double in some cases, it’s important to note that every company considers credit very differently, and even among insurers this factor fluctuates by state. Drivers with poor credit insured by Nationwide could pay an average of 33% more — $439 more a year in our analysis — compared to similar drivers with good credit. Meanwhile, State Farm’s average price for full coverage more than doubles for drivers with poor credit compared to those with good credit.

Below you can compare average full coverage rates for 35-year-old drivers with poor credit by company.

CompanyDrivers with good creditDrivers with poor credit
Allstate$1,994$3,004
American Family$1,454$2,323
Farmers$1,745$2,725
Geico$1,233$1,758
Nationwide$1,332$1,772
Progressive$1,739$3,242
State Farm$1,381$3,381
Travelers$1,426$2,239
USAA$1,238$2,157
*USAA is only available to military, veterans and their families.

Certain states prohibit the use of credit in setting rates, and how insurers treat credit differs from state to state. For example, state regulators in one state may allow more wiggle room for credit-based pricing than others, leading to variations by state.

Our analysis found that:

  • In North Carolina, a driver with poor credit could pay about 36% more than a good credit driver.
  • Having poor credit in Missouri, Delaware, New Jersey, Arizona, Arkansas and Idaho  raises the average insurance rate about 70% compared to drivers with good credit.
  • Average rates for poor credit drivers in Wisconsin were 158% more than  average rates for good credit drivers.

Below you can compare average full coverage rates for 35-year-old drivers with poor credit by state.

StateDrivers with good creditDrivers with poor credit
Alabama$1,701$3,141
Alaska$1,292$1,921
Arizona$1,637$2,773
Arkansas$1,854$3,163
California$1,967$1,967
Colorado$1,899$3,172
Connecticut$1,659$2,745
Delaware$2,027$3,426
Florida$2,775$4,514
Georgia$1,698$2,917
Hawaii$1,128$1,128
Idaho$1,027$1,753
Illinois$1,383$2,250
Indiana$1,133$1,878
Iowa$1,131$2,122
Kansas$1,791$3,000
Kentucky$2,423$4,312
Louisiana$2,986$5,806
Maine$1,074$1,910
Maryland$1,987$3,188
Massachusetts$1,163$1,163
Michigan$2,084$2,084
Minnesota$1,463$2,824
Mississippi$1,819$3,289
Missouri$1,694$2,855
Montana$1,773$2,851
Nebraska$1,401$2,848
Nevada$2,489$3,559
New Hampshire$1,143$1,764
New Jersey$1,901$3,218
New Mexico$1,461$2,508
New York$2,008$4,356
North Carolina$1,255$1,701
North Dakota$1,233$2,230
Ohio$1,066$1,998
Oklahoma$1,906$3,111
Oregon$1,355$2,177
Pennsylvania$1,525$2,693
Rhode Island$2,065$3,614
South Carolina$1,561$3,114
South Dakota$1,466$3,059
Tennessee$1,404$2,746
Texas$1,725$2,766
Utah$1,596$2,885
Vermont$1,074$1,805
Virginia$1,354$2,521
Washington$1,293$1,547
Washington, D.C.$1,867$3,082
West Virginia$1,580$2,774
Wisconsin$1,206$3,114
Wyoming$1,484$2,428

*Credit-based pricing is banned in California, Hawaii, Massachusetts and Michigan. In Washington, the legal code around this issue is being debated.

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Compare minimum and full coverage rates for drivers with an accident

Among the largest companies, your history of accidents will affect your auto insurance quote in very different ways. Check out how each insurer’s average rates for drivers with an accident stack up before you start comparison shopping for auto insurance. If you have an on-record accident, make sure to compare car insurance quotes one, three and five years after the date of the incident to continue to get the best and cheapest rate possible.

The cheapest car insurance company for a driver with a clean history might not be the cheapest company after an at-fault accident occurs. For example, while Geico typically has the best price for drivers with a clean driving history, our data shows that American Family has the cheapest average rates for drivers with a recent at-fault accident — with rates after an accident only 7% higher, on average, than for our base profile.

