The cost of auto insurance can vary widely for each insured person or vehicle. Some of the factors that determine how much your auto insurance will cost is the state and city you live in, your driving record, your age and sex, the type of vehicle you have and your credit score. Each insurance company has their own proprietary formula for weighing each of these factors and determining your risk or the odds of how much money they can make on your premiums or have to pay out to you in case of an auto accident. Unfortunately the insurance companies do not disclose their formulas, so the only way you will be able to find out how much you should be paying for auto insurance is to get insurance quotes from multiple insurance companies.
There are several ways for you to get free auto insurance quotes. Perhaps the fastest and easiest way to get an auto insurance quote is to use the internet. Just about every major auto insurer has a website and will offer you the opportunity to request an auto insurance quote online. Simply go to the insurance company website and fill out the required information and within a matter of minutes you will get a quote. Some of the auto insurance companies that do this are Geico, Allstate, State Farm, Nationwide and Progressive. You can also use an insurance broker to get the cheapest quote from several insurance companies at once. Some of the companies that do this are esurance.com, carinsurance.com and insurancebrokerquotes.com.
Another way to find auto insurance quotes is to use the telephone. You can call any of the insurance companies listed above and request a free quote. For many people this is the preferred option because you will get to speak with a live representative so you will get a much more personalized experience. This also provides an easy opportunity to ask questions and better explain any unique situations you may have.
The last way to get auto insurance quotes is to go to an insurance agent’s office. This is the ultimate in one on one, personal service. It is best to schedule an appointment so the agent will be prepared to meet any needs or concerns you may have.
Remember that before you attempt to get an auto insurance quote you will need to have a pretty good idea of the types of insurance coverage you will need. Each state will require a minimum amount and type of coverage such as liability insurance, uninsured motorist insurance, and property damage coverage. You may elect comprehensive and collision insurance at additional cost or they may be required by your lender if you are still making payments on the car. For deductibles, each insurance company will have different choices and at different costs. That’s why it is important to shop around and compare auto insurance quotes so you get the cheapest insurance rates for the best coverage. Good luck!