Key Takeaways
Getting a cheap car insurance quotes is the best way to see how much different companies charge and what kinds of coverage they offer. Traditional auto insurance companies do offer free car insurance quotes. However, this method is only sometimes the best because it only gives you one choice.
When you're looking for a new policy, follow these steps to find great coverage at an affordable price.
Price is the first thing that most people look at when they get car insurance quotes. It would help if you tried to keep your car insurance costs as low as possible, but keep in mind that cheap auto insurance quotes aren't always the best.
It might not be the best idea to get cheaper car insurance from a company with a bad reputation or bad customer service. Now is the time to use what you know about the different kinds of news.
It can help your search for car insurance quotes if you know ahead of time what kind of coverage you need. Some drivers only want the bare minimum in car insurance. However, there are many reasons to look at more than just liability insurance.
You might have to pay for losses that are more than your liability limits if you were at fault in an accident. Second, some insurance companies think that drivers who have had state minimum coverage before are a risk. If an insurance company thinks you are a dangerous customer, they will charge you more to cover that risk.
One very important thing you should do when shopping for car insurance quotes online is to learn about how different companies treat their clients. Along with groups like the Better Business Bureau and J.D. Power, you should look for things like claims satisfaction and customer concerns.
After learning about the best insurance companies, the next thing you should do is choose how you want to get your car insurance quotes. It is important to get more than one car insurance quote, no matter what way you choose. The following ways can be used to do this:
Because they only work for one insurance company, these agents can't compare rates, so you'll only get a price from one company. These insurance agents are great for customer service, and many of them have physical offices to serve their clients. However, some companies that focus more on technology no longer use these types of agents at all.
You have many choices because different insurance companies hire independent agents to sell their plans. To get cheap car insurance quotes auto-super app Way is an example. We work with some of the best insurance companies and have a man here who can help you with your car insurance.
Online insurance comparison sites like Way can help you get several affordable car insurance quote in just a few minutes. They are the most convenient and give you the most choices.
Online free auto insurance quotes are one of the easiest ways to look for car insurance. Most companies, like State Farm and Allstate, let you get free car insurance quotes online. You can start the process on your own, but an agent will call you to finish the quote.
When you buy a policy online or over the phone, you are said to be getting car insurance "directly" from the company.
You can make more changes to your coverages if you buy insurance directly from the company instead of through an agent. You can also get car insurance quotes online. But there may be follow-up calls and emails, or you may find that websites give you less information than talking to an agent in person.
Car insurance quotes can be very different from one person to the next because of all the factors that go into setting the price. We also need to learn more about your car, where it is, or your driving record, so we can't say for sure what kind of auto insurance price you'll get.
But our study of national car insurance rates in June 2024 helped us come up with these averages:
| Driver profile | Full coverage | Minimum coverage |
|---|---|---|
| Clean driving record, good credit | $1,718 | $488 |
| One speeding ticket, good credit | $2,177 | $616 |
| One at-fault crash, good credit | $2,526 | $725 |
| One DUI, good credit | $3,186 | $919 |
| Clean driving record, poor credit | $2,741 | $756 |
You can get personalized cheaper car insurance quotes from top companies through Way. Way is an independent insurance expert and comparison site that can speed up your research.
Way lets you compare car insurance quotes online quickly and easily, so you don't have to guess which insurance is best for you. We work with more than 140 auto insurance companies to help you find the right insurance for your needs.
With Way:
Way really cares about your privacy. We don't even ask for your phone number so that you won't get spam, and we don't sell your information to anyone else.
You can start the process online or call us to talk to one of our agents.
We all know that the main reason people look for cheap car insurance quotes is to save money. We've put together a list of ways to help you get cheap car insurance quotes online.
Every six months, you should look at compare car insurance quotes to make sure you're with the right company. Many things could cause your rates to go up during that time, even if nothing changes about you. Some things that might get you lower rates, though, are moving to a new state, adding a new car to your policy, getting married, or even just getting older.
If you can find a better deal somewhere else for the same level of coverage, you should cancel your old insurance and start with the new one right away. If you still have time left on your car insurance policy, you can get your remaining premium back.
Sometimes, when they look at your driving record, some discounts are already built into your car insurance quote. But you should always check to make sure they have everything.
