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Auto Insurance Buyer's Guide for All States

How to Shop

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Step 1. Understand What Factors Affect Your Rates

Become an informed insurance consumer. Every insurance company takes a slightly different approach to pricing auto insurance, and that’s why rates vary so much from one company to the next. The basic facts -- who you are, where you live and what you drive -- are used by all insurance companies. Prior claims, traffic tickets, annual mileage, zip code, and even education and occupation will affect your rate. In some states, insurers may use an insurance credit score for rating or underwriting. Lastly, your coverage, deductibles, and the safety features of your cars will contribute to your final rate.

Drivers With No Accidents

VS.

Drivers With 2 or More Accidents

Average rate increase = $1,000

Step 2. Decide How Much to Buy

Choose your coverage with confidence. If you’re already insured, start by comparing rates for the same coverage you have today. If you recently bought a home, but haven’t increased your policy limits, it’s time to think about upping your limits to protect your investment. If you're a renter or simply can’t afford as much coverage as you’d like, minimum limits of liability may be enough for now.

Don’t let your coverage lapse, because insurance is mandatory in almost every state and a lapse in coverage may lead to higher rates in the future.

Top 10 Most Expensive States for Auto Insurance

  1. New Jersey
  2. Louisiana
  3. New York
  4. Florida
  5. Massachusetts
  6. Rhode Island
  7. Delaware
  8. Nevada
  9. Connecticut
  10. Alaska
Source: Insurance Information Institute.

Step 3. Shop Smart and Save

Get fast, free comparisons to make sure you’re not overpaying. Many insurance companies change their rates annually, so it’s a good idea to compare your own rates each year, too. We provide a quick way to check for new rates from well-known auto insurers, each with a wide range of discounts that could save you hundreds – or even thousands on your insurance bill. In fact, our customers report saving  over $500 a year on average when they switch companies.

Step 4. Learn How Auto Insurance Really Works

We help you understand the required coverages in your state. And, the optional coverages, too. We calculate your comparison quotes based on the personal information you provide either online or by phone. To get an apples-to-apples comparison, not just an estimate, we ask for detailed facts. The more accurate your info, the more accurate your quote.

It’s fast and it’s free. Once you answer these questions, we give you comparison auto insurance quotes from the most competitive companies we represent.  You save time – and find out quickly whether you can save money. Ready to see how much you can save today?

Compare Rates From Multiple Auto Insurance Companies

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