Whether you can get a cheap car insurance quote may come down to your zip code. If you live in a densely populated area, with a high number of auto insurance claims, your premium will be more expensive than that of a person living in a less dense and less claim-laden part of town. Even if you haven’t filed any claims, you could pay more based solely on your neighborhood.
Liberty Mutual actually tied Erie insurance for this category, but since we already called Erie the best overall company, we'll describe how Liberty Mutual is well known for a strong shopping experience. Customers of Liberty Mutual report in the study they were particularly satisfied with the flexibility of policies offered by Liberty Mutual, as well as their relationship with Liberty Mutual agents. If Erie is not located in your state, Liberty Mutual can be a good alternative if you can get a competitive rate.
In arriving at the relative cost of car insurance between cities in North Carolina, we obtained auto insurance quotes for our sample driver across in 112 locations in the state. The driver we used as our benchmark was a single 30 year old male to have a standard comparison across the 100+ places. Our benchmark driver owns a 2011 Toyota Camry vehicle - no renting or financing. He averages 12,000 miles a year on the road for daily commute to and from work, and in the most recent five years, have not had any accidents or traffic violations. Quotes were obtained for a policy with basic liability protection for the Camry from companies such as State Farm, GEICO, and the North Carolina Farm Bureau.
How it works: Compare’s shopping process asked me to enter the same general information that other auto comparison websites did. Entering the information was fairly straightforward. Most of the fields were drop-down menus or pre-filled based on information I had submitted on previous pages. The questions were detailed, including some about my current policy limits that required retrieving my insurance documents to answer. I did like that Compare asked if I was willing to accept paperless documents and/or e-signing
You will need to know the make, model, year and VIN (Vehicle Identification Number). An online quote form may be able to pre-fill a large portion of this information by using the VIN found on the dashboard under the windshield or your state’s vehicle registration paper work. Sometimes an insurance form may ask you to differentiate between the different models and security features.
These sites often attract your interest with competitive rates, but then transfer you to a different site to continue shopping and complete your transaction, often at a far less attractive rate. This is because lead generations sites are paid to sell your information to an agency or insurance company, not to present you with the rates on car insurance.
Beyond that, the additional coverage you requested should be listed on the quote (known in insurance-speak as the “deck” or “declarations page”), along with any deductible associated with that portion of the policy. You might also see a list of any car insurance discounts you can or already have qualified for and all the personal information you inputted, along with the make and model of your car (which is worth a scan, just to make sure everything is accurate).
Uninsured/Underinsured Motorist coverage is legally required in Virginia and pays for injury and lost wages that you or your passengers may suffer in the event that you are hit by an uninsured/underinsured driver who is at fault. The coverage limits are determined by each individual state and normally split into two categories. In Virginia, the minimum is listed as 25/50/20 and explained below:
Insurance experts suggest that you compare car insurance policies every time your current policy is up for renewal (typically every six months to a year). Before you launch your quote hunt, review your existing policy and see if your needs have changed. For example, many auto lenders will require you to have no more than a $500 deductible in comprehensive/collision coverage—but once you pay off your car loan, you can increase this deductible and save a considerable amount on your insurance premiums.
You can sometimes get auto insurance quotes on lead generation sites, but expect them to be far less reliable than quotes from comparison sites. Using lead generation sites most likely means that you’ll end up wandering from one auto insurance website to another in pursuit of the best rate, which rather defeats the purpose of using a quote-generating site at all.
Also known as AARP, The Hartford was the recipient of the 2016 J.D. Power study for car insurance companies ability to handle claims. The Hartford scored 5/5 stars for nearly every step of the claims process; from notifying them, to the repair process, and the final settlement. Those who think a smooth claims process is the most important factor for car insurance, The Hartford should definitely be considered.
A car insurance quote from The General® requires no personal information (your name, phone number, street address, etc.) to provide an accurate car insurance quote. Once you receive your anonymous auto insurance quote, there is absolutely no commitment on your part. You can save your auto insurance quote online at any point during the process and return to it at your leisure.