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Vehicle Insurance / Auto Insurance

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What is car insurance and how does it work?

Types of car insurance coverage

Essential coverage: The foundation of your protection

Vehicle protection: Covering damages to your car

Optional add-ons for broader coverage

What is full-coverage car insurance?

How much car insurance do I need?

  • State requirements: Minimum liability coverage varies by state
  • Vehicle age: Newer cars may require more protection than older ones.
  • Driving habits and locations: Frequent driving or high-traffic areas may need more coverage. 
  • Storage and personal finances: Garaged cars are safer, and your financial ability to cover potential losses matters. 
  • Household drivers: More drivers on your policy increase your liability exposure.

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We’ll help you find a policy that fits your budget and provides the coverage you need.

Factors that affect car insurance rates

  • Driving record: A clean history with no accidents or tickets can lead to lower rates, while past violations or claims may increase costs. See how speeding tickets impact your insurance. If you’ve been in an accident, check out our 12 helpful tips to minimize premium hikes and learn how much car insurance increases after an accident.
  • Age and gender: Younger, less experienced drivers typically pay more, though some states are moving away from gender-based pricing.
  • Location: High-traffic areas, crime rates, and severe weather risks can drive up premiums.
  • Vehicle type: Safety ratings, repair costs, and the likelihood of theft affect how much you pay.
  • Mileage and usage: More time on the road increases accident risk, leading to higher rates.
  • Credit score: In many states, good credit can help lower your premium.
  • Coverage and deductibles: Higher coverage limits and lower deductibles mean higher premiums but more protection.
  • Marital status: Married drivers often receive lower rates based on accident statistics.
  • Claims history: Frequent claims can label you as a higher-risk driver.
  • Driving habits: Some insurers offer discounts for safe driving through usage-based programs.

What does car insurance not cover?

What is a car insurance deductible?

How often should I requote my car insurance?

  • After a life change: Events like getting married, having a baby, moving, or adding a new driver can impact your rates. Be sure to update your policy after these milestones. 
  • After getting a new car: New or leased cars may require different coverage types or higher premiums. 
  • When you pay off your car: You might not need comprehensive or collision coverage on an older vehicle once it’s paid off. 
  • If your driving habits change: Whether you’re driving less due to retirement or have a longer commute, your driving habits affect your premiums. 
  • If you become eligible for discounts: New discounts may apply for safe driving, bundling, or installing safety features in your car. 
  • If your credit score improves: A higher credit score can often lower your premiums. 
  • If your insurer raises your rates: If your premiums increase without explanation, it’s time to shop around for a better deal. 
  • When your insurer’s reputation changes: If their customer service or claims process has declined, it may be time to explore other options. 
  • When there are changes in the law: If your state changes its insurance requirements, make sure your policy reflects the new regulations.

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Auto insurance simplified

We’ll help you find a policy that fits your budget and provides the coverage you need.

Information you need to get car insurance quotes

  • Personal information: Be ready to provide your full name, date of birth, address, and contact details. 
  • Driver’s license: Have a copy of your valid driver’s license for verification. 
  • Vehicle information: Gather your vehicle’s make, model, year, VIN (Vehicle Identification Number), and current mileage. 
  • Vehicle registration: Keep a copy of your vehicle’s registration handy. 
  • Driving history: Be prepared to discuss your driving history, including any past accidents or violations. Honesty is key, as this will show up in your records. 
  • Current policy information: If you’re switching providers, have your current policy details ready, including your provider’s name and account number. 
  • Financial information: You may be asked about your financial situation, including income and assets, as it can influence your coverage options. 
  • Additional drivers: If other drivers in your household will be covered, gather their details too. 
  • Special circumstances: Be prepared to discuss any unique factors, like a teenage driver or a history of claims, that may affect your insurance needs.

Why should I get insurance quotes through a broker?

  • We do the heavy lifting: Our team handles everything from researching the best insurance companies to negotiating rates and policy details. You don’t have to spend hours shopping around or navigating complicated terms.
  • Exclusive discounts: By working with us, you gain access to discounts not available to the general public, potentially saving you money while getting the coverage you need.
  • Personalized guidance: We understand that every driver’s needs are different. Whether it’s finding the right level of coverage or identifying potential gaps, like roadside assistance or rental reimbursement, we’ll help ensure you’re fully protected.
  • Quick and simple process: Share your basic details with us, and we’ll present the best options. We work with you to fine-tune the coverage, premiums, and deductibles until you find the best option for your needs.
  • We’re here for the long haul: Our commitment goes beyond just finding great rates. We help you understand your options, adjust coverage limits, and make informed decisions so you can feel confident in your choice. 

AUTO INSIGHTS

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Getting car insurance is quick and easy when you let us do the comparison shopping. We’ll guide you through the process and help ensure your car is protected with the right coverage.