Car Insurance: Everything you need to know
Having good car insurance is very important, therefore, buying a policy is not a decision that should be taken lightly. To make a good choice you must take into account several factors such as coverage, prices, and discounts.
Get quotes from various car insurance companies
The best and easiest way to find the cheapest car insurance is to search among insurance companies. Considering the correct coverage needs, limits and deductibles, we can obtain comparable policy prices.
We do not recommend you to find a cheap car insurance policy, just because the price is low. They have minimum levels of coverage or high deductibles.
Although price is important, choosing a new auto insurance provider isn’t just about money, as other aspects like customer service are also important.
The 3 best insurance companies:
- Amica: Offers your standard car coverage rate, including comprehensive, collision, and uninsured motorist coverage. Plus it also offers extra features you won’t find at any other insurer, including free lock replacement, free broken glass repair, and free airbag repair. Customers can get a free quote online and customize coverage options to meet their driving and coverage needs. You can get various discounts and save money when you are accident-free for at least three years and when you take a driver safety class. Since 1999, their award-winning service has received Consumer Reports’ highest rating among car insurance providers.
- State Farm: State Farm makes it easy to contact its 19,000 agents, you can easily call them to file a claim, for example. But if you don’t have time for a phone call, the State Farm mobile app lets you speak with a representative or submit a photo of the damage. An easy-to-use app is something we often take for granted, but not all companies offer this benefit. Amica, for example, doesn’t allow you to contact an agent or file a claim through an app.
- Geico: The second largest car insurance provider in the United States. It is aimed at the tech-savvy consumer. For those who don’t want to talk to an agent or listen to endless background music while on hold, the mobile app comes in handy. Due to its ability to customize alerts and access all important information, Geico Mobile makes it much easier for users to manage. This insurance offers mechanical breakdown coverage, although it is only for new cars less than 15 months old and with less than 15,000 miles. Although it does not apply to all customers, if you belong to this category, you can renew the mechanical breakdown coverage for up to seven years or 100,000 miles.
It should be noted that the premium applied to your policy will depend on some factors. It will also determine whether or not an insurer is right for your car coverage needs.
Most policies consider the following:
- Condition
- Age
- Year, make and model of the car
- Driving history
- Credit score
Find the most affordable rates by talking to agents and getting free quotes online. However, be careful when aiming for the lowest rates, the cheapest coverage may not always be the best.
Frequently Asked Questions About Car Insurance
✅ 1. What type of car insurance coverage do I really need?
➡️ The most common types are liability, collision, and comprehensive coverage. Liability is usually mandatory, while collision and comprehensive protect against damages to your own vehicle.
✅ 2. What affects the cost of my car insurance premium?
➡️ Several factors impact your premium: age, driving record, vehicle type, location, and credit score. Safe drivers with clean records usually pay less.
✅ 3. Is it better to choose the cheapest car insurance?
➡️ Not always. Cheap policies often come with low coverage limits or high deductibles, meaning you might end up paying more out-of-pocket after an accident.
✅ 4. How can I lower my car insurance costs?
➡️ Compare quotes from different insurers, maintain a clean driving history, bundle policies (like home + auto), and ask about discounts for safe driving or security devices.
✅ 5. How often should I review or update my car insurance policy?
➡️ Experts recommend reviewing your policy once a year or after major life events like buying a new car, moving, or adding a driver to your household.
✅ 6. What’s the difference between full coverage and liability-only insurance?
➡️ Full coverage includes liability, collision, and comprehensive protection. Liability-only covers damages you cause to others but not your own vehicle.