Here are some possible discounts and programs that will help you save money that will help you get the cheapest price:
As a general rule, if your car is worth less than $4,000, you should consider getting less crash and comprehensive (full coverage) insurance. The reason is easy to understand: your car's resale value isn't worth the money it costs to cover. However, if you lease or finance your car like half of our customers do, you generally have to keep full coverage.
If you need full coverage for your car insurance but want to save money, you should change your deductible.
Since the relationship between your car insurance deductible and rate is the opposite of what you might think, raising your deductible will lower your bill. You can see how your rate will change with a $500 or $1,000 deductible in the chart below.
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|
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|---|---|---|
| Company | Coverage | Avg. Monthly Premium |
| USAA | Liability Only | $36 |
| State Farm | Liability Only | $49 |
| Nationwide | Liability Only | $50 |
| Progressive | Liability Only | $58 |
| Farmers | Liability Only | $60 |
| Allstate | Liability Only | $61 |
| USAA | Full Coverage w/ $1000 Deductible | $99 |
| Nationwide | Full Coverage w/ $1000 Deductible | $112 |
| USAA | Full Coverage w/ $500 Deductible | $114 |
| State Farm | Full Coverage w/ $1000 Deductible | $121 |
| Nationwide | Full Coverage w/ $500 Deductible | $123 |
| State Farm | Full Coverage w/ $500 Deductible | $131 |
| Farmers | Full Coverage w/ $1000 Deductible | $135 |
| Progressive | Full Coverage w/ $1000 Deductible | $139 |
| Farmers | Full Coverage w/ $500 Deductible | $149 |
| Progressive | Full Coverage w/ $500 Deductible | $157 |
| Allstate | Full Coverage w/ $1000 Deductible | $177 |
| Allstate | Full Coverage w/ $500 Deductible | $201 |
After getting several car insurance quotes, a shopper who wants to save money has chosen the three choices below.
The customer is mostly interested in price, but they also want to make sure they have accident and comprehensive coverage for extra peace of mind. Based on the facts given, which quote should they pick?
| Liability | Deductible | Cost | |
|---|---|---|---|
| Quote #1 | 50/100/50 | $1,000 | $111/month |
| Quote #2 | 100/300/100 | $1,000 | $112/month |
| Quote #3 | 100/300/100 | $500 | $125/month |
The prices of all three choices were about the same, but #1 had less liability coverage. That's the only real difference between #2 and #3; the third choice had a higher copay. The best choice for this customer is #2 because they only care a little about having a bigger deductible.
You can check your car insurance claims in two main ways. One way is to ask your current or former insurance company for a letter of experience. This will give you more information about your policy. You can order a Comprehensive Loss Underwriting Exchange (CLUE) report if you can't get a letter of experience. This is the other main way to look at your claim history.
Read on to learn what the difference is between the two.
A letter of experience is a piece of paper that contains all the details about your policy. It includes information about the claims you made, how the company investigated them, and how they were finally solved.
If you need a letter of experience from your provider, all you have to do is ask your insurance agent for one. Usually, the following information will be in it:
For an experience letter to be valid, it needs to be printed on the business's letterhead and signed by a real person from the company.
Claim information is put together in a CLUE report, which is made by the consumer reporting service LexisNexis. Most CLUE reports have up to seven years of claims history for home and car insurance policies. It won't hurt your credit score to ask for a copy of your CLUE report.
What Does a CLUE Report Have?
This is what a CLUE report normally has:
Why would an insurance company use a CLUE report?
When you apply for a new insurance policy, the company may ask for a CLUE report. The company will review this very detailed record to decide whether to cover you and how much to charge you.
You can use a CLUE report to guess how risky it might be to insure you. You may be thinking of filing more claims in the future if you have a past of filing many claims.
How do I get a Clue Report?
Get in touch with LexisNexis to ask for a CLUE report. This study is free, and you can get one copy every 12 months.
You'll need the same general information to get a cheapest online auto insurance quotes. To get things done faster, make sure you have these things ready to hand over:
Driver's license
Along with your gender and marital situation, you must include your name, address (or where you park your car), and birthday. For some insurance companies, they will also need the number on your driver's license.
