Auto insurance carriers use your driving record to determine the rate of your premium.
While it is impossible to know the exact formula
any auto insurance carrier uses to calculate risk and determine premium rates, knowing common rating factors can help you shop smarter for your car insurance.
Not exact matches
insuranceQuotes.com and Quadrant Information Services calculated the average economic impact of purchasing
auto insurance with either home, condo or renters
insurance using data from the largest
carriers (representing 60 - 70 % of market share) in each U.S. state and the District of Columbia.
Some states don't allow its
use as an
insurance rating factor — Maryland prohibits home
insurance providers from
using it, and California and Massachusetts don't allow
auto insurance carriers to do it.
Study methodology: insuranceQuotes.com and Quadrant Information Services calculated the average economic impact of purchasing
auto insurance with either home, condo or renters
insurance using data from the largest
carriers (representing 60 - 70 % of market share) in each U.S. state and the District of Columbia.
We
use a wide range of
carriers for home
insurance, condo
insurance, renters
insurance,
auto insurance, motor cycle
insurance, RV
insurance, school bus conversions, life
insurance, business
insurance, contractor's
insurance, builder's
insurance, workers compensation, special events, and MORE!
Besides
using an
Auto Insurance comparison service online, you can also contact the
carriers directly and check what they have to offer consumers.
Online quotes for six - month premiums were gathered from three of the top 10
auto insurance carriers (as identified by the National Association of Insurance Commissioners) in the 10 largest metro areas using sample addresses in neighboring Z
insurance carriers (as identified by the National Association of
Insurance Commissioners) in the 10 largest metro areas using sample addresses in neighboring Z
Insurance Commissioners) in the 10 largest metro areas
using sample addresses in neighboring ZIP codes.
*CarInsurance.com commissioned Quadrant Information Services to run
auto insurance rates for a 2015 Honda Accord LX for 10 ZIP codes in each state
using six large
carriers — Allstate, Farmers, GEICO, Nationwide, Progressive and State Farm.
* Disclaimer While
Insurance.com's 2007 Auto Insurance Pricing Report is a broad indicator of pricing activity in the personal auto insurance marketplace on a per household basis, it is not a comprehensive index as it reflects only the pricing activity of carriers that have participated in the Insurance.com auto insurance marketplace in the states where it quotes (all states except Alaska, Hawaii, Massachusetts) and the aggregate profile of consumers who shop using the Insurance.com
Insurance.com's 2007
Auto Insurance Pricing Report is a broad indicator of pricing activity in the personal auto insurance marketplace on a per household basis, it is not a comprehensive index as it reflects only the pricing activity of carriers that have participated in the Insurance.com auto insurance marketplace in the states where it quotes (all states except Alaska, Hawaii, Massachusetts) and the aggregate profile of consumers who shop using the Insurance.com platf
Auto Insurance Pricing Report is a broad indicator of pricing activity in the personal auto insurance marketplace on a per household basis, it is not a comprehensive index as it reflects only the pricing activity of carriers that have participated in the Insurance.com auto insurance marketplace in the states where it quotes (all states except Alaska, Hawaii, Massachusetts) and the aggregate profile of consumers who shop using the Insurance.com
Insurance Pricing Report is a broad indicator of pricing activity in the personal
auto insurance marketplace on a per household basis, it is not a comprehensive index as it reflects only the pricing activity of carriers that have participated in the Insurance.com auto insurance marketplace in the states where it quotes (all states except Alaska, Hawaii, Massachusetts) and the aggregate profile of consumers who shop using the Insurance.com platf
auto insurance marketplace on a per household basis, it is not a comprehensive index as it reflects only the pricing activity of carriers that have participated in the Insurance.com auto insurance marketplace in the states where it quotes (all states except Alaska, Hawaii, Massachusetts) and the aggregate profile of consumers who shop using the Insurance.com
insurance marketplace on a per household basis, it is not a comprehensive index as it reflects only the pricing activity of
carriers that have participated in the
Insurance.com auto insurance marketplace in the states where it quotes (all states except Alaska, Hawaii, Massachusetts) and the aggregate profile of consumers who shop using the Insurance.com
Insurance.com
auto insurance marketplace in the states where it quotes (all states except Alaska, Hawaii, Massachusetts) and the aggregate profile of consumers who shop using the Insurance.com platf
auto insurance marketplace in the states where it quotes (all states except Alaska, Hawaii, Massachusetts) and the aggregate profile of consumers who shop using the Insurance.com
insurance marketplace in the states where it quotes (all states except Alaska, Hawaii, Massachusetts) and the aggregate profile of consumers who shop
using the
Insurance.com
Insurance.com platform.
