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How Can You Find The Best Rate For Your Auto Coverage?

Know What You Want

  • Good Coverage
  • Affordable Premiums
  • Helpful and Friendly Customer Service

Ask and Compare

  • Compare at least 3 different companies to make sure you have options.
  • Ask family and friends what companies they use.
  • See what specials they offer customers.
    • Safe-driver discounts
    • Multi-Coverage discounts – home/auto/renters

Do Your Research

  • Make sure the company is licensed to sell auto insurance in your state.
  • See what others have to say about the business.
    • Better Business Bureau
      • Gives businesses a grade from A+ to F.
      • Find out how long the company has been in operation.
      • View customer complaints that may or may not have been resolved.
    • Social media is also a place that you can find customers either complaining or praising companies and how businesses responds to customer comments.
  • Find out their financial standings:


Your rate could sky rocket or drop if any of these things happen:

  • Vehicle
    • Cars with better safety features may lower your rate.
  • Where You Live
    • High-crime areas may increase rates, where low-crime areas may decrease rates.
  • Age
    • Adding a teenager will increase your rate, but as they get older and show responsibility the rate will likely lower.
      • Some companies offer discounts for teens who take driver safety classes or have good grades.
  • Getting Married
    • When you get married, you will probably merge two insurance policies into one.
    • The marriage also shows responsibility which may decrease your rate.
  • Traffic Violations
    • Speeding and parking tickets will increase rates.
  • Filing a Claim
    • Generally when you file a claim -especially if it’s your fault – your rate will go up.

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