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How do I compare car insurance?
Make sure you’re comparing equivalent features to get the strongest insurance rates.
- Balance the best coverage with the cheapest rates. Consider all the factors like discounts you qualify for, how easy it is to make a claim or whether preferred perks cost extra.
- Compare apples to apples. Check for the same perks, coverage, deductible and pay schedule across companies.
- Get multiple quotes. Consider at least two or three of the cheapest quotes, including quotes from national companies, local providers or specialized insurers.
- Get online quotes for an idea of features and costs. These give an estimate of how much you’ll pay, plus included features, perks and discounts. Then, you can sign up online or get in touch with an agent.
- Watch for exclusions. Read the fine print on your car insurance quote to avoid claim caveats or cancellation fees.
- Check ratings and reviews. Use sites like J.D. Power, the Better Business Bureau (BBB) and Trustpilot to see a company’s customer service and claims ratings.
- Classic or custom car? Try specialized insurers. Not all insurers cover all specialty or luxury vehicles. You can find companies that specialize in vintage, custom or commercial car policies.
How much does car insurance cost?
The average cost of car insurance is $1,300 a year or $108 a month, but rates vary depending on your car’s make, model and year, driving record, location, age, credit score and other factors.
For example, expect higher insurance rates if you live in a high-claims area, like a big city or an area with a high rate of uninsured drivers or car theft.
Paying for your car insurance policy
You typically pay your premiums monthly, yearly or every six months. Insurance companies may accept electronic transfers, credit cards or checks.
You might score discounts for paying for your policy annually, setting up autopay or getting bills online.
Deductible vs. premium explained
Your premium is what you pay every month to keep your policy and coverage. The deductible is what you pay in an accident before you can get a claim payout.
Get the cheapest quotes for your car
Compare providers in your area.
Your information is secure
How does umbrella insurance work?
Umbrella insurance is liability coverage that protects you and family members living in your household over and above your existing liability insurance, like home or car liability coverage. Think of it as an extra safety net that pays for medical bills if you injure someone or pays to repair or replace someone’s belongings that you damage. Umbrella liability insurance also pays for legal fees if someone takes you to court and expenses go beyond your other liability insurance.
Say you needed to make a claim on your car, home, renters, boat or other personal liability insurance. Umbrella coverage kicks in with extra liability coverage if the damage exceeds the maximum limits on your current policies or if you don’t have an existing policy that covers the liability.
Umbrella insurance covers a wide range of scenarios involving liability:
- Damage from a car accident that’s your fault exceeds your auto insurance limits.
- Another child’s parents sue you when your child starts a fight.
- A worker gets injured on your property and wants compensation for medical bills beyond your home insurance limits.
- You’re sued for a social media message or review you posted.
- Someone gets hurt at your home while enjoying your playground, trampoline or pool.
- You hurt someone while skiing or hunting.
10 tips to save on car insurance
No one wants to overpay for insurance. The best way to save on car insurance is by shopping around.
- Start with multiple customized quotes.
- Hunt for discounts, like taking a defensive driver course.
- Get coverage to fit your car’s age, make and model.
- Skip coverage you don’t need, like towing for new cars.
- Raise your deductible if you have enough in savings.
- Try pay-per-mile insurance if you don’t drive much.
- Insure all cars under the same insurer.
- Drive a safe, low-risk car to get lower rates.
- Think twice about filing small claims to avoid rate increases.
- Shop around every year or after a big life change, like moving.
Ask a question
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