Vehicle type
It's important to know your main car's year, make, model, and style. You don't need to know your vehicle identification number (VIN) to get a quote, but you will need it when you buy your insurance.
Other vehicle details
People usually also want to know if the vehicle is owned or rented, what it is mostly used for, and the average number of miles it is driven.
Insurance history
Have you had coverage for a long time, or are you currently not insured? Some car insurance companies will give you a policy once you've had insurance for at least six months straight.
Additional information
Lastly, they will ask about any crashes or tickets (not including parking tickets), so it's best to have a clean record. To determine your risk, they will also need to see your credit score and highest level of schooling.
Believe it or not, your age can significantly impact your car insurance premium. Younger drivers, especially those under 25, often face higher rates due to perceived higher risk. As you mature and gain driving experience, your rates typically decrease.
Traditionally, married individuals have been seen as more responsible drivers, leading to lower premiums. However, this trend is changing, and many insurers now offer similar rates to both married and single drivers.
Where you live plays a big role in your car insurance cost. Urban areas with higher crime rates and traffic congestion tend to have higher premiums, while rural areas might offer more affordable rates.
While education level isn't a direct factor, it can indirectly influence your rates. Higher education often correlates with higher income, which might lead to owning newer, more expensive cars, potentially impacting your premium.
Many insurers increasingly use your credit score to assess risk. A good credit score often translates to lower premiums, while a poor score might result in higher rates.
Your driving history is a major factor in determining your premium. Accidents, traffic violations, and claims can significantly increase your rates. A clean driving record, on the other hand, can lead to discounts.
The type of car you drive, its safety features, and your annual mileage all influence your premium. High-performance cars or those with a higher theft risk tend to be more expensive to insure. Additionally, driving more miles increases your risk of accidents, potentially leading to higher rates.
Remember, these are general factors, and individual circumstances can vary. It's always a good idea to compare quotes from multiple insurers to find the best deal for you.
Believe it or not, your credit score can impact your car insurance rates. Aim for a good credit score to snag those potential discounts.
Be sure to find the best deal on your new ride before you have the keys in hand. Compare quotes from different insurers.
Speeding tickets, accidents, and DUIs are like kryptonite for your wallet. Maintain a clean driving record for potential discounts.
Many insurers offer discounts for bundling policies, being a good student, or installing safety features. Ask about them!
Increasing your deductible (the amount you pay out-of-pocket before insurance kicks in) can lower your monthly premium. Just make sure you can handle a higher upfront cost in case of an accident.
Remember: The cheapest quote is only sometimes the best deal. When making your decision, consider coverage options and customer service.
Bonus Tip: Use online comparison tools to compare quotes from multiple insurers quickly.
Car insurance quotes are an idea of how much you might pay for coverage from a certain company. The information you give about yourself affects the quotes you get for car insurance. Rates for car insurance are based on your age, credit score, and driving record.
You can get free car insurance quotes over the phone or online. Major insurance companies and insurance comparison sites like Way both offer free car insurance quotes. In just a few minutes, you can get prices from hundreds of the most reliable insurance companies.
A comparison site like Way is the fastest and easiest way to get affordable car insurance quotes. With Way, you can compare car insurance quotes online from as many companies as possible side by side. This lets you find the best rate for the coverage you need.
You are just as safe getting and looking online for car insurance quotes as you would be with an insurance broker. This is the best way to get car insurance quotes because it will save you time and money.
As of right now, Way says that USAA ($889/year) and Nationwide ($1260/year) are two of the best car insurance companies. There are, of course, price factors that are unique to each driver, but our data shows that these are, on average, the best choices.
High car insurance quotes can be caused by many things, some of which are out of your control. Some of these are the company you choose, where you live, your age, your driving record, the type of car you drive, and even your credit score. To get car insurance quotes that are the cheapest, you should get car insurance quotes from more than one company, look for discounts, and think about changing the coverage.
The auto insurance rates published in this guide are based on the results of research completed by Way.com’s data team. Using a mix of public and internal data, we analyzed millions of rate averages across U.S. ZIP codes.
Quotes are typically based on a full coverage policy average unless otherwise noted within the content.
These rates were publicly sourced from insurer filings and should be used for comparative purposes only — your own quotes will differ. Given this, it’s important to go through our insurance steps form to find how much you can save with way.com
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