Car Insurance Guide

Our guide to car insurance rates is designed to give you all the necessary knowledge to lower your premiums. We strive to provide detailed state by state information for insurance consumers nationwide.

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Car Insurance Companies

You have a vast selection of car insurance companies from which to choose your new policy. Most of the top insurers in the country provide quotes through our site. Find a list of the largest auto insurers in the U.S. here.

Rates Go Up After No-fault Accident

With most car insurance policies, any time you make a claim, your premiums will rise. Even after collisions in which you had no fault, your rates will likely still go up. We'll explain why this is and tell you how to avoid it.

SUV's More Expensive to Insure

The cost of ownership for an SUV is significantly higher than for a smaller vehicle, and not just because of poor gas mileage. SUV's also cost an average of 10%-20% more to insure. Find out why SUV's have such high premiums here.

Rates Drop at Age 25

Twenty-five might not seem like a milestone birthday at first blush, but it is actually an important age with regard to car insurance. When you reach age 25, your car insurance rates will automatically drop. Learn what it is about reaching age 25 that entitles you to lower premiums.

Full Coverage vs. Liability Only

With auto insurance, a trade-off exists between coverage levels and premiums. That is, if you want the lowest premiums, you will have to select minimal levels of coverage. We'll discuss the benefits and drawbacks of carrying full coverage as opposed to liability-only here.

Why Rates Vary Co. to Co.

If you have shopped around for car insurance quotes, you know how widely rates can vary from one company to another. The disparity may seem illogical when your demographic information, driving record, and coverage choices are the same from company to company. Read this post to find out why the rates of various insurers can be so different.

Are you a bad driver?

You may never have received a ticket in your life, but you still might practice a few bad driving habits. Distractions like cell phones, radios, and iPods can easily divert the attention of even the best drivers. Learn some of the defining traits of bad drivers here.

Guide to GAP Insurance

Though not required by law, gap insurance is a wise investment for carbuyers who put a small amount of money down relative to the purchase price of their vehicle. Gap insurance reimburses drivers for losses in the event that they total a vehicle on which they owe more money than the car is actually worth.

How does my credit affect my insurance?

Most car insurers now pull applicants' credit reports before deciding whether to issue them coverage. Insurance carriers also use credit information to determine what premiums to charge a particular policyholder. We'll discuss the legal implications of credit reporting as it relates to car insurance here.

Save more by comparison shopping

The more competition companies face, the lower their prices will be. Car insurers are no exception to this fundamental economic principle. With more and more consumers using the Internet to compare rates, car insurers have begun steadily lowering their premiums.

File Insurance Co. Complaint

If your insurer will not pay out a claim or if you are unhappy with the settlement the insurer gave you, you have the right to file a complaint against them. Each state has a department of insurance with whom consumers can file complaints. We'll tell you how to go about doing so here.

Honestly, How are premiums calculated?

Many policyholders are mystified by their premiums. They're unsure how the insurer arrives at the number, so they have no way of knowing whether the rates are fair. Read this post to learn exactly how insurers determine premiums.

Car Insurance Glossary

Learn more about car insurance terms

Recent Articles

Why Teens Pay Higher Premiums

Insuring teenagers to drive requires that one have a pretty penny stashed away. Does it have to be that way, though, or is there an alternative that can save money?

Which comes first: Auto Insurance or the Driver’s License?

Does insurance matter for a teenager who is learning how to drive? It does if you expect your insurance company to lend a hand if they cause an accident during training.

SR22 Auto Insurance Explained

If you have had your driver’s license suspended, chances are that you will need to get an SR-22 filing to get it back. The rate that you will have to pay depends on several factors, but you don’t want to have to pay too much. Learn more about SR-22 insurance to find out how to get back on the road.

Deer and Car Insurance

There are a great number of factors that determine the price of you car insurance; however, there are a few that most people never think of when purchasing their policy. As strange as it sounds, protection from collisions with deer is one of these factors that can raise your premiums depending where you live.