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. He has also been featured on sites like UpJourney.

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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, including home, auto, umbrella, and dwelling fire insurance. He’s also been featured on sites like Reviews.com and Safeco. He reviews content, ensuring that exis...

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Reviewed by Daniel Walker
Licensed Auto Insurance Agent

UPDATED: Apr 21, 2020

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Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.

Things to Remember...

  • When issuing a quote for car insurance, companies factor in credit scores, bankruptcies, and several other details
  • However, even people with bad credit can wind up saving money on their car insurance policy
  • To find the best deals and low premiums, consumers should take the time to generate quotes online for car insurance from local and nationwide companies at the same time

Each day, drivers across the country take the time to do research online to find out how much car insurance costs in their area.

In the past, consumers waited to purchase a new car or add a new driver to a policy to find out if they were paying too much for automobile insurance.

Now, more consumers are generating multiple quotes for car insurance online because they do want to make sure they are paying what they should be paying for car insurance each year.

After conducting research online, many drivers find out that they are paying too much for their car insurance.

Use the FREE search tool above to find and compare auto insurance rates easily!

The Cost of Car Insurance is Based on Different Factors

When generating free quotes for car insurance, most insurance companies take many different factors into consideration.

Even though each car insurance company does things a little differently, most car insurance companies consider the following factors:

  • Driving history
  • How much drivers drive
  • Accidents
  • Tickets
  • Age
  • Make and model
  • Limits, coverage, and deductibles
  • Other factors

Many drivers who conduct research online are surprised to learn that these are not the only factors that have an influence on how much they will pay for insurance.

When issuing a quote for car insurance, companies factor in credit scores, bankruptcies, and several other details.

Drivers with blemishes on their credit report may wind up paying more than drivers with perfect credit scores.

However, even people with bad credit can wind up saving money on their car insurance policy.

To save money, consumers have to take the initiative to compare quotes from several automobile insurance companies online.

Free Auto Insurance Comparison

Enter your ZIP code below to view companies that have cheap auto insurance rates.

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Car Insurance Companies Use Formulas to Calculate Premiums

When it comes to getting the lowest rates on premiums, consumers should compare multiple quotes from different companies because each company uses its own internal formula to calculate premiums.

Since each company does things a little differently, some car insurance companies can offer better deals on insurance than others.

To find the best deals and low premiums, consumers should take the time to generate quotes online for car insurance from local and nationwide companies at the same time.

You Can Adjust Coverage, Limits, and Deductibles

Since there are so many different variables that go into determining how much car insurance costs, consumers have the ability to control how much they wind up paying simply by adjusting their coverage, limits, and deductibles when requesting quotes online for auto insurance online.

By modifying the level of coverage, limits, and deductibles, consumers can further their savings.

Get Quotes For Car Insurance for the Best Deals

Many more consumers are generating quotes for car insurance online because it is one of the best ways to get competitive rates on car insurance from multiple companies at one time.

Comparing quotes from several car insurance companies online can have an impact on how much consumers ultimately pay for their auto insurance.

Since the cost of car insurance varies from one company to another, requesting a free quote for car insurance can actually encourage auto insurance companies to offer lower premiums.

Free Auto Insurance Comparison

Enter your ZIP code below to view companies that have cheap auto insurance rates.

 Secured with SHA-256 Encryption

Free Auto Insurance Comparison

Enter your ZIP code below to view companies that have cheap auto insurance rates.

 Secured with SHA-256 Encryption

The Cost of Car Insurance is Cheaper in Certain Areas of the Country

In addition to all the other factors that can have an impact on car insurance premiums, insurance rates are also based on where drivers live.

Even drivers with impeccable records will wind up paying more in heavily populated metropolitan areas.

High risk and young drivers who live and drive in these areas will wind up paying even more money for car insurance.

Even though insurance rates are more expensive in certain areas, many insurance companies offer competitive rates and can help drivers save money.

To take advantage of these low rates, consumers need to take the initiative to use the resources that help them identify the lowest rates.

Find Low Rates on Car Insurance for Luxury Vehicles

Each day, consumers invest in luxury cars across the United States. Coverage for these vehicles is significantly more for these vehicles because the cost to repair and replace vehicles themselves is significantly more.

Drivers who want to save money on car insurance should take the price tag of their vehicle into consideration.

Before heading out to purchase a vehicle, drivers should take the time to generate multiple quotes from car insurance companies to find out how much is car insurance for the particular make and model they want to purchase.

Vehicle Safety Features Have an Impact on the Cost of Car Insurance

Before purchasing a vehicle, many consumers take the time to generate free quotes for car insurance to help decide which vehicle to purchase.

Although the make and model of a car are important, most automobile insurance companies focus on safety features and equipment.

Whether a car is equipped with an anti-theft device, anti-lock brakes, cameras, and other safety equipment, car insurance companies usually take safety equipment into consideration when generating a free quote for car insurance.

As many consumers discover, the cost of car insurance is usually less for cars equipped with additional safety equipment.

Free Auto Insurance Comparison

Enter your ZIP code below to view companies that have cheap auto insurance rates.

 Secured with SHA-256 Encryption

Limits, Deductibles, & Certain Coverage Drive the Cost of Insurance Up and Down

Although the cost of car insurance varies and is based on numerous factors, consumers can take control of their finances by deciding how much coverage they really need and which coverage they can eliminate.

When generating a free quote for car insurance online, drivers can take the time to evaluate each of the quotes to determine which one offers the most savings based on limits, deductibles, and coverage.

By taking the time to think about what coverage consumers really need, consumers can reduce their car insurance premiums.

When it comes to doing research on how much is car insurance in the United States, car insurance consumers are surprised to learn how much companies take into consideration.

This is why so many insurance companies encourage consumers to shop online and compare quotes for automobile insurance.

The easiest way to compare rates is by using our FREE quote tool above now! Simply enter your ZIP code.