What is the best car insurance for me?
The two factors that will determine the best car insurance for you are the amount of coverage offered by the policy and the cost of the auto insurance premiums. You will have to look at insurance quotes, coverage options, and perks and discounts offered by each insurance provider to determine the best auto insurance policy for you. Start comparing quotes here for free with our comparison tool below.
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UPDATED: Nov 17, 2020
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The two factors that will determine the best car insurance for you, your family or your business are the price of the insurance policy and the coverage provided by the insurance policy. Try our FREE quote comparison tool today to find the coverage you need! Additionally, there may be other perks unique to each insurance provider that may swing the scale in one direction or another such as the Progressive good driving sensor, the Liberty Mutual “better car replacement,” or the Nationwide “vanishing deductible.”
You will have to look at the car insurance price quotes, coverage and perks offered by each insurance provider to determine the best car insurance policy for you.
The tough part about figuring out your ideal car insurance policy is that one size most definitely does not fit all. Car insurance company risk calculators are all different, and they are all highly convoluted, based on varying information including your income, car type, location and driving habits.
One car insurance company may weigh one category heavily than another. Still others judge you more based on demographic statistics. There isn’t a linear progression of inexpensive to expensive and associated coverage quality for insurance companies. Instead, you need to find a car insurance policy that matches your unique niche.
The best way to do this is to compare car insurance rates instantly. Just use our FREE comparison tool to send your information to many different insurance companies in your area! You will receive a list of insurance policies with different prices, coverage amounts, coverage types and perks, which you can then browse to determine the best choice for you. Comparing insurance policies is the first step toward choosing which one is the best for you.
Once You’ve Compared: How To Judge
Just because you have a list of car insurance policies doesn’t mean you know what it all means. If you want the best insurance policy, you need to know your price range, your policy needs and the perks that might be available.
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Establishing a price range is the easiest way to judge an insurance policy. However, keep in mind that different areas may have different prices, so if you’ve moved recently, you may need to rethink your notion of what constitutes a cheap or mid-range auto insurance price.
Use our comparison tool in your current location and compare it to a reading from your past location to determine the jump in price.
Judge the best car insurance price for you by making a budget and seeing how much you can afford to spend on car insurance. You at least need to buy bare-bones auto insurance to drive legally. Everything else is determined by what level of coverage you wish to buy.
There are many different types of auto insurance coverage, some of which are more expensive than others. You need to be informed about the different coverage types available to decide which is the best for you and your family. You will have to balance the coverage’s cost with the coverage’s benefits.
Liability Limits: Most states’ minimum liability limits are enough to cover most accident expenses. Iif you are concerned about major accidents, you may want to raise the limits of liability coverage on your policy.
This is a moderate expense, and many people do not pay for extra liability costs. However, if you have an expensive vehicle, you may want to protect it with increased liability coverage.
Comprehensive Insurance: This coverage type is moderately to highly expensive. It will pay for any damage to your car caused by weather, theft or vandalism. If you are caught in a hail storm, if flooding damages your vehicle, or if it is stolen from any location, comprehensive coverage will pay for repairs or will pay a cash balance based on its Blue Book value.
Many families believe that comprehensive coverage is an essential, non-negotiable part of car insurance, but it is often cut by people trying to save on car insurance.
Collision Insurance: Commonly purchased by people with children or new drivers who are cautious about the road, collision insurance pays for any damage caused to your vehicle if you hit inanimate objects like fence posts or highway dividers.
People who have a lot of experience driving often eschew collision insurance, as it is a moderate additional cost. It is more commonly claimed by inexperienced drivers.
Uninsured/Underinsured Motorist Coverage: A light to moderate additional cost, Uninsured Motorist Coverage (UMC) is purchased by many drivers, especially in areas where insurance is already quite expensive. If you get into an accident with an uninsured driver, they may either hit and run, or they may simply not be able to pay for repairs.
In this case, UMC is necessary to avoid having to pay for your car out of pocket. Because it is a moderate additional cost, if you are already paying a lot for car insurance, it is generally a good purchase. Keep in mind that areas with high premiums tend to be the areas where people try to get away with driving without insurance.
Personal Injury Protection: Liability coverage does not always cover every medical expense. Certain expenses like lost wages, loss of service care or funeral expenses may require additional insurance protection.
Many states require drivers to have Personal Injury Protection (PIP), but this is also commonly purchased even when it is optional. PIP is moderately to highly expensive, but its benefits can mean the difference between focusing solely on recovery in the event of an accident and dividing your worries between your body and your finances.
Some perks are tangible such as certain company-specific policies or procedures, while others involve intangible benefits like great customer service, prompt claim settlement and agents who go above and beyond to fix any problems that you might have.
You shouldn’t choose an insurance company solely based on its perks, but if you are trying to decide between a few policy choices, looking up the company’s perks may be the best way to make a final choice.
Our comparison tool unfortunately does not provide much information about either the tangible or intangible perks of insurance companies.
You can learn about perks by:
- Looking for the company on the Better Business Bureau
- Reading online reviews of the company by current or former customers
- Visiting the company’s website and reading a FAQ or other “About” tab
- Calling the company to judge its level of helpfulness and customer service
- Asking friends who might have enjoyed an insurance policy with the company
Sometimes, intangible perks may make all the difference. Some drivers may want to see what a safe driver discount feels like, while others might enjoy the comfort of knowing that there’s a procedure in place to get a new car if the current one is totaled in an accident.
Compare insurance policies right now and judge them today! Just enter your ZIP code into our FREE comparison tool to begin. It’s as simple as filling out a few forms and as quick as 5-10 minutes. You’ll be on the road to car insurance savings in no time!