Below you can compare average full coverage rates for 35-year-old drivers with a recent at-fault accident by company.

CompanyDrivers with a clean recordDrivers with a recent at-fault accident
Allstate$1,994$2,982
American Family$1,454$1,559
Farmers$1,745$2,498
Geico$1,233$2,004
Nationwide$1,332$2,105
Progressive$1,739$2,765
State Farm$1,381$1,794
Travelers$1,426$2,145
USAA$1,238$1,779
*USAA is only available to military, veterans and their families.

State regulators set limits on how much a company can increase your rates after a crash. Our hypothetical accident resulted in $10,000 worth of damage. That caused average annual rates to spike by $2,300 or more in some states, while others jumped by far less. For example, rates in Hawaii for full coverage policies and drivers with a recent at-fault accident were $403 per year more, on average, than for drivers with no accidents. Meanwhile, rates in California averaged over $1,372 more after causing an accident than for incident-free drivers.

One thing’s for sure: Your rates will likely increase after an at-fault accident, so be sure to compare car insurance rates if you have one on record. Below you can compare average full coverage rates for 35-year-old drivers with a recent at-fault accident by state.

StateDrivers with a clean recordDrivers with a recent at-fault accident
Alabama$1,701$2,460
Alaska$1,292$1,989
Arizona$1,637$2,493
Arkansas$1,854$2,738
California$1,967$3,339
Colorado$1,899$2,740
Connecticut$1,659$2,626
Delaware$2,027$2,802
Florida$2,775$3,990
Georgia$1,698$2,627
Hawaii$1,128$1,531
Idaho$1,027$1,452
Illinois$1,383$2,045
Indiana$1,133$1,655
Iowa$1,131$1,619
Kansas$1,791$2,618
Kentucky$2,423$3,401
Louisiana$2,986$4,292
Maine$1,074$1,559
Maryland$1,987$2,943
Massachusetts$1,163$1,959
Michigan$2,084$3,213
Minnesota$1,463$2,111
Mississippi$1,819$2,795
Missouri$1,694$2,347
Montana$1,773$2,474
Nebraska$1,401$2,106
Nevada$2,489$3,550
New Hampshire$1,143$1,715
New Jersey$1,901$3,008
New Mexico$1,461$2,064
New York$2,008$2,759
North Carolina$1,255$2,172
North Dakota$1,233$1,776
Ohio$1,066$1,579
Oklahoma$1,906$2,678
Oregon$1,355$2,070
Pennsylvania$1,525$2,352
Rhode Island$2,065$2,919
South Carolina$1,561$2,246
South Dakota$1,466$1,934
Tennessee$1,404$2,144
Texas$1,725$2,944
Utah$1,596$2,383
Vermont$1,074$1,486
Virginia$1,354$2,045
Washington$1,293$1,821
Washington, D.C.$1,867$2,692
West Virginia$1,580$2,294
Wisconsin$1,206$1,686
Wyoming$1,484$2,045

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How to compare car insurance quotes

First of all, every car insurance quote you receive should be free — whether it’s from Geico, Farmers or a small insurer you’ve never heard of. Some auto insurers require a down payment to start your policy, but whether you’re buying car insurance online or with an agent, a simple quote estimate should always be free of charge. Here’s how to start comparing quotes.

1. Gather your information

To quickly and easily compare car insurance online, have the following on hand:

Personal information, which includes the address, date of birth, occupation, driver’s license and marital status of everyone you want included on the policy.

Vehicle information: Mileage, date of purchase and vehicle identification number (VIN) for each car. Or, if you haven’t purchased the car yet, have mileage, make, model and year handy.

Driving history: Include all claims, violations and tickets you’ve had over the past five years, plus any completed driving courses.

