What are the average auto insurance companies quotes?

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  • Auto insurance coverage quotes may vary greatly depending on what type of vehicle you want to insure and your previous driving record
  • Be sure to check out your state’s laws as to which types of coverage, and the minimum amount, that you need
  • Your credit score can affect your monthly rates both negatively or positively

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Purchasing your auto insurance online will typically save you anywhere between 15 percent to over 50 percent off of the price of your current policy.

Auto insurance coverage quotes may vary greatly depending on what type of vehicle you want to insure and your previous driving record.

They’ll also factor in the types of auto insurance you plan to buy as well as the amount of coverage you’d like to purchase.

By doing a quick auto insurance comparison online you are sure to find a policy that costs less than the one that you have at the moment.

Enter your zip code into our FREE auto insurance comparison tool to find great rates for you!

How To Compare Auto Insurance Quotes

Here are the basic steps that you’ll have to go through in order to compare auto insurance online.

  • Know All Your Data – In addition to personal information about yourself and any other drivers that will be on the policy, know basic details about their driving history and the vehicle that they drive.
  • Know What You Need – Be sure to check out your state’s laws as to which types of coverage, and the minimum amount, that you need.
  • Input the Information – Now that you have your information prepared, enter it into the online auto insurance rates comparison form.
  • Choose Which Companies You Want to Compare – From the choices you are given, select several from which you want to receive quotes. It’s best to compare at least five, though any more than ten will complicate the comparison process.
  • Get the Quotes and Read the Details – Once you get quotes, you need to compare the policies. Just because one company is $10 cheaper doesn’t mean that it’s the way to go.
  • Ask Questions – If you are unclear about anything in the policy, ask questions before you sign up and pay your premiums. Online or phone customer service reps are often available to help you better understand the jargon that is in the policy.

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Tips to Get Low Auto Insurance Quotes

Here are some things that you can make sure that you are doing in order to keep your car insurance quotes low.

If you think that the quotes that you are getting could get lower, make some adjustments based on the following tips and try again after a reasonable amount of time has passed.

  • Have A Clean Driving Record – If you have a perfectly clean driving record, you should find that you get low quotes consistently. However, if you’ve been involved in an accident or got a ticket within the last five years, you will find that the longer your record goes without being added to, the lower quotes you’ll get. The only thing you can do to improve this is to drive carefully and be cautious of other drivers who drive carelessly.
  • Excellent Credit – You may wonder what your credit score has to drive with your insurance prices and you’re not alone. Many people don’t realize that insurance companies use your FICO score as an indicator of how much risk you represent. Someone with high credit, like 750 or above, is considered to be a more careful driver than someone whose score is 600. It’s a standard policy across the industry and the best thing you can do to boost, or maintain, your credit score is to keep paying all of your bills early or on time, don’t carry too much debt and pay off old debts which still appear on your credit report (see infographic of average household debt by clicking here).
  • Drive A Low-Profile Vehicle – While you shouldn’t aim to drive the oldest, ugliest vehicle that you can get your hands on, there’s something to be said, and money to be saved, for not driving the latest and best. If you are in the market for a new vehicle, check out a list of which ones are the most expensive to insure and try to avoid them.
  • High Deductible – Getting an auto insurance policy with a higher than normal deductible is a good way to find low auto insurance quotes. Instead of the typical $250 deductible, choose $1000 or more and then beef up your emergency fund with the money you are saving. Do make sure to keep this money tucked away in a safe, but difficult-to-get-to-place so that you aren’t tempted to spend it.
  • Drop Unnecessary Coverage – While comprehensive coverage is necessary to have, according to most state laws, you may not need collision coverage on an old car that is no longer worth very much. If you are driving an old beater while you work on getting your finances in shape, or your teen has a car that’s older than he is, you can probably drop the collision coverage without any worry.
  • Not Making Unnecessary Claims – Each time you make a claim on your auto insurance policy, you’ll cause your premiums to go up. So if you get into a minor accident where $500 will fix the damage, and you have a $250 deductible still, find the cash to cover the expense or else you’ll wind up paying for it for years to come.
The best thing you can do is to figure out what kind of policy you need, find possible discounts that you are eligible for and then compare auto insurance quotes from five to ten different insurance companies.

Since auto insurance rates are calculated based on so many factors, there’s no way to know an exact dollar amount that you can save. e.

An hour or two of work today could save you hundreds of dollars over the course of the next year. This process can even be repeated each year to continue to look for changing rates and the best discounts.

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

FREE Auto Insurance Comparison

Compare quotes from the top auto insurance companies and save!

 Secured with SHA-256 Encryption

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