Best Priced Car Insurance

Companies like USAA, State Farm, and Geico have the best priced car insurance at average rates of $230.41/mo. The best priced car insurance rates can change based on individual factors.

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A former insurance producer, Laura understands that education is key when it comes to buying insurance. She has happily dedicated many hours to helping her clients understand how the insurance marketplace works so they can find the best car, home, and life insurance products for their needs.

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Joel Ohman is the CEO of a private equity backed digital media company. He is a CERTIFIED FINANCIAL PLANNER™, author, angel investor, and serial entrepreneur who loves creating new things, whether books or businesses. He has also previously served as the founder and resident CFP® of a national insurance agency, Real Time Health Quotes. He has an MBA from the University of South Florida. Jo...

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Reviewed by Joel Ohman
Founder & CFP®

UPDATED: Jan 22, 2021

Advertiser Disclosure

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

Advertiser Disclosure: We strive to help you make confident car insurance decisions. Comparison shopping should be easy. We are not affiliated with any one car insurance company and cannot guarantee quotes from any single company.

Our partnerships don’t influence our content. Our opinions are our own. To compare quotes from top car companies please enter your ZIP code above 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.

Here's what you need to know...

  • The cost of insurance heavily relies on how your insurance company rates you as a risk: high or low
  • An insurance company is rated according to several factors such as financial stability and customer satisfaction
  • You can improve your insurance premiums by taking driving classes and installing safety features into your vehicle
  • Online quote tools can be valuable in your search for finding the perfect insurance companies for your needs

When it comes to choosing the best-priced car insurance, consumers must take the time to research. Compare your policy once a year, and review your current needs at that time.

Is the best price going to offer you the best policy?

Enter your ZIP code to get car insurance quotes today!

How Insurance Companies Determine Your Rate

The insurance company uses several factors to determine what to charge you per month in premiums. Some of the critical factors are:

  • ZIP Code
  • Age
  • Credit History
  • Driving History
  • Car Make and Model
  • Use of Vehicle

Where you will be driving the vehicle is one of the major determinants of risk. Your annual mileage and frequency of use will also make a difference.

The age of the driver is an indication of the amount of driving experience which also affects premiums.

Credit and driving history weighs most heavily while car features warrant small adjustments.

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How Insurance Companies are Rated

Insurance companies have their own ratings.

Their financial stability could directly affect the outcome of a claim; therefore, companies like Standard & Poor’s, A.M. Best, and J.D. Powers and Associates rate company standings in the marketplace. Companies are given an A through F grade with the best grades being A’s and B’s.

With the large number of internet companies in existence today, the best-priced car insurance company may not be the best company for you.

On the other hand, there may be a local internet based company with just enough coverage for your insurance needs. The overhead savings may be passed on to you as the subscriber.

How to Improve Your Insurance Rating

People who are under 25 are not doomed to high car insurance premiums. If you have negative points on your driving record, you are not sentenced to unaffordable premiums. Even high-risk drivers can find better rates than what they are initially offered if they do a little research.

Schools in the private sector offer safety classes to reduce the number of points on a person’s driving record.

DUI classes serve the same purpose. Some class participants are there by order of the court while others are there by choice.

Most states offer teen safety classes for teens who want a discount on car insurance.

Other ways to improve your insurance rating are to improve your credit score or move to another zip code. Additionally, an older car cost less to insure. It is even less to insure a car with safety features such as anti-lock brakes and automatic seat belts.

Additionally, an older car costs less to insure. A car with safety features such as anti-lock brakes and automatic seat belts is also cheaper to insure.

Shopping for the Best Price Car Insurance

As more websites offer car insurance comparisons, it becomes harder to choose. Some of the most important things to consider when narrowing down the choice might be:

  • Cost
  • Coverage Options
  • Discounts
  • Location
  • Insurance Rating
  • Plan Options
  • Down Payment
  • Monthly Premiums

Many of the sites that are cropping up now offer comparisons of 10 to 50 companies at a time. Remember that there are major companies, small to moderate companies, and insurance agents who are brokers for several or one companies in particular.

Free Car Insurance Comparison

Enter your ZIP code below to view companies that have cheap car insurance rates.

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How to Choose the Best Car Insurance Price

Choosing the best price for car insurance will depend on your needs and budget.

If the company has an A or B rating, is local, has a variety of plans, honors discounts, offers a good rate, and has good customer service, you should strongly consider purchasing coverage from them.

If the exclusions and possibility of an error in consideration increase, these negatives cancel out the positive.

Increasing the deductible will slash premiums on even the best-priced car insurance.

Disclosing your job and owning a vehicle with additional safety features may save you money. Also remember that minimizing the use of your car could save you money.

Get online car insurance quotes with just a ZIP code today!

Free Car Insurance Comparison

Enter your ZIP code below to view companies that have cheap car insurance rates.

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