* Disclaimer While the «2005
Auto Insurance Pricing Report» is a broad indicator of pricing activity in the personal auto insurance marketplace it reflects only the pricing activity of carriers that have participated in the ComparisonMarket auto insurance marketplace in the states where it quotes (all states except Alaska, Hawaii, Massachusetts,) and the aggregate profile of consumers who shop using the ComparisonMarket platf
Auto Insurance Pricing Report» is a broad indicator of pricing activity in the personal auto insurance marketplace it reflects only the pricing activity of carriers that have participated in the ComparisonMarket auto insurance marketplace in the states where it quotes (all states except Alaska, Hawaii, Massachusetts,) and the aggregate profile of consumers who shop using the ComparisonMarket
Insurance Pricing Report» is a broad indicator of pricing activity in the personal
auto insurance marketplace it reflects only the pricing activity of carriers that have participated in the ComparisonMarket auto insurance marketplace in the states where it quotes (all states except Alaska, Hawaii, Massachusetts,) and the aggregate profile of consumers who shop using the ComparisonMarket platf
auto insurance marketplace it reflects only the pricing activity of carriers that have participated in the ComparisonMarket auto insurance marketplace in the states where it quotes (all states except Alaska, Hawaii, Massachusetts,) and the aggregate profile of consumers who shop using the ComparisonMarket
insurance marketplace it reflects only the pricing activity of
carriers that have participated in the ComparisonMarket
auto insurance marketplace in the states where it quotes (all states except Alaska, Hawaii, Massachusetts,) and the aggregate profile of consumers who shop using the ComparisonMarket platf
auto insurance marketplace in the states where it quotes (all states except Alaska, Hawaii, Massachusetts,) and the aggregate profile of consumers who shop using the ComparisonMarket
insurance marketplace in the states where it quotes (all states except Alaska, Hawaii, Massachusetts,) and the aggregate profile of consumers who shop
using the ComparisonMarket platform.
GMAC
Insurance uses credit to determine your auto insurance quote, as do most
Insurance uses credit to determine your
auto insurance quote, as do most
insurance quote, as do most
carriers.
* Disclaimer While the
Insurance.com's 2007 Mid-Year Auto Insurance Pricing Report is a broad indicator of pricing activity in the personal auto insurance marketplace on a per household basis, it is not a comprehensive index as it reflects only the pricing activity of carriers that have participated in the Insurance.com auto insurance marketplace in the states where it quotes (all states except Alaska, Hawaii, Massachusetts) and the aggregate profile of consumers who shop using the Insurance.com
Insurance.com's 2007 Mid-Year
Auto Insurance Pricing Report is a broad indicator of pricing activity in the personal auto insurance marketplace on a per household basis, it is not a comprehensive index as it reflects only the pricing activity of carriers that have participated in the Insurance.com auto insurance marketplace in the states where it quotes (all states except Alaska, Hawaii, Massachusetts) and the aggregate profile of consumers who shop using the Insurance.com platf
Auto Insurance Pricing Report is a broad indicator of pricing activity in the personal auto insurance marketplace on a per household basis, it is not a comprehensive index as it reflects only the pricing activity of carriers that have participated in the Insurance.com auto insurance marketplace in the states where it quotes (all states except Alaska, Hawaii, Massachusetts) and the aggregate profile of consumers who shop using the Insurance.com
Insurance Pricing Report is a broad indicator of pricing activity in the personal
auto insurance marketplace on a per household basis, it is not a comprehensive index as it reflects only the pricing activity of carriers that have participated in the Insurance.com auto insurance marketplace in the states where it quotes (all states except Alaska, Hawaii, Massachusetts) and the aggregate profile of consumers who shop using the Insurance.com platf
auto insurance marketplace on a per household basis, it is not a comprehensive index as it reflects only the pricing activity of carriers that have participated in the Insurance.com auto insurance marketplace in the states where it quotes (all states except Alaska, Hawaii, Massachusetts) and the aggregate profile of consumers who shop using the Insurance.com
insurance marketplace on a per household basis, it is not a comprehensive index as it reflects only the pricing activity of
carriers that have participated in the
Insurance.com auto insurance marketplace in the states where it quotes (all states except Alaska, Hawaii, Massachusetts) and the aggregate profile of consumers who shop using the Insurance.com
Insurance.com
auto insurance marketplace in the states where it quotes (all states except Alaska, Hawaii, Massachusetts) and the aggregate profile of consumers who shop using the Insurance.com platf
auto insurance marketplace in the states where it quotes (all states except Alaska, Hawaii, Massachusetts) and the aggregate profile of consumers who shop using the Insurance.com
insurance marketplace in the states where it quotes (all states except Alaska, Hawaii, Massachusetts) and the aggregate profile of consumers who shop
using the
Insurance.com
Insurance.com platform.
If you can find a
carrier that does not always increase rates after an accident, you can
use this as leverage in your discussion with your
auto insurance company.
