![]() ![]() In addition to the price of the premium-the actual cost of the policy-look at the payment schedule. You may be surprised by how much prices vary, so you’ll want to get several quotes. Naturally, when you compare insurance policies, cost will be a top consideration. Primary liability-including bodily injury and property damage coverageĬheck prospective policies too for secondary options that could prove beneficial, such as glass coverage-which often comes without a deductible-or reimbursement for a rental car.Coverages that you’ll want to consider, though some are optional, include: It is difficult to compare policies, for instance, if one provides $50,000 in property damage liability coverage, another only $30,000, and a third $100,000. All of the policies that you review should have the same types and amount of coverage. Try to compare apples to apples when choosing your insurance policy. The following are the most important factors to consider. You’ll want to consider fundamental factors such as coverage and price, but it’s also worth evaluating prospective insurers as well. Generally, it’s a good idea to compare policies from at least three different insurers. ![]() ![]() Please note that the information provided on this website is for general informational purposes only and does not, and is not intended to, constitute legal advice.Once you have a clear picture of how you use your car and your priorities, you’re ready to shop for insurance. your car insurance rates will likely differ from those shown here. Because car insurance rates are based on so many individual factors - age, location, driving record, type of vehicle, etc. The rates in our study should not be considered “average” rates available by individual insurers. To get the rates for good drivers used in our study, we computed the mean rate for male and female drivers 17, 25, 35, and 60 years old who drive 12,000 miles per year, have medium coverage, good credit, and a clean driving record. Clean driving records, as well as records with one accident, records with one speeding violation, and records with one DUI, were also used in the calculations for certain driver archetypes. Coverage levels of low, medium, and high were used, as were credit tiers of poor, fair, and good. The vehicles used include the 20 Honda Civic, the 20 Toyota RAV4, and the 20 Ford F-150, with mileages of 6,000 and 12,000 annually, respectively. The rates for our study are based on profiles for male and female drivers who are 17, 25, 35, and 60 years old. In addition, we maintain a separate business team that has no influence over our methodology or recommendations. All sample products provided for review are donated after review. Our 360 Reviews team does not take samples, gifts, or loans of products or services we review. (Not every car insurance company operates in every state.) The information obtained by Quadrant is publicly available rate data that car insurers file with state regulators and should not be interpreted as binding quotes. News and World Report worked with Quadrant Information Services to analyze a report of insurance rates in all 50 states from most of the largest national car insurance companies. ![]()
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