Jeffrey Johnson is a legal writer with a focus on personal injury. He has worked on personal injury and sovereign immunity litigation in addition to experience in family, estate, and criminal law. He earned a J.D. from the University of Baltimore and has worked in legal offices and non-profits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman Univer...

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Laura Walker graduated college with a BS in Criminal Justice with a minor in Political Science. She married her husband and began working in the family insurance business in 2005. She became a licensed agent and wrote P&C business focusing on personal lines insurance. Laura serviced existing business and wrote new business. She now uses her insurance background to help educate drivers about...

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Reviewed by Laura Walker
Licensed Agent for 10 Years

UPDATED: Jul 10, 2021

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It’s all about you. We want to help you make the right coverage choices.

Advertiser Disclosure: We strive to help you make confident auto insurance decisions. Comparison shopping should be easy. We are not affiliated with any one auto insurance provider and cannot guarantee quotes from any single provider. Our partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.

Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance-related. We update our site regularly, and all content is reviewed by auto insurance experts.

You can find the best auto insurance quote by going online and completing some research on the top rated auto insurance companies. J.D.Power ranks automobile insurance companies using four categories: Policy offerings, pricing, billing and payment, and contacting the insurer.

They won’t give you the quote, but you will know which companies are safe to work with. Then you can get quotes from any quote site.

If you want to find the best auto insurance quote and policy for your car, place your ZIP code in the FREE tool right away!

Another way to narrow your selection is to go to AM Best and check the financial stability of the insurance companies you research. You need to make sure your insurance provider manages their funds responsibly; this will ensure that your rates will remain stable over the years.

Finding great auto insurance means your choice is based on your personal needs.

You will need to ask yourself a few questions. Once you have the answers to these questions, you can proceed.

  • Does my location play a significant role in my auto insurance rates?
  • What does my driving history look like? Am I a high risk?
  • How much should my deductible cost?
  • Does my state require specific levels of insurance?

In addition to the Q & A session, you should also decide if you want to utilize the services of a local agent or go with one of the larger, national insurance companies. Again, this will be a personal preference.

For example, State Farm is a national company, but they have small, local offices where you can work directly with an agent in person; while both Progressive auto insurance company or Geico only provide assistance via the Internet or telephone.

The Basics of Auto Insurance

Auto insurance is a requirement in the United States; while the levels may differ depending upon your state laws, most expect you to carry liability insurance in the event of an accident or damage to property. This means the car insurance provider you select will begin building your policy with the minimum level of liability.

While experts recommend 100/300/50 coverage, in most states the minimum required is much lower.

This liability coverage is explained as a maximum payout of $100,000 per individual as protection against bodily injury, $300,000 to cover the total bodily injury per claim and $50,000 to protect against personal property.

Many drivers want to increase the amount allowed by the state due to the increasing costs of repairs and hospital bills.

Some states also require PIP or Personal Injury Protection, along with uninsured/underinsured coverage. This type of coverage keeps you safe if you are involved in a collision with a motorist who either has very little or no insurance at all.

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High and Low Deductibles

The deductible is the amount of money you must pay out-of-pocket before your insurance company will agree to pay the costs of repairs or other expenses. An excellent driver may choose a high deductible of $1000, which will keep their premiums low.

New, inexperienced drivers may decide that a low deductible of $250 to $500 is wise because the odds of being involved in an accident are higher.

In fact, some insurance agents may even recommend a lower deductible and a higher amount of liability coverage, at least for the first few years.

There are pros and cons when it comes to the deductible amounts. The higher your car insurance deductible, the lower your annual premium, but if you are ever in need of repairs due to a collision, your out-of-pocket expenses can soar.

Lower deductibles are easier to manage but, of course, this increases your premiums. It may seem like a catch–22 to some, however there are other ways to ensure balance when making your selections.

This includes obeying traffic laws to decrease the chances of receiving tickets, keeping your mileage low, and relying on antitheft devices and safety features.

Other Tips for the Best Auto Quotes

  • Comparison-shopping is always a good idea but there are other ways to make sure your auto insurance provider gives you the best quote.
  • Discounts – Today, car insurance providers offer all type of discounts, including multi-car and bundling. If you sign up for training courses that teach you how to drive safely and increase reaction times behind the wheel, you may also receive as much as 10% off each year.
  • Maintain a good credit score – Car insurance providers are watching the credit history of each of their customers very closely. One way you can virtually guarantee a fair quote is to monitor your credit score and make sure it remains accurate. If you notice any errors, correct them immediately.
  • Older cars require less coverage – Did you know that if your vehicle is over 10 years old you may not need to carry collision and comprehensive? If your vehicle is totaled in an accident, you will not receive much more than $2000 to $4000. It may not be wise to cover a car whose cash value is so low.

Take a moment and enter your ZIP code into the FREE tool to receive great car insurance quotes today!

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