Car Insurance Reviews

Frequently Asked Questions

• How much is car insurance?

  The cost of insurance depends on a number of factors, including how good your driving record is, how old you are, your gender, and where you live; plus your occupation, marital status, and credit score. The most recent data available estimates the average annual premium to be $1,056. But the premium you pay will be influenced by the factors above plus how much coverage you need.

  Learn More: How Much Is Car Insurance?
• How do I find the best car insurance?

  To find the best car insurance, it's crucial to compare quotes from multiple companies and to check out their ratings, reviews, and complaints. Research insurers at ratings agencies like J.D. Power and use the NAIC's Consumer Insurance Search tool. Importantly, you should have coverage that addresses your needs with an insurer that's easy to work with all at a cost you can afford.

  Learn More: How to Compare Auto Insurance To Find Your Best Policy
• How do I get car insurance?

  You can get car insurance through an agent or a broker, or directly with the company. But in all cases, you'll need a few items to get an accurate quote, including your vehicle's information, your personal information and driver's license, and the declaration page from your current insurance company. You should also know how much and what types of coverage you need and your desired deductible.

  Learn More: What Documents Do You Need to Get Car Insurance?
• How do I switch my car insurance company?

  Switching your car insurance company is usually a matter of contacting your current insurer for the proper way to cancel and securing new coverage. But watch out for early cancellation penalties and have your new coverage in place first. Also, be aware of any coverages or discounts you're giving up in the process.

  Learn More: What to Know About Changing Car Insurance
• How do I lower my car insurance rate?

  In addition to getting quotes from other insurers, check for available car insurance discounts like bundling multiple policies and good driver incentives. Also, consider increasing your deductible, paying your premium in full, and letting your insurer know if you're driving less. For lower rates long-term, practice safe driving habits and improve your credit score.

  Learn More: How To Lower Your Auto Insurance Premium Any Time of Year
• What is a deductible in car insurance?

  A deductible is the amount you pay out of pocket for covered claims. For example, say you have a $250 deductible for windshield-related claims and your windshield needs to be replaced to the tune of $400. You would be required to pay $250 toward the repair and your insurance company would cover the rest. If, on the other hand, your deductible is $500, you'd be responsible for the entire cost.

  Learn More: What Is an Insurance Deductible?