Jessica Sautter is a Content Writer for CarInsuranceCompanies.com with a Bachelor’s Degree from Eastern Michigan University in Elementary Education with a Major in Reading and a Minor in Mathematics.

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Chris Harrigan has an economic degree from Limestone College and an MBA from Clemson University. He previously managed auto insurance claims for Enterprise Rent-A-Car. Currently, he is using his business and insurance expertise to provide insurance data analysis and visualizations to enhance the user experience.

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Reviewed by Chris Harrigan
Former Auto Insurance Claims Manager

UPDATED: Oct 12, 2020

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Key takeaways...

  • Many factors are considered when calculating your monthly premium
  • Not every variable determining typical car insurance quotes has to do with the driver
  • The most effective way to save money is to comparison shop online

Many drivers understandably wonder what typical car insurance quotes look like. With so many companies, it’s normal to wonder if you’re getting a good deal on your car insurance rates in the industry.

But finding the right policy isn’t as hard as it seems.  With the right tools and a little patience, it’s easy to compare quotes and find the coverage you and your family needs.

Enter your zip code above and compare car insurance quotes for FREE! Save money by comparing car insurance TODAY!

Table of Contents

How Drivers Influence Insurance Prices

There are many factors that go into typical car insurance quotes, which are related to the driver, related to the car, as well as xternal influences on premiums

Typical auto insurance quotes can vary based on many different factors, but perhaps none is as obvious as the attributes of the insured driver.

This profile includes many different details; the following are some of the most important:

  • Driving Record  Drivers with a clean record have a much easier time-saving money than those with accidents and moving violations.
  • Age  Drivers under the age of 25 and motorists over the age of 70 pay age-based surcharges on their policies.
  • Credit Score  Insurance companies commonly use credit scores as a major factor in the underwriting process.

These are just a few of the variables related to the insured driver that can impact rates for the better or worse.

To save money on your insurance, drive safely and within the limits of the law, and do your best to clean up any credit issues to improve your credit score.

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Vehicle Attributes and Auto Insurance

Not every variable determining typical car insurance quotes has to do with the driver. The attributes of the vehicle being insured are often just as important.

Of course, car insurance by car type figure prominently into premium pricing, with some cars costing more because they are more expensive to repair or replace and/or because they are more frequently stolen.

Here are some other important vehicle-related factors affecting typical car insurance quotes:

  • Safety Features  Cars equipped with passive restraint systems and next-generation airbags help reduce the risk of serious injury and thus save insurers on average medical claims.
  • Security Features  Factory-installed anti-theft systems are particularly helpful in lowering typical car insurance quotes because they reduce the risk of theft and also increase the odds of recovery when a vehicle is stolen.
  • Crash Test Ratings  Organizations such as the NHTSA and IIHS publish annual vehicle safety ratings based on extensive crash tests performed on new makes and models. High performers are cheaper to insure because they tend to cost insurers less when accident claims arise.

The specific features and characteristics of your vehicle make a big difference in the price you pay for insurance.

For this reason, it’s good to get some numbers together for online car insurance and look at typical car insurance quotes for any car you’re interested in before you buy.

Researching insurance prices is just as important as comparing monthly payments on vehicles.

Additional Factors to Consider

The insurance profile of the insured driver and the attributes of the insured vehicle are both extremely influential in determining typical car insurance quotes.

But there are also some external factors well worth considering. The following are a few of the most significant:

  • State Insurance Laws  Some states have much higher typical car insurance quotes than others because of differing state car insurance laws mandating coverage.
  • Geographic Location  Drivers living in highly populated areas tend to pay more because of the heavy traffic they deal with and the correspondingly higher risk of collision.
  • Coverage Details  Typical car insurance quotes for liability-only policies are obviously going to be much lower than those for plans featuring comprehensive, collision, uninsured/underinsured motorist coverage, etc.

There are many external factors to look at when it comes to auto insurance pricing.

The one factor that drivers have the most control over is their choice in an insurer to work with.

Comparing auto insurers makes it possible to drive down those typical car insurance quotes and locate much more affordable car insurance quotes.

Save on Typical Car Insurance Quotes

The most effective way to compare car insurance providers is to shop online.

It is possible to gather pricing information from several top-rated car insurance companies online in less time than it takes to get a single quote over the phone or at an agency.

It is tough to say what typical car insurance quotes should look like unless you examine some of the important variables that go into these quotes.

Consider what you bring to the policy as a driver, as well as the attributes of your vehicle, and think about what you can do to make it easier to save money.

The simplest way to trim auto insurance costs is to shop around, and making those typical car insurance quotes more affordable is much more manageable when you compare providers to find the best deal.

Compare insurance companies with our FREE tool search! Enter your zip code below to get started!

References:

  1. https://www.creditsesame.com/blog/credit/credit-score-range-for-experian-transunion-equifax/
  2. https://www.iii.org/article/how-can-i-save-money-auto-insurance
  3. https://www.statefarm.com/insurance/auto
  4. https://www.nhtsa.gov/
  5. https://www.progressivecommercial.com/coverages/liability/
  6. https://www.esurance.com/info/car/uninsured-and-underinsured-coverage