Finding the right car insurance can be a daunting task. With so many factors to consider, such as your age, driving history, address, and the type of car you drive, it can be difficult to know where to start. Fortunately, MoneyGeek's car insurance calculator can help you get a rough estimate of how much car insurance will cost without having to enter your personal information. This calculator can help you decide if it's time to switch car insurance companies or find the right company that fits your needs and budget. At MoneyGeek, we have created tools and calculators to help you find the right coverage for your particular situation.
USAA is known for offering the most affordable insurance overall, but they only sell coverage to active or retired members of the military and their families. If you are a homeowner, you may be able to get a package discount by buying home and auto insurance from the same company. This is one of the highest percentage discounts available. It can be difficult to find cheap car insurance rates if you have a risky driver profile or live in a state with higher coverage requirements. In addition to your state's minimum requirements, the amount of coverage you should choose depends on your budget, the value of your car, and the compensation between how much you pay in auto insurance premiums and the level of protection you want.
You may not need comprehensive and collision coverage if you are driving an older car that isn't worth much. Most drivers need what is called full-coverage car insurance, which is a policy that includes comprehensive and collision coverage. Getting multiple quotes for the same coverage options can help you find the best deal and the most affordable car insurance. There are some steps you can take to reduce your car insurance costs, such as opting for higher deductibles or taking advantage of discounts. Insurance companies routinely check your credit score to create your premium, except in California, Hawaii, Massachusetts, Michigan and Washington (effective until three years after pandemic emergency declarations), where state law prohibits credit from being a pricing factor. You don't have to provide sensitive personal information, such as your home address, email, or social security number, to get an estimate of the cost of car insurance. Although the cheapest car insurance company is different for everyone, we've compiled data on top companies to provide recommendations in your area.
The most expensive insurance protections are bodily injury liability, collision coverage, and comprehensive coverage.