How to find affordable car insurance

Finding affordable car insurance rates is not difficult. However, rates vary according to factors such as where you live and what you drive. Shopping for car insurance every six months is the best way to find good deals.

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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...

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UPDATED: Jun 4, 2020

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Here's what you need to know...
  • Finding the auto insurance company with the most reasonable rates is not difficult
  • Insurance rates will vary according to factors such as where you live, what you drive, etc.
  • Shopping for car insurance rates every six months will help you find the best deals

Who has the cheapest auto insurance? If you are wondering who has the most reasonable car insurance rates today, you are not alone. However, there is no simple answer to that question.

The fact is that with all of the criteria that insurance companies use to calculate their rates, the company that offers the lowest rates for you may not offer the lowest rates for another driver.

Further, the company that offers the lowest rates for you today may not offer you the best deal on your car insurance six months from now.

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Hundreds of Choices

 

There are several hundred car insurance companies that you can choose to get your insurance from.

Each one promises lower rates than the competition, and it can be pretty difficult to determine which is the best company for you to get your insurance through.

Complicating matters is the fact that each of these companies has their own system for calculating their rates.

The system may change from time to time, and the factors being taken into account in this fluctuating system may change, too.

The bottom line is that there is not a uniform answer to the question of who offers the most reasonable rates for car insurance. The best option to getting low rates for your coverage is to get.

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Finding the Lowest Rates For You

 

What insurance company has the best rates? Every company will offer you a different rate. Since these rates can vary significantly, it is in your best interest to get as many quotes as you can.

By comparing as many rate quotes as possible, you will have more quotes available to choose from.

Here are different ways of getting insurance quotes:

  • Call insurance companies directly. A single call for a quote can easily take ten to twenty minutes, so this is a very time-consuming way to get quotes.
  • Manually input vehicle and personal information into a quote form on an insurance company’s website directly. This process can be time-consuming as well.
  • Work with an auto insurance broker. You provide your information to the broker a single time, and the broker will provide you with several rate quotes for your modest time investment.
  • Use an online rate comparison site. These sites provide you with a fast and easy way to get numerous quotes. You enter the information once and then receive personalized quotes back.

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How Often Should You Shop?

Shopping for coverage can take you many hours, and even days if you choose to shop for coverage with each individual insurance company.

Using an online rate comparison site makes shopping faster and easier.

Many experts suggest that drivers should shop for coverage every six to twelve months for rates.

Why Should You Shop So Frequently?

 

It may seem like overkill to shop for new car insurance rates after six to twelve months.

However, many of factors that insurance companies use in their internal rating system do fluctuate or change.

Some of these factors include:

  • The Economy – Inflation, supply and demand, and other factors can affect rates
  • Driving History – Companies will look at driving history events like traffic citations and accidents
  • Location-Specific Factors – Vehicle-related crimes and the average age of drivers in your area can determine rates

Shopping for low rates today with an online comparison site can give you more quotes to choose from and in a more efficient way.

This is a great way to find a reasonable rate for your coverage today. Enter your ZIP code now to receive car insurance quotes for FREE!

References:

  1. http://www.iii.org/article/what-determines-price-my-auto-insurance-policy
  2. https://www.edmunds.com/auto-insurance/10-steps-to-buying-auto-insurance.html
  3. https://www.thebalance.com/paperwork-needed-for-car-insurance-527454
  4. http://www.investopedia.com/ask/answers/050715/how-does-insurance-broker-make-money.asp
  5. http://www.stateofflorida.com/Portal/DesktopDefault.aspx?tabid=23

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