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Shopping for Car Insurance

There are six million car accidents in the US every year. You never know when you'll become a part of that number, so it's important that you have a good car insurance policy. However, you don't want to pay more than you need to. The average American will pay $1,470.00 for car insurance this year. That's a lot of money. Of course, this is only an average. Rates vary widely based on the type of car you drive, where you live, how you drive, and who you are.

You have more important things to spend your money on than paying more than you need to for car insurance. So, how can you find the best rate and car insurance policy? In this article, we'll walk you through everything you need to know to get the best car insurance coverage for your money.


When is it Time to Search for New Coverage?

If you're already covered by an insurance policy, it may seem easier just to stick with the coverage you have, but that's not always the best decision. To ensure that you're getting the best deal, comparing rates often is your best bet. Prices are always fluctuating and your situation may have changed, meaning you may qualify for a lower price. The only way to know for sure is to shop around and compare quotes. Life events can also affect your car insurance needs. Any of these situations can mean it's a good time to find a new policy:

  • You got married

  • You're retiring

  • You have a teen driver

  • You bought a new car

  • You're wondering if your rate could be lower

  • You haven't compared quotes in the last year


Factors that Affect Your Car Insurance Rate

Whether you're already covered and just looking for a better deal, or you have a new car or driver that needs a new policy, there are several factors you'll want to keep in mind while searching for a quote. These can all affect the rate you'll pay:

  • Age: The number of birthdays you've celebrated will greatly affect car insurance rates. Teen drivers pay the most, and those over 50, generally pay the least.

  • Driving History: A history of tickets or driving violations will increase your rate since you're seen as more likely to have an accident.

  • Credit Score: Those with lower credit are generally seen as less responsible and therefore more likely to engage in risky behaviors. Also, statistics show that those with lower credit scores are more likely to file an insurance claim, and when they do, they are generally for larger amounts than those with a high credit score.

  • Location: Where you live plays a big role in what you'll pay. So, if you've moved recently, even just across town, it may be worth it to compare quotes again. This is because insurance companies use statistics based on zip codes, to figure out which areas have the most accidents.

  • Insurance History: If you have a lapse in insurance coverage, you could pay more on your premium. This is because if you were licensed, but not insured, there's a big chance you were driving without coverage, and this indicates risky behavior.

  • Annual Mileage: The more time you spend on the road, the more likely you are to have an accident. So, if you have a long commute to work, this could impact your rates.

  • Marital Status: Statistics show that married drivers have fewer accidents and generally engage in less risky behavior. Those who are single will pay more.

  • Gender: Sorry guys, men have more violations, accidents, and risky behavior than women. They will generally pay more on car insurance. This statistic affects teens the most.

  • Vehicle: The type of car you drive will impact your rate. Sports cars will generally pay more, while cars that are considered safer or driven by safer drivers, for example- a minivan, will pay less.

  • Coverage Level: Obviously, for more coverage and protection, your rates will be more.

Even with all these factors being the same, rates can still vary wildly by an insurance company. That's why it's important to get a quote from multiple companies to find the best deal.


You May be Entitled to Discounts and Bonuses on your Car Insurance

The discounts that are offered to you will depend on your individual insurance company. Some companies may offer many discounts and bonuses, while others offer very little. It's important to ask about any discounts you may qualify for, because they may not always tell you. Some examples of common discounts are:

  • Good driver discount

  • Good student discount

  • Affinity discount- based on employers or organizations you may be a part of

  • Anti-theft device discount

  • E-pay or automatic withdrawal discounts

  • Green vehicle discounts

  • Multi-policy discount

  • Multi-driver discount


How to Find the Best Rate

Now that you see all the factors that can influence the amount you'll pay, and understand that it can still vary largely based on the insurance company, you see why it's so important to compare quotes. BuyCarInsurance.com can provide free quotes from the best car insurance providers in your area. The process is easy and hassle-free. See what you could be saving by visiting by following these three easy steps.

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1. Describe yourself
Answer some easy questions so we can assess your needs
2. Get best options
We find the insurance plans that best fit your profile
3. Select and save!
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