How to Check Insurance Rates for a Car

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In a nutshell...
  • State minimum car insurance requirements may not be sufficient for your needs
  • There are many factors that affect car insurance rates
  • Shopping for car insurance rates online can help you to save time and effort

Car insurance is a necessity for all drivers. It can protect you against financial losses related to liability issues, car accidents, personal injury, weather-related vehicle damage and more. Things can and do happen when you are driving, and some things can even happen when you are not in the car.

For example, your vehicle can get stolen right out of your driveway at night, or high winds can cause a tree branch to fall on top of your vehicle.

While car insurance is beneficial and even required by law in most cases, you do not want to pay more than necessary for your coverage. With this in mind, you may be wondering what you need to do to compare insurance rates for your car.

With a great understanding of car insurance rates, you can more easily and knowledgeably request and analyze insurance quotes.

Learn more about auto insurance below and make sure to use our free insurance comparison tool above today!

Understanding the Coverage Options

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When you contact a car insurance company to request a quote, one of the first things a representative will ask you relates to the coverage you desire.

There are different types of coverage, and you can choose a coverage limit for each type you select. As a starting point, it is wise to learn more about your state’s minimum car insurance requirements.

Most states require drivers to have a minimum level of liability car insurance.

 Liability car insurance will pay others for damages you cause to them while you are driving your car. This coverage will not pay for any of your own personal expenses.

Some auto lenders require their account holders to purchase a collision or comprehensive insurance policy for the life of the car loan.

A collision policy will pay for repairs to your own vehicle after a car accident up to a specified limit. Comprehensive insurance also includes losses related to bad weather, fire, theft and more.

You can also choose optional coverages for rental car reimbursement, towing, personal injury, personal property and more.

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Learning the Factors That Affect Car Insurance Rates

The car insurance coverage limits and types that you select are only a few of the factors that affect auto insurance rates.

Two other major components also must be considered, and these are your own driving history and attributes and vehicle-related factors.

For example, the number of accidents and traffic citations you have had in the last few years can affect your insurance rates. Your gender and age, where you live and even how many miles you normally travel also may be reviewed.

In addition, your vehicle’s engine type, statistics regarding theft for that make and model, replacement and repair costs and other factors also must be taken into account. As you can see, each person will have a unique car insurance quote.

Qualifying for Auto Insurance Discounts

Your car insurance quotes will also be affected by your qualification for different discounts available. Various insurers offer different types of discounts, and their qualifications for these discounts can vary as well.

For example, some insurance companies have a good student discount, and you may need to be a high school student with an A average to qualify.

Another company may extend this discount to full-time college students under the age of 25, and other insurance companies may not offer this type of discount at all.

Other discounts that you may find include those for low mileage drivers, safe drivers, bundled policies, safety equipment in the car, taking a driver’s education course.

Because qualifications for these money-saving discounts vary by provider, it is wise to shop around for quotes from several different auto insurance providers.

Comparing Auto Insurance Quotes

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Now that you are more aware of the factors that affect auto insurance rates, you are ready to begin requesting quotes from different providers.

Some providers specialize in providing low rates to excellent drivers, and others specialize in coverage for high-risk drivers, sports cars and more.

Take time to research different providers that may be more well-suited for your unique factors.

Then, you can request quotes directly from each company on your list, or you can ask an auto insurance broker to shop for rates for you. Each company will request information about you, your driving history, your car and more.

It can take a significant amount of time to contact even a couple of providers, but you can save a small fortune in your auto insurance premium by doing so.

You may be able to request auto quotes through an online application or by calling an insurance representative directly during normal business hours.

When you request rates, it is best to request the same coverage type and limits from each provider. This makes it easier for you to identify the provider with the lowest rates available.

Selecting the Best Quote

Your next task is to analyze the quotes to find the best option available. Your impulse may be to choose the absolute lowest rate you can find. While you understandably want to save money on car insurance, there are a few additional steps you should take before you purchase coverage.

For example, some car insurance companies have a reputation for having a difficult or slow claims process.

If you get in an accident and file a claim, you understandably want an easy, fast claims experience. Therefore, you may eliminate companies with a bad reputation from consideration.

You can also check their A.M. Best rating online. These steps will help you to choose the best rate quote from a truly reputable insurance provider.

Checking for car insurance rates can take time and effort. The more providers you request quotes from, the more likely you are to find the absolute best deal possible on car insurance.

In addition, factors related to your age, driving history and more will also change. Therefore, the provider that has the lowest rates for you today may not have the best rates for you a year from now.

Don’t miss out on our free insurance comparison tool below! Just enter your zip code and start comparing rates now.

FREE Car Insurance Comparison

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