Comparing Auto Liability Insurance Rates

Want to compare auto insurance liability rates? U.S. residents pay around $538.73/yr. for liability coverage. Liability includes bodily injury and property damage protection.

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Mathew B. Sims is Editor-in-Chief and has authored, edited, and contributed to several books. He has been working in the insurance industry ensuring content is accurate for consumers who are searching for the best policies and rates...

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Dan Walker graduated with a BS in Administrative Management in 2005 and has been working in his family’s insurance agency, FCI Agency, for 15 years (BBB A+). He is licensed as an agent to write property and casualty insurance...

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Reviewed byDaniel Walker
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UPDATED: Apr 27, 2020

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Things to Remember...
  • Comparing liability rates is one of the most important steps in buying car insurance
  • There are several different types of car insurance including liability, collision, and comprehensive
  • Consider the factors that impact the price of a driver’s car insurance premiums

One thing that most financial experts will tell you is that it is vitally important to compare auto liability insurance rates before you decide to choose a car insurance company.

In fact, you may already have your car covered, but you should still spend a few minutes every 12 months or so in order to make certain that your old company is still competitive.

You can use the FREE auto insurance comparison tool located at the top of this page to get started!

Why it is Important to Compare Auto Liability Insurance Rates

Many US vehicle owners assume that all insurers are exactly the same.

Actually, surveys of top companies found that some are friendlier to different types of customers, and they also offer different combinations of discounts.

It is really impossible for any one consumer to figure out which of these companies will offer them the best deal without taking the time to compare rates.

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What is auto liability insurance?

First, it might be helpful to understand what liability insurance is.

Consider some features of a basic auto liability policy:

  • Liability is the portion of an auto policy that covers possible damages or injuries to the other party in a car accident that you caused
  • It provides protection against both claims of property damage and injuries
  • Every US state has minimum liability insurance requirements

Even though drivers have to purchase a minimum policy for their state, some choose to purchase higher amounts of coverage.

Some people with a lot of assets or a particular type of job may purchase higher benefit levels.

Of course, some people also purchase full coverage, including collision, comprehensive, and other types of coverage as well as liability.

These are not legally required, but they may be required by a loan company and are just considered a good idea by some car owners.

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How to Save Money on Liability Insurance Rates

First, consider some of the factors that will influence your own auto liability insurance rates:

  • The insurance company – Insurers all have their own rate charts and underwriting guidelines
  • The make and model of vehicle – Some cars may have a history of being involved in fewer accidents, have additional safety features, or be relatively cheap and easy to repair
  • The drivers on the policy – Both very young and very old drivers may cost more to cover as will drivers who have a few recent traffic tickets or accidents on their records
  • Available discounts – Insurers offer all sorts of discounts to attract certain types of clients including discounts for taking driving classes or paying with an automatic ACH
  • Credit scores – Most insurance companies consider their client’s credit score, and they only give their very cheapest rates to people with good credit
  • Your zip code – Insurers also charge more for customers in some areas because those areas are associated with high repair costs, lots of uninsured drivers, or lots of accidents

How can knowing these things help you save money? Obviously, some of these factors are not that easy to control, or at least, they are not very easy to control quickly.

You might not be able to move to a cheaper town just to save money on your auto liability policy.

You might, however, consider buying a vehicle that is cheaper to insure the next time you shop for a used or new vehicle.

What can you do to get cheaper auto liability insurance fast?

 

Note every step that you can take to save money has to take a long time. There are some things that you can easily do that might give you cheaper liability insurance by next month.

These things include:

  • Shop around – Compare rates from a handful of different insurers in order to find the most competitive company
  • Take a driving safety class – Many insurers offer a 5 to 10 percent discount for customers who take an approved class every few years
  • Increase your per-accident deductible – Raising your deductible means you will have to pay more out of your pocket, but you could save on your monthly premiums
  • Look for car insurance discounts – Look for the combination of car insurance discounts that benefits you the best
  • Buy a cheaper car – When you do have the chance to buy a new or used vehicle, compare car insurance rates before you make your final purchase decision

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Get the Best Rates and Coverage for You

 

Every average consumer cannot be expected to know which insurer will give them the cheapest price or right combination of benefits.

However, these days it is very easy to compare auto insurance quotes using an online form or by calling an independent car insurance agent.

The good thing for today’s consumers is that car insurance companies have had to become a lot more transparent about pricing since it is so easy for consumers to compare rates and plans.

Even if the premium difference is only $20 a month, you could save well over $100 a year.

However, sometimes you will find deals that will allow you to save thousands of dollars a year, so it is worth it to take a few minutes to compare quotes from competitive companies.

It is absolutely a good idea to compare auto liability insurance rates to be certain you get the best value for your money.

Be sure to use our FREE tool located below to compare auto insurance quotes. Simply enter your ZIP code to get started.

References:

  1. http://www.naic.org/state_web_map.htm
  2. https://www.thebalance.com/comprehensive-vs-collision-coverage-527402
  3. http://www.iii.org/article/what-determines-price-my-auto-insurance-policy
  4. http://www.consumerreports.org/cro/car-insurance/credit-scores-affect-auto-insurance-rates/index.htm
  5. http://money.msn.com/auto-insurance/do-higher-deductibles-save-money
  6. https://www.thebalance.com/what-is-an-independent-agent-527051

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