Compare Auto Insurance Rates Online

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Closeup of a car key on an auto insurance policy

It’s one of those universally true sentiments — everyone hates paying for car insurance. We know that auto insurance is really important, but that doesn’t make watching the money come out of your bank account any easier. The fact is though that if you ever end up in a situation where you have to rely on your insurance, you’ll be really glad that it’s there. 


Knowing that something is required and really useful only cuts the sting so much. So finding the best coverage at the lowest possible price is essential. These days most auto insurance companies will provide you with a quote online so it’s easy to Compare Auto Insurance rates online. But how do you make sure you’re getting the best rates?


There are two main ways to help make sure you get the lowest rates when you’re comparing auto insurance rates online.

First: Know What Factors Effect Your Auto Rate

There are a lot of things that go into your individual auto insurance rate. Knowing what those are can sometimes help lower your rate. Most companies use unique algorithms to assess your risk factor based on all the data available to them. They consider factors like:


  • How Much You Drive – You may not think that the length of your commute should matter to your insurance provider, but putting fewer miles on your car each month may make for lower rates. That’s because you’re putting less wear and tear on your car and reducing your risk of an accident.

  • Where You Live – The average number of vehicle thefts and accident rates in your zip code is often one of many data sets insurance companies look at when determining your rates.

  • Your Credit Score – A good credit score signals reliability and can mean lower insurance rates.

  • Your driving history – If you have a clean driving record with no accidents and very few to no traffic citations you will likely qualify for lower rates.

  • Your age, gender, and marital status –  Weirdly enough there’s a lot of data that can tie the probability of an accident to personal factors like age and gender identity. 

  • The make, model, and year of your vehicle – This one’s pretty multi-faceted. First, if your car has a high value the cost to insure it will be more because a comprehensive payout will be higher. Second, insurers look at how drivers with the same make and model compare when it comes to filing accident claims. Lastly, your rate can be influenced by the theft rate, cost to repair, and safety features of your vehicle. 

Second: Check For All Possible Discounts

One of the best possible ways to lower your car insurance rate is through the wide range of discounts that auto insurers offer. These discounts can add up to a significant reduction in your payments. Here are some of the most common discounts offered by auto insurance companies:


  • Good Driver Discounts – these usually require you to be accident and traffic citation-free for a certain number of years.

  • Good Student Discounts – If you’re currently enrolled as a student and have a strong academic record you might be eligible for a lower rate.

  • Discounts for Bundling Your Policies – Some providers will discount your rate if you insure multiple vehicles, or bundle your home and life insurance with them.

  • Military and Veterans Discounts

By knowing what kinds of information go into factoring your rate and understanding what discounts you may qualify for you can make decisions to actively lower your auto insurance rate — like working on your credit score or buying a car that’s favorable to insurers. And remember to take all your discounts into account when you’re comparing rates online.

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