Car Insurance Information

It is important to know car insurance information about discounts, quotes, and keeping rates low. Use our quote comparison tool to find car insurance information about rates and policies.

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Zaneta Wood, Ed.S. has over 15 years of experience in research and technical writing bringing a keen understanding of data analysis and information synthesis to reach a wide variety of audiences. She studied adult education and instructional technology at Appalachian State University as well as technical and professional communication at East Carolina University. Zaneta has prepared technical p...

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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: Jun 16, 2020

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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.

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Car Insurance InformationLooking for the best car insurance information? Since most states require at least a minimum amount of car insurance, it is worth taking the time to compare rates and get as much car insurance information as possible.

In fact, you can get a free quote right now simply by entering your zip code in the free tool. Of course, it is important to get more than one quote because one of the best ways to save money on car insurance is by comparing prices.

Our free car insurance quote tool makes finding the best auto insurance information a piece of cake. You just enter your zip in to begin comparing free car insurance rates from many top car insurance companies online. Try it out now!

Car Insurance Discounts

There are numerous other ways to save money on car insurance besides getting multiple quotes. Asking for discounts is just another way drivers can save a lot of money on vehicle insurance. By visiting the state insurance department’s website of the state in which they reside, individuals can learn a lot of information about car insurance, including which discounts are permitted in their state.

Many drivers do not realize some of the ways in which they can receive a discount on their car insurance. While not all states or all car insurance companies offer every discount listed below, here are just some of the discounts that are currently being offered:

  • Safe Driver Discounts
  • Discount for Multiple Lines of Insurance
  • Low Mileage Discounts
  • Good Student Discounts
  • Discounts for Defensive Driving Courses
  • Professional Membership Discounts
  • Discounts for Military Personnel
  • Vehicle Safety Equipment Discounts
  • Customer Loyalty Discounts

While the above list isn’t exhaustive, it pays to check for any discount for which individuals may qualify. In addition, it is important to ask which part of the policy the discount will apply toward. After all, if the discount only applies to the comprehensive part of the policy and the driver only opts for liability insurance, then that particular discount will not apply.

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What Drivers Can Do to Save Money on Car Insurance

Some factors that go into determining the amount the insurance premiums will cost, such as age, are beyond the driver’s ability to change. However, there are many factors that figure into the cost of auto insurance that drivers can have a bearing on. For example, drivers who have a clear driving record pay less for car insurance than drivers who have had multiple tickets and multiple accidents.

While not all car insurance companies check the credit reports of drivers, some do so those who have a good credit score may pay less for auto insurance than those drivers who have a poor credit score.

Another way that drivers can influence the cost of their car insurance premiums is by opting for a higher deductible. Many drivers who previously had a $500 deductible noticed quite a savings when they increased their deductible to $1000. In addition, by paying for a six month policy instead of paying monthly, drivers can usually save money on the cost of premiums.

Why Some Cars Cost More to Insure Than Others

Most people realize that expensive sports cars cost more to insure than the average car, but there are other factors that affect the amount it costs to insure a particular car. For example, cars that are stolen more frequently cost more to insure than vehicles that are not stolen very often. Each state keeps a list of the vehicles stolen most often so for drivers that are car shopping, it pays to take a look at the list of most stolen vehicles in their state and to steer clear of the ones at the top of the list.

Cars that have a good safety rating cost less to insure than cars that are deemed more dangerous or more expensive to fix in the event of an accident. This is another important factor drivers should check when they are shopping for a new vehicle. Not only can they save money on insurance, but it is important to drive a vehicle with a good safety rating. Many drivers get so caught up in the price of a car that they forget about safety ratings but it is a good idea to consider how safe a vehicle is before purchasing and insuring it.

Where to Find More Information About Car Insurance

Other than comparing prices and heeding the tips mentioned above, drivers can find a wealth of car insurance information on the website of their state’s division of insurance. Most states list the minimum requirements and they list which discounts are allowed or required in that state. Drivers armed with this information can be sure to ask for discounts by name instead of merely asking the car insurance company if they have any discounts.

Start now by obtaining car insurance quotes and compare the prices. Drivers are often amazed by the savings they enjoy once they do the legwork to compare prices among insurance companies. In the past, individuals had to call several insurance companies or visit them in person but with this information readily available online, drivers can now get all the information they need from the comfort of their homes. It is very easy to save a bundle on car insurance by asking for a few free quotes. Drivers who start now will realize their savings almost immediately.

For all kinds of car insurance information online and free rate quotes just enter your zip code in now!

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Average Monthly Car Insurance Rates by State