I’m looking for ways to get better rates on auto insurance. Any tips on how to get quotes that are more competitive?
- Avoid filing small claims, save it for big ones.
- Keep a clean driving record—no tickets.
- Maintain good credit.
- Don’t switch providers often.
- Homeownership can help.
- Being married can sometimes lower rates.
- Multiple cars can get discounts.
- Location matters—living in less populated areas helps.
- Vehicle choice impacts rates too.
There are tons of factors, but these cover a lot.
@Dallas
As an agent, I often suggest people team up with a roommate or partner if possible. For example, I added my partner to my policy and dropped from $85/month to $40/month, while he saved even more. Plus, sometimes rates go up when you remove cars or drivers due to the way policies are rated.
@Aki
Thanks, I hadn’t considered that.
If you’re curious, try a quick quote on Progressive’s site. You can specify the relationship and get a quick idea. Or call an independent agency in your area and ask.
@Dallas
Can you clarify #9? Not sure what you mean by highly rated vehicles.
Shan said:
@Dallas
Can you clarify #9? Not sure what you mean by highly rated vehicles.
They probably mean ‘rated’ by insurance companies. For example, a Corolla might have a lower rate than a sports car like a Mustang due to perceived risk.
@ComplianceChris
Exactly, insurance rates can be higher for vehicles that are more solid and cause more damage in a collision.
@Dallas
Some factors vary by state, and there are so many elements that impact rates. Independent agents can help shop around for you and often have access to carriers not available directly.
Best bet is to contact a local independent agency; they can shop around for you. Avoid comparison websites if you don’t want to be flooded with calls and emails.
isaacs said:
Best bet is to contact a local independent agency; they can shop around for you. Avoid comparison websites if you don’t want to be flooded with calls and emails.
True!
isaacs said:
Best bet is to contact a local independent agency; they can shop around for you. Avoid comparison websites if you don’t want to be flooded with calls and emails.
Isn’t it cheaper to go directly to the company?
This question comes up a lot, but the main answer is to shop around and make sure you’re not underinsured just to get a cheaper rate. Understanding your coverage options is essential so you know what’s worth paying for. A good agent can guide you, but remember, they only get paid if you buy a policy.
You’ll need to put in the work to call companies or agents, especially if you want a quote from a large company. Local independent agents can help, and I’d steer clear of sites asking for all your personal info.
Look for local independent agents, and see how well they understand the market. Plenty of online ads will send you to call centers; talking with a local agent can make a real difference.
A bit more background on auto insurance:
- Your state’s insurance department oversees coverage forms and rating methods for each provider. Some states require more generous coverage, which can raise rates.
- Every company has its own pricing formula and targets different customers.
- Your rate is based on a mix of factors—age, claim history, zip code, vehicle value, number of household members, credit score, and more.
One tip: binding your policy at least 30 days before renewal may earn you a discount!
Just keep shopping around.
Arden said:
Just keep shopping around.
Can you recommend any good websites or resources?
Arden said:
Just keep shopping around.
Can you recommend any good websites or resources?
Insurance varies a lot depending on location, so I recommend finding a local agent who knows your area’s requirements and can guide you on coverage.
@Arden
A good approach is to treat questions with the same patience you’d give a newcomer. OP could benefit from understanding that local agents can tailor coverage based on location and needs.