Are Cheap Auto Insurance Companies Legit?
When you’re using Compare.com to find out who has the cheapest car insurance, you may get a quote from an...
Read MoreLearn how car insurance companies determine your premium to find who has the cheapest car insurance rates.
Where you live may affect your car insurance price. If you live in a neighborhood that the insurance company thinks is safe or one where there are fewer accidents, you will have cheaper auto insurance.
Teen drivers are typically more expensive to insure. Being new to the road means teens aged 16-19 are more likely than any other age group to be involved in a fatal accident. But as you become more experienced, more affordable auto insurance will be easier to find.
You may also find certain vehicle makes and models to be more expensive to insure for reasons like the cost of repairs or its NHTSA safety rating. Before you buy a car, you should compare auto insurance rates to see how the car will affect your premium.
What you do for a living also might affect your car insurance price. If your job causes you to spend a lot of time driving or driving late at night, that might be a factor in your premium.
We work with the most reliable auto insurance companies in America to get you the lowest insurance prices available.
View All CompaniesSome insurance companies use a tactic called price optimization, which means they nudge up current customer’s price a little each year. If you haven’t compared car insurance quotes recently, this might be happening to you and you haven’t even noticed!
Plus, there are hundreds of car insurance companies. What are the chances that the one company you selected is the cheapest car insurance for you? Unless you are comparing prices, you won’t know how much you could be saving.
In one comparison, a woman in Texas got prices that ranged from $77 a month to $300 by using Compare.com. That’s over $2,600 in savings every year from taking just a few minutes to compare companies and find the best cheap car insurance rates.
While there are some factors you can’t control when it comes to your insurance premium, there are a few ways you can help yourself find cheap car insurance coverage.
Your deductible is how much you pay before your auto insurance company picks up the tab. If you can afford a larger out-of-pocket payment when you file a claim, consider raising your deductible. A higher deductible typically makes your car insurance cheaper.
From good student discounts to association discounts, there are plenty of discounts at your disposal. However, not every insurance company has the same discounts available. The best way to know if you are getting all the discounts you should is to ask!
Insurance companies see your credit score as a measure of your risk. If you have a higher credit score, you are less likely to file a claim. So, if you want cheaper car insurance, work on getting your credit score higher by paying your bills on time.
There are plenty of rating variables that you can’t control, like age and gender. However, you can control your driving. If you have tickets and driving infractions, they will affect your auto insurance price. To get cheap car insurance, practice safe driving habits, like driving the speed limit and avoiding distracted driving.
Many insurance companies offer a discount for enrolling in their telematics program, which means they’ll monitor your driving through either a phone app or small, installable tool. Some companies will offer a discount just for allowing them to track your driving, while others will monitor while you drive and offer price reductions based on your skills.
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