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UPDATED: Mar 13, 2020
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Are you wondering if you are overpaying on your auto insurance coverage? You may be inclined to consider what the lowest average car insurance quote is today. Your FREE car insurance comparison can be viewed by putting in your ZIP code above!
What are generally the cheapest cars to insure? The most affordable 2011 model to insure is the Chrysler Town and Country LX, which has an annual premium cost of about $1,092. See what your annual premium will be by using our FREE car insurance search tool.
Some other more affordable 2011 models to insure include the Toyota Sienna 4 cylinder and LE model, the Honda Odyssey LX, the Nissan Murano SL, and the Jeep Wrangler Unlimited Sport. These models all have an average annual insurance premium cost under $1,200 per year.
Are You Paying Too Much?
If you are comparing those prices against your own auto insurance premium amount today and are finding that you pay significantly higher than these figures, you may be wondering if you are paying too much for coverage.
Auto insurance rates are calculated through a complex analysis on various factors, and no one insurance companies uses the same analytical system. This means that if you want to know if you are over-paying on your coverage, you have to compare car insurance quotes.
How to Get Quotes
The fact is that getting one or two quotes really won’t provide you with a comprehensive answer to your question of whether you are paying too much for coverage or not.
The only way to really know for certain what your lowest auto insurance quote will be is to shop around for coverage quotes to many different insurance companies. You can use a price comparison website online to enjoy a fast and simple way to get the quotes you need.
Explaining the Variation in Quotes
After you have taken your time to get a few different quotes from different insurance companies today using a price comparison website, you may find that there is a fairly large variation between your highest and lowest quotes.
This difference reflects the difference in how each insurance company analyzes various data for its rate calculations. If you are looking for ways to cut down on your coverage costs now or in the future, understanding more about these points is critical.
When you view the lowest 2011 models to insure mentioned above, you may have noticed that these cars are all have the same level of sales price, have a low horsepower engine, and are roughly the same size.
The fact is that the characteristics of a car do have a lot to do with the cost of your coverage, and if you want to get the lowest price coverage available, you do want to keep in mind key points about your vehicle the next time you go car shopping. The lowest priced cars to insure are those that:
- have a lower repair cost
- have a lower total value
- have a lower horsepower engine
- have built-in safety features like anti-lock brakes and air bags
- are less desirable for vehicle thieves to steal
- As you might imagine, the cars mentioned earlier are just a few of the many models that fit these criteria.
The car you drive is perhaps the factor associated with insurance rate calculations that you have the most control over, but other factors do contribute to insurance rate calculations, too. Another factor that is analyzed for each rate quote is your location. Generally, insurance companies use demographic data for your zip code to look at factors like:
- the population in your zip code
- the crime rate associated with vehicles
- the average age of drivers
So the next time you are considering moving, take time to contact your insurance agent for quotes based on several different zip codes you are considering living in.
Your Driving Data
Another factor that will affect insurance rate quotes today is your driving data. This includes some factors that you cannot change, like your age and gender. However, it will also include other factors like your marital status and your driving record.
While some insurance companies do not consider marital status, others do provide you with a discount on rate for being married. Further, in general, safe drivers who do not have citations or accidents on their driving history will receive lower rates.
If your driving record is less than flawless right now, keep in mind that with each passing year that you remain accident-free and citation-free, you may see rates decrease. It’s never too late to start driving more safely to save money on your rates.
Putting It All Together
If you are like many people who learn that the lowest average insurance quote of $1,092 per year is for the 2011 Chrysler Town and Country LX, you may be surprised at just how much lower that rate quote is from the rate quotes you are receiving.
If you are trying to find ways to save on your coverage, you can consider the factors mentioned here. Trading in your vehicle or moving to an apartment down the road when your lease is up may result in significant savings to your premium.
Also keep in mind that demographic data for your zip code will change regularly, as will your driving history and age. So it pays to continue to shop for rates every six to twelve months. Now that you know more about how insurance rates are calculated as well as how easy it is to use a price comparison website to shop for rates, you can take steps to lower our premium by adjusting some of the factors mentioned here.
Shopping for coverage regularly is also a great way to ensure that you are always paying the lowest rate possible for coverage, as many of these factors do change with time. Check what your car insurance quote will be for FREE by using our ZIP code tool!