Current or previous insurer’s name for anyone on the policy or in your household. Some insurers won’t cover you without some coverage history, and if you want to exclude anyone living with you from the policy, you’ll need to prove they’re covered elsewhere.

2. Choose the right liability car insurance coverage levels

Auto insurance is financial protection, and not just for the investment you made when you bought your car. After a really serious accident, bills for damage and injuries can easily reach into hundreds of thousands of dollars. If you happen to cause such a wreck, the victims could sue you. In the worst case scenario, assets such as your savings and home could be seized.

Liability auto insurance protects you from that worst case scenario by providing a cushion between your assets and the amount you’re on the hook for. For this reason, choosing the right auto liability limits is the most important part of your car insurance quote comparison. NerdWallet typically recommends having at least as much liability coverage as your net worth.

But liability coverage levels come in threes — you’ll probably see something like 50/100/50 up to 250/500/250 in typical policies. You can think of these limits like: individual injuries / total injuries / property damage. Insurers are a little more technical, calling them bodily injury liability, total bodily injury liability and physical damage liability.

Liability insurance comes in thousand-dollar increments, so when you choose an auto insurance policy with 100/300/100 limits, you’ll be choosing:

  • $100,000 for bodily injuries per person you injure in a crash.
  • $300,000 total for all bodily injuries you cause in a crash.
  • $100,000 for damage to any property you cause in a crash, including cars, buildings and objects like mailboxes and lampposts.

When choosing liability car insurance coverage, try to make sure the highest, middle number is equal to or greater than the value of your net worth.

Understand car insurance requirements in your state

In certain states, you may be required to have a car insurance policy that includes personal injury protection (PIP), medical payments coverage (medpay) or uninsured/underinsured motorist coverage — or two of the three. If you have medpay you don’t need PIP, and vice versa.

Any car insurance comparison tool you look at should have your state’s minimum car insurance requirements pre-loaded into its options. States requiring PIP or medpay are generally referred to as “no-fault” states, meaning that when injuries occur, each driver in a crash makes a claim with their own insurance company to pay for them. Beyond the PIP or medpay limit, the at-fault driver’s liability insurance kicks in to cover the rest.

3. Decide if you need full coverage car insurance

Liability coverage doesn’t pay for your car or injuries, or for any injuries your passengers sustain if you cause a wreck. This is why you may want “full coverage” car insurance, especially if your car isn’t paid off yet. Note that this isn’t actually a type of coverage, but typically refers to policies that include liability coverage, plus comprehensive and collision coverage.

In other words, you can’t just click a “full coverage” button when comparing insurance quotes online or buy something called a full coverage auto insurance policy. You’ll need to add collision and comprehensive coverage in the amounts you want.

Collision insurance pays for

  1. Damage to your car in an accident you cause.
  2. Damage to your car if you hit an object such as a fence or pole.
  3. Damage to your car if someone else hits you. Another option in this case is to make a claim against the other driver’s liability insurance.

Comprehensive insurance pays for

The value of your car if it’s stolen and not recovered, and damage from:

  1. Weather such as tornadoes or hail.
  2. Floods.
  3. Fire.
  4. Falling objects.
  5. Explosions.
  6. Crashes with an animal, such as striking a deer.
  7. Riots and civil disturbances.

Auto insurance quote comparison tip: Whatever coverage you choose, make sure you compare the quotes for the same type and amount of coverage so you can find the best price.

4. Collect and compare car insurance quotes

You’ll want to get car insurance quotes from at least two or three companies available in your area to be sure you’re getting a good deal. Consider comparing quotes from regional companies as well as the big companies such as Allstate, Progressive and State Farm. While shopping, make certain that each insurance quote includes:

  1. The same levels of liability and uninsured/underinsured motorist protection.
  2. The same deductibles for collision and comprehensive coverage, if you’re buying them.
  3. The same drivers and cars.
  4. All discounts you’re eligible for (most insurers list the discounts they offer on their websites).

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