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Compare car insurance rates to get the best price for the right coverage.
The cost of auto insurance varies greatly depending on the insurance company you choose. Shopping around can be a chore, but it could save you hundreds of dollars a year on auto insurance.
Save yourself the hassle and enter your zip code above to get instant quotes on car insurance rates.
Conveniently Compare Car Insurance Rates With EINSURANCE
The cost of auto insurance generally goes up each year, but it can also fall. Insurance companies often change their rates, and it pays to do your homework if you want to find the best rates possible.
To compare car insurance, it’s best to get at least three quotes for similar insurance policies because each insurer has a slightly different risk assessment approach. Additionally, one company may offer discounts on the price that another does not.
EINSURANCE makes it easier than ever to compare car insurance online. All you need to do is fill out your ZIP code in the box below and click a few buttons. Please make sure that you have pop-ups enabled in your browser; otherwise, it may block our application.
Before you get started, have the following information ready to compare auto insurance quotes:
- Vehicle information – year, make, model, VIN (Vehicle Identification Number). Insurance companies will calculate the price based on the unique features of different models.
- Current auto insurance – this includes the dates of coverage and the type of coverage you have.
- Personal information – name, birthdate, gender, email address, home address, phone number, social security number, driver’s license number, occupation, marital status, homeowner status (so you can get a discount if you decide to bundle insurance products)
- Driving history – if you’ve had any accidents, tickets, or DUIs.
- Driving habits – how often you drive and the distance (i.e. commute to work, cross-country business trips, etc.). You can use Google Maps to figure out your daily commute distance.
Understanding Car Insurance Coverage
The bare minimum coverage, known as liability-only car insurance, does not pay for damage to your car or injuries you suffer while behind the wheel. It does cover damage or injuries to other people caused by the crash.
Policies that offer “full coverage” will cover liability plus injuries you suffer and damage to your vehicle. It is usually a combination of collision and comprehensive coverage.
Collision insurance pays for:
- Damage to your vehicle if you hit another person or object (fences, guardrails, poles, or potholes).
- Damage to your vehicle if someone else hits you. If this happens, you also can file a claim with the other driver’s liability insurance.
Comprehensive insurance pays for the value of your car if it was stolen and not recovered. It also covers damages from:
- Fires, riots, explosions, and vandalism
- Falling objects such as a tree limb
- Debris from the road like a rock hitting your windshield
- Natural disasters like storms, hail, floods, wind, lightning, and earthquakes
- Hitting an animal
There are other additional types of coverage that you can purchase. Medical payments coverage (medpay) helps pay for medical costs related to the accident no matter who is responsible. Medical payment coverage is strictly for medical bills and doesn’t help you recover lost wages from missed work.
Personal injury protection insurance goes a step further. It will help you cover medical costs, as well as lost wages for you and your passengers after an accident. No matter what type of coverage you choose, make sure to compare auto insurance quotes for the same type and amount of coverage to get the best rates.
Liability Car Insurance Coverage Levels Explained
Liability auto insurance provides a financial safety net if you are involved in an accident. It covers medical expenses, lost wages for injuries, and property damage.
Accidents can take a serious toll on your assets. Bills related to injuries and damages from major accidents can easily cost hundreds of thousands of dollars. If you don’t have enough coverage, you may end up paying large sums out of pocket.
Liability coverage limits are expressed with three numbers. These numbers describe individual injuries/total injuries/property damage. Typical policies range from 50/100/50 up to 250/500/250.
If you had a policy with a limit of 250/500/250, it means the limit is:
- $250,000 per person you injure for bodily injuries
- $500,000 total bodily injuries that you cause
- $250,000 for property damage you cause, including vehicles, buildings, and objects like street signs or mailboxes.
When you choose liability insurance, ensure that the highest number (total injuries limit) is greater than or equal to your total asset plus your total savings. Having more liability coverage can keep your savings, home, and assets safe if the worst happened.
Individual Factors to Consider Before You Compare Auto Insurance Rates
When you are comparing car insurance rates, you will notice that several factors determine your auto insurance total costs, including your ZIP code, age, marital status, driving history, vehicle (year, brand, and model), and annual mileage. In most states, insurers also base your rates on gender and credit history.
Under the age of 24
If you are under the age of 24, you may be eligible for big discounts. Full-time students with good grades (3.0 GPA or better) can save up to 15% on their premiums. You should also know that drivers’ education courses like defensive driving courses can get you discounts on most coverage types. For more tips on saving money, take a look at Young Drivers Car Insurance or Cheap Car Insurance for a Young Driver.
Around the age of 25
Insurance companies found out that drivers around 25 years old are more prone to accidents than older drivers. The average cost of insurance for drivers who are 25 varies dramatically from state to state.