Disclaimer While the
Insurance.com 2007 Third Quarter Auto Insurance Pricing Report is a broad indicator of pricing activity in the personal auto insurance marketplace on a per household basis, it is not a comprehensive index as it reflects only the pricing activity of carriers that have participated in the Insurance.com auto insurance marketplace in the states where it quotes (all states except Alaska, Hawaii, and Massachusetts) and the aggregate profile of consumers who shop using the Insurance.com
Insurance.com 2007 Third Quarter
Auto Insurance Pricing Report is a broad indicator of pricing activity in the personal auto insurance marketplace on a per household basis, it is not a comprehensive index as it reflects only the pricing activity of carriers that have participated in the Insurance.com auto insurance marketplace in the states where it quotes (all states except Alaska, Hawaii, and Massachusetts) and the aggregate profile of consumers who shop using the Insurance.com platf
Auto Insurance Pricing Report is a broad indicator of pricing activity in the personal auto insurance marketplace on a per household basis, it is not a comprehensive index as it reflects only the pricing activity of carriers that have participated in the Insurance.com auto insurance marketplace in the states where it quotes (all states except Alaska, Hawaii, and Massachusetts) and the aggregate profile of consumers who shop using the Insurance.com
Insurance Pricing Report is a broad indicator of pricing activity in the personal
auto insurance marketplace on a per household basis, it is not a comprehensive index as it reflects only the pricing activity of carriers that have participated in the Insurance.com auto insurance marketplace in the states where it quotes (all states except Alaska, Hawaii, and Massachusetts) and the aggregate profile of consumers who shop using the Insurance.com platf
auto insurance marketplace on a per household basis, it is not a comprehensive index as it reflects only the pricing activity of carriers that have participated in the Insurance.com auto insurance marketplace in the states where it quotes (all states except Alaska, Hawaii, and Massachusetts) and the aggregate profile of consumers who shop using the Insurance.com
insurance marketplace on a per household basis, it is not a comprehensive index as it reflects only the pricing activity of
carriers that have participated in the
Insurance.com auto insurance marketplace in the states where it quotes (all states except Alaska, Hawaii, and Massachusetts) and the aggregate profile of consumers who shop using the Insurance.com
Insurance.com
auto insurance marketplace in the states where it quotes (all states except Alaska, Hawaii, and Massachusetts) and the aggregate profile of consumers who shop using the Insurance.com platf
auto insurance marketplace in the states where it quotes (all states except Alaska, Hawaii, and Massachusetts) and the aggregate profile of consumers who shop using the Insurance.com
insurance marketplace in the states where it quotes (all states except Alaska, Hawaii, and Massachusetts) and the aggregate profile of consumers who shop
using the
Insurance.com
Insurance.com platform.
Methodology: CarInsurance.com commissioned Quadrant Information Services to run
auto insurance rates for a 2016 Honda Accord for more than 30,000 ZIP codes in the United States
using six large
carriers — Allstate, Farmers, GEICO, Nationwide, Progressive and State Farm.
* Methodology for rates by ZIP code: CarInsurance.com commissioned Quadrant Information Services to run
auto insurance rates for a 2016 Honda Accord for more than 30,000 ZIP codes in the United States
using six large
carriers — Allstate, Farmers, GEICO, Nationwide, Progressive and State Farm.
Insurance carriers might possibly decrease month - to - month auto insurance rates when you use Maine online traffi
Insurance carriers might possibly decrease month - to - month
auto insurance rates when you use Maine online traffi
insurance rates when you
use Maine online traffic school.
Some
insurance companies may review your history of
insurance coverage with previous
auto carriers to determine whether you qualify for coverage and others may
use it to establish your premium or to determine whether you are eligible for discounts.
insuranceQuotes.com and Quadrant Information Services calculated the average economic impact of purchasing
auto insurance with either home, condo or renters
insurance using data from the largest
carriers (representing 60 - 70 % of market share) in each U.S. state and the District of Columbia.
Insurance.com commissioned Quadrant Information Services to run
auto insurance rates for a 2015 Honda Accord LX for 10 ZIP codes in each state
using six large
carriers — Allstate, Farmers, GEICO, Nationwide, Progressive and State Farm.
Known within the
auto insurance industry and investigatory agencies, «price optimization» is a practice by which insurers
use a high - tech data - mining tool to identify loyal policyholders who are potentially the least likely to shop for a new
insurance carrier — then charge them more for that loyalty.
Auto insurance carriers may
use a combination of rating factors to determine a policy price and discounts, including but not limited to:
Many car
insurance carriers offer a wide range of
auto insurance discounts to entice customers to
use their services, as well as to encourage responsible driving habits.
Use our effective online tool to easily compare
auto insurance quotes from different
auto insurance carriers.
To protect yourself against sky - high Olathe
insurance costs, try these three tips: raise your deductible; strive to get a multi-line discount by
using the same
carrier to write your homeowners and
auto policy; and avoid adding what insurers might deem to be «nuisances» to your property (e.g. a dangerous breed of dog like a Rottweiler or Pitbull, or a trampoline).
NOTE: If you happen to be an independent contractor who
uses your vehicle (s) for business purposes, check with your car
insurance carrier to see if your commercial activities are covered under your personal
auto policy.
If you
use a free quote site like this one, you can work from a focused list of preferred local
auto insurance carriers and narrow down your choices from there.
If your
auto insurance provider offers a discount for completing a defensive driving course, then a course can be
used to complete requirements mandated by your
insurance carrier.