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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Written by

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: Sep 30, 2020

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Key takeaways...

  • Car insurance rates vary depending on where you live and your driving history
  • Men usually have higher car insurance premiums for women drivers
  • Low mileage drivers especially can take advantage of big discounts

Car insurance rates vary from one car insurance company to another, however, there are many factors which all car insurance companies use to assess risk.

The exact value of these items pertaining to your unique car insurance quote will be different from one provider to the next but they all do play a factor no matter which auto insurance company you choose.

Car insurance is based on risk and insurance companies have very advanced, complex formulas for calculating risk pertaining to individual drivers.

Compare car insurance now! Enter your zip code above to get started for FREE!

Table of Contents

Your Driving Record Matters

The process involves everything from your personal driving record to the make of the insured vehicle to even the zip code of your residence.

When shopping for car insurance you have probably heard some basic generalized comments and most are true such as:

  • Men usually have higher car insurance premiums for women drivers.
  • Older drivers (over 70) and young drivers (under 25) tend to have higher rates than those drivers aged in-between
  • Sports cars always have higher premiums than family cars
  • The more populated your area of residence the higher your rates

Although many statements like this exist about car insurance there are still ways to take advantage of lower car insurance rates by learning about car insurance discounts.

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How to Find the Best Car Insurance Rates

Even when a consumer has high risk in one or two of these categories its possible to offset car insurance premiums by 10, 20 or even 50 percent or more just by learning about car insurance discounts.

Low mileage drivers especially can take advantage of BIG discounts.

The easiest way to find the best auto insurance rates is to use online comparison tools to compare car insurance quotes.

This process is pretty key in your search but you need to compare apples to apples and this is where most consumers fail.

You should never shop for car insurance until you at least understand the types of coverage, what policy limits are, how state minimum car insurance requirements are very low and the possible car insurance discounts available

We have a guide here to help you fast track some basic education however always consult a licensed car insurance agent for particulars.

Older drivers generally understand or have a fair expectation of how much car insurance costs but younger drivers love to purchase a fancy car then ask about car insurance.

Cheap Insurance is Not Good Insurance

True. Although many car insurance companies offer cheap car insurance policies do you really want insurance coverage to be cheap?

The true test of car insurance is when it comes to submitting a claim so you need to secure coverage from a reliable provider with reasonable limits of coverage at affordable premium

Forget about the word cheap – save this for your next trip to a flea market.

The online car insurance quote comparison is a big business and most car insurance companies can be accessed through our database so simply enter your zip code below to start car insurance comparison online today!

References:

  1. https://www.nationwide.com/auto-quote.jsp
  2. https://en.wikipedia.org/wiki/Sports_car
  3. https://www.geico.com/save/discounts/car-insurance-discounts/
  4. https://www.progressive.com/answers/average-car-insurance-cost/