Of all the auto insurance companies in the country, which one is best?
It’s a trick question. If a single company offered the best auto insurance rates and customer service for everyone, the others would quickly be forced out of business.
The truth is, there may be an ideal auto insurance agency that can meet your needs and budget exactly. But that same company may not rank in the top 25 when it comes to meeting the needs of your sister, your neighbor, or your boss. That’s why Auto Protectors is here to help you compare auto insurance rates from dozens of the most respected names in the industry. When you enter your information, our site will search through our extensive database to return several nationwide auto insurance companies whose products and rates fit your situation. You decide which ones to pursue.
Comparing auto insurance agencies may not be the most exciting way to spend time online but taking a few minutes to fill out this form could save you hundreds – maybe even thousands – of dollars a year on your monthly premiums. That’s because auto insurance companies all use different metrics and formulas to determine their risks when insurance a driver. The lower the risk – based on similar but not identical factors – the better rates they can offer.
Factors Influencing Auto Insurance Rates
Auto insurance companies may offer the same driver rates that vary by $100 per month or more. Some people with tarnished driving records may not even be able to find car insurance through traditional means but obtain reasonable offers through Auto Protectors.
The auto insurance companies that work with Auto Protectors will offer you their best auto insurance rates based on several factors:
- Your age and gender
- Your marital status
- Where you live
- Whether you own your home
- The number of moving violations you have committed and accidents you have been involved in
- Your car’s make, model, and age
- The safety features installed on your vehicle
- The number of damage claims you have filed
- The type of coverage you want
With all these variables in play, you owe it to yourself to check here often, especially if your situation changes. So if you don’t find a better rate or the exact coverage you want today, try again after you’ve gone a few weeks without an accident or speeding ticket, you get married, reach a milestone birthday, or trade vehicles.
Auto insurance agencies offer a variety of policies geared toward potential customers with a variety of coverage needs. In addition, each state may require different levels of insurance, so where you live can play a large role in how much you will pay. Of course, the events that your insurance covers and the maximum it will pay should those events occur also will influence the amount you have to pay. To make the best coverage selection and get the most value from Auto Protectors’ service, decide on what insurance you “must have,” what you would “like to have,” and what you can “do without.” Then come up with the range of payments you feel you can make comfortably. Target the auto insurance companies that can provide your must-haves and as many of your nice-to-haves as possible while staying in your price range.
Start with the must-haves, which include the minimum coverage prescribed by the law in your state.
Every state requires all drivers to carry liability insurance. This insurance will pay other people if they are injured or their property is damaged in an accident that you cause. Personal injury liability often is broken into two sections: the maximum the insurance will pay per injured person and the maximum per accident (usually twice the per-person benefit). Causing a major accident with multiple people hurt or serious injuries quickly can obliterate these maximums, leaving you liable to cover the rest. Of course, you can obtain coverage well over the minimum legal requirement, which will add to your premium.
Many states require you to carry additional coverage that will pay for injuries or property damage you incur when another driver who does not have adequate insurance causes an accident. For instance, if another driver hits your car and your medical bills total $30,000 but the other driver carries only $35,000 in liability insurance, your uninsured motorist policy would pay the additional $5,000. In states that don’t require it, uninsured motorist protection would fall under nice-to-have or do-without.
Other coverage and the monetary maximums also fall under these latter categories and pay for your losses when you are at fault in an accident.
This coverage pays for damage to your vehicle if you hit another car, building, obstacle, or even a pothole.
Comprehensive insurance covers damage caused by just about anything else, including hail, fire, earthquake, rockslide, pothole, animal, thief, and vandal.
Medical coverage pays for some healthcare bills as well as funeral expenses your family may incur in an accident.
Insurance is a trade-off between known costs and the potential for much higher unknown costs. Higher limits increase your known cost – your premium payment – but reduce the risk and extent of out-of-pocket costs if you cause an accident. Lower limits have the opposite effect.
Keeping Costs Down
No matter which of the reputable companies you choose after you compare auto insurance rates on Auto Protectors, there are several steps you can take to reduce your rates. Installing an anti-theft device on your cars, for instance, will lower the cost of your comprehensive policy. Taking a defensive driving course can erase some of the “points” on your license, making you less of a risk in the eyes of auto insurance companies.