In a nutshell...

  • Car insurance coverage varies by provider
  • Women drivers pay less while young drivers tend to pay a lot more
  • The cost of car insurance for most typical drivers averages around $100 to $200 a month

Car insurance companies are everywhere. Switching to one company will save you $600 but switching to another will save you $500.

Some car insurance companies have better customer service while others are located on every street corner so how do you choose a car insurance company?

No two car insurance companies are the same, and the only way to find the best auto insurance company for you is to compare car insurance companies.

Asking friends and relatives about which insurance provider to use certainly has its advantages but do you know whether or not any of them ever filed a claim?

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What type of car insurance company do you need?

This is the first question you should always ask. While most drivers require a typical provider, some drivers have very specialized needs.

If you fall into any of the following categories, then you should probably focus on car insurance companies who offer specialized coverage.

These categories include:

  • Bad Credit
  • High-Risk Driving Record
  • Collector Cars
  • Exotic Luxury Cars

One common mistake, however, is assuming that the preferred risk companies will not insure you because of a poor credit score.

While your credit score plays a big part in your overall risk profile never assume the preferred providers will deny coverage. Always apply and see if you do qualify – you may be shocked.

Drivers who need specialized insurance such as collector car insurance should research the many providers who offer custom policies for collector cars.

High-risk drivers on the other hand with SR-22 form filing requirements and DUI convictions need to focus on car insurance companies who offer the SR-22 form filing service or specialize in high-risk insurance.

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How much is car insurance per month?

The cost of car insurance for most typical drivers averages around $100 to $200 a month, but the difference in rates between providers can be substantial.

Every auto insurance company has a different formula for risk and while you may have preferred status at one company another may even deny you coverage.

It’s hard to define how much car insurance is per month for every different profile, but the range is often between $100-$200 per month for most good drivers.

Are all car insurance policies the same?

While most insurers offer similar coverage for liability, comprehensive and collision insurance, there is a wide range of other policy options.

The strength of your car insurance coverage lies with both the provider and the details of your policy. Choosing an auto insurance company is one thing but you always have to understand what your policy covers.

Insurance company A may offer you $50 in lower premiums per month, but company B may provide you with an additional $100,000 in coverage.

Comparing companies based solely on rates will hardly ever get you the best auto insurance coverage, but if you take the time to examine all your options equally then, there is no better way to find the best auto insurance rates online.

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