When you’re in the market for auto insurance quotes, you’ll likely receive a plethora of opinions on which company to choose and what coverage to opt for. However, one of the most effective ways to save money is by comparing quotes from multiple insurers. Fortunately, this process doesn’t have to be time-consuming. With just a small time investment, you can discover the best auto insurance rates and find a policy that suits your needs.
Two Ways to Obtain Car Insurance Quotes for Free
If you’re wondering how to get car insurance quotes without paying a dime, here are two simple methods:
Online: Various auto insurance companies offer free quotes on their websites. To save time, consider using a website that provides quotes from multiple insurers. This way, you can easily compare different options.
By Phone or In Person: Another option is to speak with a local insurance agent who can help you find affordable auto insurance plans and provide you with a quote. These agents can be either “captive,” representing only one insurance company, or “independent,” capable of selling policies from multiple insurers.
Both approaches have their advantages, and there’s no rule against reaching out to multiple insurance agents. Getting quotes online is a great starting point, but speaking with an agent can help you assess your coverage requirements and customize a policy that best fits your needs.
Essential Information Needed to Generate Auto Insurance Quotes
To expedite the process, it’s useful to have the following information on hand:
- Driver’s License: If there are other drivers in your household, you’ll need their driver’s license information as well.
- Vehicle Identification Number (VIN): You can typically find the VIN on the driver’s side dash or on a decal on the driver’s side door or door jamb. If you haven’t purchased the vehicle yet but know the make and model, you can usually obtain a quote with that information.
- Mileage: If you own the car, it’s helpful to have the odometer reading available.
- Desired Coverage: Determine the types of coverage you want to purchase and the amount of coverage you need. If you’re unsure, consult with an insurance agent who can answer your questions.
The auto insurance company will gather additional information about you, such as your driving record, past insurance claims, and, in most states, your credit history.
Finding the Cheapest Car Insurance
Our analysis of cheap auto insurance across the United States revealed that, on average, the cheapest auto insurance quotes can be found in the country. However, it’s important to note that USAA auto insurance is exclusively available to active military members, veterans, and their families.
If you don’t qualify for USAA coverage, our analysis indicates that Erie, GEICO, and State Farm offer competitive rates based on national averages. Nevertheless, it’s still wise to obtain quotes from multiple companies since the cheapest car insurance providers can vary depending on factors such as your state of residence and driving history.
Comparing Car Insurance Rates in 2022
When comparing auto insurance quotes, the primary goal is to gather options and identify the best insurance companies. Consider the following factors when comparing rates:
- By company
- By state
- By age and gender
- By credit score
- For drivers with DUI
- For drivers involved in at-fault accidents
- For drivers with speeding tickets
- For older individuals
- To add a teen driver
Comparing Auto Insurance Rates by State
Auto insurance rates can vary significantly by state. Your state of residence plays a crucial role in determining the rates you’ll be offered. Make sure to compare rates specific to your state to get a better idea of the options available to you.
Comparing Car Insurance Rates by Age and Gender in 2022
Your age and gender have an impact on your auto insurance rates. Young, inexperienced drivers tend to face higher premiums, which often start to decline after the age of 25. Drivers with a clean driving record usually enjoy the best rates in their 50s and 60s. However, rates may begin to rise again around the age of 65.
It’s worth noting that many drivers disapprove of car insurance companies using gender as a factor when calculating rates. According to a recent survey conducted by Forbes, a majority of drivers (62%) believe that gender should not affect car insurance costs. Interestingly, 72% of women and 41% of men expressed their opposition to this practice.
In your opinion, should car insurance companies consider the driver’s gender when determining prices?
Comparing Auto Insurance Rates by Credit Score
Insurance-based credit scores often play a significant role in determining auto insurance quotes. Drivers with poor credit typically face higher rates compared to those with good credit. That’s why it’s crucial to shop around and compare quotes from different insurers.
Insurers argue that credit-based insurance scores correlate with the likelihood of filing insurance claims. Consequently, many insurers heavily weigh these scores when calculating rates. While the use of credit in this manner is debated, a recent survey revealed that 42% of auto insurance customers believe credit should be a factor in determining rates. Notably, this percentage has nearly doubled from the previous year.
It’s important to note that California, Hawaii, Massachusetts, and Michigan prohibit the use of insurance-based credit scores for auto insurance.
Compare Car Insurance for Drivers with DUI
Driving under the influence (DUI) is a costly mistake. Our research indicates that the national average increase in auto insurance rates for drivers with a DUI is 74%. Here’s a breakdown of the rate increases among major insurance companies following a DUI.
[Related: The Best Cheap Car Insurance After a DUI]
Compare Auto Insurance Rates for Drivers in At-Fault Accidents
If you cause a car accident, it’s likely that your auto insurance rates will increase. Here’s a look at the rate increases for drivers involved in accidents resulting in injuries compared to good drivers.
By following these guidelines and diligently comparing car insurance quotes, you’ll be well-equipped to make an informed decision and find the best coverage for your needs. Remember, taking the time to research and obtain multiple quotes can lead to significant savings in the long run.