Above 40 Years Old
Drivers’ around the age of 40 are in a prime position for savings. Forty-somethings generally get the cheapest auto insurance rates out of any age group. Keep in mind that rates will still vary based on the insurance company.
Drivers with a DUI on The Record
DUIs can drive up the cost of your insurance by 75% or more. A DUI will hike up your insurance rates for 3 to 10 years, so it’s a good idea to shop around for the best rates after you get one. The amount you pay will depend on the state you live in. States like California, Michigan, and Hawaii have much steeper increases than other states.
Drivers with Bad Credit History
In some states like Massachusetts and California, it’s illegal for insurance companies to use your credit as a factor to calculate auto insurance rates. In most cases, credit history is one of the most important factors that insurance companies consider.
Drivers with Speeding Tickets
Speeding tickets also cause auto insurance rates to go up—usually by around 25%. Tickets can stay on your record for 1 to 3 years. Learn how to clear your driving record and save on insurance.
Drivers with an Accident On the Record
If you have an accident on your record, you need to compare car insurance rates to get the most savings regularly. You should do this one year, three years, and five years after the accident. Some states will set limits on how much an insurer can increase your rates after an accident. During the process of auto insurance quote comparison, remember that companies with the cheapest rates may not offer the best prices for those with at-fault accidents.
Criteria You Can Use to Compare Insurance Companies and Policies
There’s a lot to consider when you are choosing auto insurance. You’ll want to look at the coverage, price, and the company’s reputation. Here are some helpful criteria you can use to find the coverage you need at the best price.
Product and Coverage Options – see if the insurance company offers discounts for bundling.
Purchase Management Options – most major insurance companies will let you purchase a policy online or by phone. While online quoting is available 24/7, phone service may be limited to business hours.
Discounts – most insurers will give safe drivers and those who bundle their insurance discounts. Companies will offer the most variable discount rates when trying to market their products to acquire new customers.
For example, veterans may receive special discounts on premiums, or a company may try to poach a competitor’s clients offering discounts if you switch over before your policy expires. Visit the car insurance discounts page to learn more.
Customer Service Track Record – sometimes, it’s not in your best interest to choose the cheapest rates. You may be sacrificing customer service benefits like 24-hour helplines or claims tracking. It’s important to review the insurer’s history and company policy.
Financial Strength – Financial strength ratings (FSR) grade an insurance company’s ability to meet its contractual obligations. Insurers with strong FSRs are more likely to handle your needs, especially in the event of a natural disaster or economic emergency. A.M. Best is a trusted resource you can use to check the FSR of an insurance company.
Car Insurance Requirements in Your State
Some states require drivers to carry personal injury protection (PIP), medical payments coverage (medpay), or uninsured/underinsured motorist coverage. Check Auto Insurance State Guide. You may only be required to have 2 of the 3.
States that require this, like New York, are known as “no-fault” states because each driver involved in an accident must claim to their own insurance company. After the PIP or medpay limit has been reached, the at-fault driver’s liability insurance kicks in to cover the rest.
Frequently Asked Questions
What’s the best way to compare car insurance online?
With a car insurance comparison site like EINSURANCE, you can find all the information you need to make an informed decision about your insurance.
How can I find car insurance quotes from multiple companies at once?
EINSURANCE comprehensive car insurance comparison site makes it easy to get instant quotes from multiple companies at once. We are an independent comparison company that acts as your trusted partner for all your insurance needs.
How often should I compare auto insurance rates?
It will help if you compare car insurance quotes at least once a year. If you recently got a ticket, are planning to move out of state, or have had a recent at-fault accident—you may be able to save money if you shop around. Visit why you should shop for car insurance every 6 months to learn more.
Can an auto insurance rate change based on gender?
Certain states like Hawaii, Massachusetts, Montana, and North Carolina forbid the practice of using gender to calculate rates. In some states, women pay more than men for insurance. However, it’s the opposite for young adults—young men will pay more than young women.
Is auto insurance cheaper for homeowners?
Yes. Homeowners can get discounts on their policy by bundling, while some companies offer discounts just for owning a home. Visit the best home and auto insurance bundles to learn more.
Do I need to compare car insurance quotes if I move out of state?
Anytime you move to a new location, it’s a good idea to compare auto insurance rates, even if you aren’t moving out of state.
Easily Compare Car Insurance Quotes With EINSURANCE
We are the #1 auto insurance quote comparison site on the web. For over 25 years, we have been a trusted source of information for all your insurance-related needs. Find a comprehensive car insurance comparison through our website today.
Get real, accurate, and cheap auto insurance quotes in one place—without having to fill out confusing, time-consuming application forms. All you need is some basic information about yourself and your driving history. To get a quote, fill out your ZIP code below and click “Get A Quote” to start.
