How to Check Direct Auto Insurance Companies Rates

Compare quotes to lower your auto insurance rates up to 20%. Save even more by (1) upgrading safety features, (2) taking driving classes, and (3) switching to a newer vehicle.

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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 22, 2020

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Things to Remember...

  • The internet is the most effective way of doing a comparison of rates for different auto insurance rates
  • When a car is old it is more likely that the insurance company will charge more on the insurance of the car as it is deemed to be riskier to cover
  • Although there are different rates you can get in the market it is better to compare the prices of all the companies offering these services
  • Rates can be higher for cars with modifications can alter the functioning of the car and this may make the car to be unstable causing it to be riskier to drive

Finding the best auto insurance quote is something that can be very difficult, especially when one does not have experience in this sector.

For instance, there are a lot of people who do not know that the rates of insurance vary from one company to another, and it is good to compare prices companies offer so that you don’t end up paying for more than you have to.

The internet is the most effective way of doing a comparison of rates for different auto insurance rates.

With thousands of companies that are already established, it can be a very difficult thing to go physically from one company to another comparing the rates of each company.

Enter your ZIP code into our FREE auto insurance comparison tool to get rates immediately from your own home!

Drivers who have no experience can also find it very effective to use the internet when doing research on the best auto insurance quotes from top companies that offer these services.

There are many factors that cause the disparity of rates and therefore it can be a good idea if you know some of the things that make the insurance quotes to be high or low.

Age of Car

When a car is old it is more likely that the insurance company will charge more on the insurance of the car as it is deemed to be riskier to cover as such cars can easily be involved in accidents due to failure of the car’s system.

This is why you find that you are charged high on old cars than when you are looking for an instant auto insurance quote for a new car.

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Engine size

When a car has a big engine capacity, for instance, 3000c the car is usually more powerful and therefore can be able to move in high-speed as compared to a car with smaller engine capacity.

When a car is moving at high-speed it is more likely for such a car to cause an accident than that moving in lower speed.

Therefore, when buying a car it can be a good idea to consider buying one with smaller engine capacity if you want to save on insurance quotes.

Modifications

Some cars are modified to suit their user’s needs. For instance, you will find cars for young people modified to make such cars to have entertainment features that can include the use of hydraulic shock absorber.

In such a case the owner of such a vehicle will be charged a high insurance quote than a person with the same make of car, but has not been modified.

These modifications can alter the functioning of the car and this may make the car to be unstable causing it to be riskier to drive.

Driver Experience

With a driver who has more experience, the rates for auto insurance can be lower than the insurance quotes for a new or inexperienced driver.

The companies that offer these services mostly view the inexperienced driver as riskier and who are likely to cause accidents.

On the other hand, an experienced driver may be able to drive carefully and are less likely to be involved in accidents.

However, if an experienced driver is asked for history and is found out that he may have been involved in flouting traffic rules’ or found driving recklessly then such a driver may attract higher auto insurance quotes.

This can certainly be avoided when you can get instant auto insurance quotes.

Free Auto Insurance Comparison

Compare quotes from the top auto insurance companies and save!

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Free Auto Insurance Comparison

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

 Secured with SHA-256 Encryption

Driving Skills

People who regularly upgrade their skills on driving may be able to enjoy lower insurance quotes as they are deemed to have more skills in road usage, as well as driving safely.

This makes it necessary for you to ensure you always get the safety education on driving or by ensuring your driver has these skills.

This will automatically give you an opportunity to negotiate for your quotes and could help you save a lot of money on your insurance cost.

Security Features

When a car has security features that can make the car to be more secure can also be a good way of having companies offer me cheap auto insurance rates.

A car that has alarm systems that can guarantee the safety of the car is more likely to make the car to be safer and therefore would not pose a risk to the insurance company.

Garages, for instance, can be used to show that there are some necessary security features in place.

The factors above are used by the insurance company to establish the rates for auto covers. Although there are different rates you can get in the market it is better to compare the prices of all the companies offering these services.

This can help you save on the cost and get additional services on certain companies’ offers. Below are some of the things that you should consider when buying an auto insurance cover

  • Track record of the company – It is good to look for the history of the company offering the cover so that you can rest assured your money is safe with such a firm. Many companies have a bad record of not paying claims on time or not at all.
  • Know the cover you need – There are several covers available in the market and it is good for you to find the right cover that will protect you from huge losses. Comprehensive cover is one of the best, but it may be more costly. Third-party cover is compulsory and is indeed very important to avoid being sued for accidents and damages that your car may cause.
  • Competitive quotes – It is good to compare prices of several insurance companies as this is very helpful when you need to save or you want to get quality services at a reasonable cost.

Those are some of the tips on how to go about looking for an auto insurance plan for you.

One of the best ways of getting the right policy is through doing comparisons of different auto insurance companies offering these services.

Enter your ZIP code into our FREE auto insurance comparison tool to start comparing rates now!

FREE Auto Insurance Comparison

Compare quotes from the top auto insurance companies and save!

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