While this varies from insurer to insurer, generally a learner driver will be covered by a car insurance policy as long as there is an instructing passenger in the front seat who is a fully licensed regular driver. In most cases, you don’t have to pay an additional premium but if the learner driver has an accident, you might have to pay an age or inexperience deductible or both. Of course, they must abide by the terms and conditions of the policy as well. If you drive while pregnant, it won’t affect your policy unless you’ve been advised to refrain from driving or that your pregnancy could negatively affect your capacity to drive. To ensure you are fully able to drive, it is a good idea to consult your doctor.
The price of car insurance can vary greatly between states. One company may be expensive in Utah, but inexpensive in New York. In some states, a small, local company could even offer the best price. Below, click through to your state to see which company and cities have the least expensive car insurance based on the numerous studies we've conducted.
Our Travelers quote fell in the middle of the pack price-wise, but you may be able to secure a lower rate by taking advantage of the company’s 12 discounts — the second-most offered by any of our top picks. You can save for being a homeowner, being continuously insured, or enrolling in Travelers’ IntelliDrive program. There are also special discounts for students and affinity groups. Overall, Travelers is one of the highest-ranking insurance companies out there, both in terms of a straightforward claims process and variety of ways you can save.
Both can be detrimental to you and your finances. That's why we offer up another great resource for vehicle insurance shoppers — independent agents. These unbiased experts can provide guidance and recommendations when it comes to the various coverage options and policy limits available, and can even help you uncover money-saving discounts. Not only that, they have a great understanding of the local market conditions, which helps them tailor the best policy for you.
Sure, upgraded coverage means a higher monthly premium. But would you rather pay a bit extra each month, or wind up owing a lump sum of $30,000 out of pocket? The average American will file a collision insurance claim about every 18 years, according to insurance industry statistics. Hopefully, it’s nothing more than a fender bender, but if the worst should happen, you’ll appreciate being fully covered.
All insurers base their rates on risk. We're talking car insurance, so the company is primarily trying to determine how likely you are to get into an accident. Obviously, if you have a poor driving record or you're on the road all the time, the odds are less in your favor. But statistics show women get into fewer accidents than men as do married individuals versus single ones. Younger drivers, conversely, get into more accidents than older drivers. All that data on your demo can influence what insurers charge.
Oh, there are a whole bunch. The big ones include good driver discounts (for going long enough without a moving violation); affiliation discounts (for belonging to a group, like AAA or AARP, that partners with the insurer); low-mileage discounts (for, you know, low mileage) and car safety feature discounts (for installing stuff like emergency break assistance or collision avoidance systems). You can find a full list of common car insurance riders and discounts here.
Nick Dehn is a writer currently serving as a content specialist for Insurify. A seasoned writer, Nick has produced feature pieces, opinion editorials, and press releases for start-ups, small businesses, and local news publications. He now develops content full-time for Insurify, researching and writing data-driven studies and producing insights on the insurance industry. Nick is an alumnus of Williams College, where he graduated cum laude with a degree in English and Sociology. He hails from Wilton, CT but has recently set roots in Cambridge, MA. Nick enjoys exploring the greater Boston area, making stir-fry, and award-show prognosticating.
GEICO, well known for its animated gecko, has served as an underwriter to more than 16 million auto policies, which insure more than 24 million vehicles. The company’s size allows it to employ more than 36,000 people across nine regional offices, three service centers and three claims centers. GEICO’s original customer base consisted of U.S. government employees and military personnel. Today, the insurance company’s customer base has expanded to include people in the private sector.
The car your drive makes a big difference in your insurance rate. Vehicles built for performance, with high MSRP (manufacturer's suggested retail price), and foreign-built models are often costlier to insure. Vehicles that don't cost as much to repair or aren't built for faster driving — such as vans and sedans — are correspondingly cheaper to insure.
You may have heard that men pay more than women for car insurance. This is true, because statistically men are more likely to engage in risky driving practices like speeding and driving under the influence, which results in more accidents. Massachusetts, Hawaii, and North Carolina do not allow gender to play a role in auto insurance rates, so drivers in those states don’t have to worry.
The amount of coverage is another big factor in determining your premium. If you're comfortable with a high deductible and the possible out-of-pocket expenses that might occur, you can lower your premium. Similarly, lower liability limits can also decrease your premium. But always remember that means you may pay more in the long run. For more detailed information, check out all of the great resources that netQuote has to offer to help you understand your car insurance comparison.
It’s easy! Simply tell us what you believe the value to be, send us a few photos of your car, and our experts who have decades of experience will consult with you to reach the agreed value. Once determined, that value will never be reduced unless you want it to be. Given the rapid increases in collector car values we are experiencing, it is a good idea to periodically review and adjust the value to remain fully protected.
Look for discounts that lower your price as you compare car insurance rates online. At Nationwide, we offer discounts on multiple cars, good students and membership in a partner organization. We also offer members the opportunity to participate in our SmartRide program, which rewards safe driving habits. Learn more tips that can help you lower your car insurance premiums.
Nationwide's insurance professionals can quickly design a car insurance quote that meets your precise needs, even for those on a budget. Rather than going with the cheapest car insurance quote, make sure the company you choose provides flexible coverage and billing options. For instance, Nationwide allows members to pay monthly, quarterly or semi-annually online, through the mail or over the phone. It’s important to keep long-term flexibility in mind when deciding on an insurance carrier, not just go with the cheapest car insurance option.