Best Place To Compare Car Insurance
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No one is really excited about car insurance. It costs a lot, you never get all the coverage you want, and it’s mandatory. Even if you don’t want to take the time to understand your car insurance, it’s important that you do. You need to know what you’re paying for, what you’re paying for, and how you can help in the event of an accident.
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Our guide is here to make it easy. We’ll discuss the different types of auto insurance, where to find it, how to read your policy, and more.
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The most popular type of car insurance, comprehensive coverage covers you in the following situations:
As you can see, some important things are missing, such as collision damage coverage and medical bills you may incur from the accident.
That’s because even though it’s called “comprehensive,” comprehensive insurance won’t cover everything and you’ll need to add some other type of insurance (see below) to your policy.
The cost of comprehensive insurance depends on many factors (age, driving record, your car, etc.), however, you can find the average for your state using insurance.com.
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Liability coverage covers the costs incurred when you cause an accident and pays for the medical bills and other expenses incurred by your accident victim.
The cost of liability insurance, like any other auto insurance, varies due to many factors. But PoliticGenius found an average of all 50 states. Here are some:
Collision insurance is just that – you are covered if your car collides with another car or object and you need your car repaired or replaced.
This is the most expensive auto insurance policy. If you look at the other charts in the comprehensive insurance section, you’ll see several examples of high collision insurance costs.
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While comprehensive insurance, on average, is only $80 in my state, the average collision is $408 per year.
Uninsured/underinsured insurance is a supplement to your normal policy. This includes you if you are in an accident with someone who does not have insurance or does not have insurance that will cover the damage to your vehicle.
Being uninsured is definitely one of the cheaper additions to car insurance. ValuePenguin presents the averages for the most expensive state (Mass.) and the least expensive state (Oklahoma):
Even Oklahoma, which has a large number of uninsured drivers (hence high costs), costs only $41 per year for the lowest coverage.
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Gap insurance is for people who lease a car, or who have taken out a loan to pay for a car. If your car is totaled or stolen, Gap Insurance will pay the difference (or difference) between the amount you owe and the value of your car. For example, let’s say you owe $10,000 on a car that’s worth $8,500. If your car is hit and the cost to repair the damage is $9,000, the insurance company will consider your car “totaled” and pay. The value of the car, or $8,500. This will leave you on the hook for the $1,500 you still owe the financing company.
Gap insurance is one of the cheapest types of auto insurance, usually just a few dollars a month! It’s worth considering that you owe more than the car is worth.
Your premium is how much you will pay for the type of policy you choose (ie comprehensive, collision, liability, etc.). This is one of the most important factors when deciding on car insurance.
Reputable auto insurance companies often have similar premiums for the same plan and vary by only a few dollars. That’s why we recommend using an insurance aggregator that can show all your premiums in one place. Compare.com is our favorite (more on that below).
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Although some companies have higher premiums, if you qualify for a discount, it won’t matter much.
For example, I use Allstate, which is often cheaper than other car insurance. However, I received six rebates that reduced my monthly expenses by about $30.
Like health insurance deductibles, auto insurance deductibles are the amount you pay after an accident. The insurance company pays the rest.
Unlike health insurance, you cannot reach your deductible where the insurance company pays for everything you do. You must pay the deductible each time you make a claim.
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Deductibles usually come with comprehensive and collision insurance. If you increase your deductible, you will lower your monthly payment. But that means you’ll pay more in the event of an accident.
Many people get comprehensive car insurance thinking that it will cover every instance. Then, after the accident, she found she had to pay for a new car and medical bills. This is frustrating, and not something you want to deal with when recovering from an accident.
Compare.com is an insurance aggregator that shows all your rates in one place. They should be your first stop when looking for insurance because it doesn’t get any easier than Compare.com.
All you have to do is enter your zip code. You can then choose to get a quote or simply view a list of all insurance companies in your area.
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Compare.com is free, so there’s no harm in using it to see if you can save on car insurance.
Policygenius works like Compare.com. You answer a few basic questions and you’ll get quotes from multiple companies in one place.
In my experience, comparison is better than policy genius. I originally got a quote from Compare when PolicyGenius said it would email me a quote and never did.
Insurify is another insurance aggregator that shows all your quotes in one place. They also display all available discounts in one place, making it easy to compare apples to apples.
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Allstate is a big name in auto insurance. They are proud to be part of the community, and often have local representatives they can talk to face-to-face. I use Allstate and have since I was 17 and first got insurance.
Allstate is often one of the more expensive insurance companies, but the discounts more than make up for it.
Everyone knows GEICO for its advertising. However, they are one of the more expensive car insurance companies, even though they think they are affordable.
Where they shine is their bundling (combining different types of insurance – home, auto – into one package). You’ll get lower rates if you have different types of insurance through GEICO.
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Also, if you want an insurance company that makes its site and app super easy to use, GEICO is for you.
Metromile is for people who don’t drive often. This is pay-per-mile insurance with low rates starting at just $29. You will then pay per mile.
How to Switch Car Insurance Companies Step 1: Check your policy to see what you have.
This is the most difficult step in the whole process. To help explain how to read your policy, I’m using my policy from Allstate as an example.
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: I have a weird policy because I’m between cars. To keep my homeowners insurance, I need a replacement policy after I sell my car. As a result, my agent suggested that I get a policy for a car that had spent most of the year sitting in a garage.
Let’s start with the premium. The premium is how much you will pay for the policy you choose. Allstate allows me to choose whether I want to pay in full or monthly.
Again, since I now have a different insurance policy, it doesn’t matter which one I choose, because they are only a few cents less. But in the past, the full-payment discount was significant — about $100.
The policy term is how long you have the policy. Typically, your policy will last for one year. If you look at the right column of my policy you will see how long my policy is.
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This is the fun part of your politics. This is why you want to make important comparisons when choosing an auto insurance company. Most car insurance companies expect the discounts offered. I am fortunate enough to work with a company that automatically applies the discounts I receive.
Now we come to the stringency of the policy. I have a minimum policy, so I’m not the best example, but I’ll work with what I want.
Allstate makes it easy to see what coverage I have. I only have liability insurance, which includes:
This is for a liability policy, meaning it only applies to the other car involved in the accident. I need to purchase additional insurance to cover my vehicle.
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What you need is up to you. Once you know what you’re looking for, that’s it
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