Companies below negotiate better rates than if you shop directly
What is the most important part of auto insurance?
The most important coverage has to be your state's minimum liability and property damage coverage
What determines your auto insurance rate?
Shopping for car insurance is challenging because there is no best provider concept. Each provider offers a better experience and deal for a different kind of driver. This is why two people can apply to the same provider and get completely different price ranges. Your insurance rates depend on many factors, such as age, driving record, credit score, type of vehicle and location.
Your vehicle is the biggest factor in your insurance
Some insurance providers are better for certain types of vehicles. If you have a large truck or a luxury vehicle it would be more expensive to replace therefore more expensive to insure. Also, your location plays a big role, some providers, such as Tennessee Farmers are better for a 2017 Audi R8, while a 2015 model would be better with Progressive.
Location is the second biggest factor in the equation
Geographic concerns play a large factor in how insurance providers determine their rates. For example, in states where hail and flooding are common you’ll see a major increase in automobile insurance rates. Also, cities with crowded populations, such as Los Angeles, result in common accidents leading to 20% higher rates than the national average. Each insurance provider evaluates these risks differently and you’ll see rates that will commonly vary by more than 200%.