Finding the Best Car Insurance Rates with Shiirs

Another thing not everybody realizes is that while insurance rates gradually rise over time, they can also go down. Shopping around gives you the chance to figure out if switching insurance companies is the right decision or if your current insurance company is already giving you the best options.

For your benefit, we take all of this into consideration and analyze car insurance rates annually. We determine rates for people with different genders, histories, and different areas of residence across several insurance companies. Now, you can compare potential auto insurance rates with us and get the best car insurance for you with as little bother as possible.

No two insurance companies use the same formula when calculating your insurance deductible. We can’t tell you which insurance companies most strongly consider your profession or which companies value a clean driving record the highest. What we can do instead is help you look at average annual car insurance rates for varying levels of coverage.

Some major insurance companies, like Liberty Mutual, are unavailable due to a lack of access to required information.

Comparing Car Insurance Rates by Age

Unlike driving histories and credit scores, age might not be the first thing you think of when it comes to insurance. Believe it or not, though, age is one of the first things car insurance companies look at when calculating what your annual insurance rate will be.

Two age groups have some of the highest annual insurance rates: teenagers and drivers 75 years or older.

Comparing Car Insurance Rates for Drivers with a DUI

For fairly obvious reasons, car insurance rates skyrocket after an insurance holder receives a DUI. Depending on your previous record, it can go up by as much as 75%. You can combat that increased cost by shopping around to make sure your current driving insurance is the best option for someone with a DUI. Having a DUI on your record can affect you for at least a couple of years and as long as a decade.

Your age and state you live in (if you live in the United States of America) will affect how much a DUI increases your insurance rate. For example, people in Hawaii experience almost three times as much of an increase as people in Florida, and people in the 40-year-old age bracket will have to pay a smaller increase, too.

Comparing Car Insurance Rates for Drivers with Poor Credit

Poor credit negatively impacts many things, and the price of car insurance is sometimes one of them. California, Hawaii, Massachusetts, and Michigan are the only four states that use credit history as a deciding factor for your insurance quote. Most other carriers use your credit history to determine how likely you are to file a claim.

In some cases, poor credit history can cause your insurance rate to double, though that’s not the case for all insurers. As previously mentioned, all insurance providers view different factors uniquely when calculating your credit score. For example, insurers like Nationwide only charge a slight increase for people with poor credit, while your insurance rate would more than double with State Farm under the same conditions.

Keep in mind that some states prohibit car insurance companies from using your credit history as a factor when calculating your insurance rate.

Comparing Car Insurance Rates for Drivers Who Have Been in an Accident

Being in a car accident is a jarring experience and can even be life-changing. The last thing you need to deal with after a wreck is wondering how your insurance company will react. With us, you don’t have to wonder. We make it fast and easy to look at which car insurance companies are best for you.

Since all car insurance companies, especially the popular ones, handle these situations differently, it’s good to know how a future accident or an accident on your record will affect your rates. We recommend checking how each insurers’ rates will change for drivers with an accident before you begin comparison shopping. If you already have an accident on file while looking for a car insurance company, pay attention to their quotes one, three, and five years after the date of the collision, so you know who offers the best rates possible.

At-fault drivers and drivers with a clean history typically don’t have the same ideal car insurance company. For example, Geico tends to be the best for drivers with no prior driving record, while American Family Insurance has the cheapest rates for drivers who caused a previous accident.

First, no car insurance company should charge you for a quote, no matter how big or small that company is. Some, but not all, car insurance companies charge a down payment for you to begin your policy. No matter where you’re buying your insurance from, though, your quote estimate should always be free.

Here is a guide to comparing car insurance quotes:

Have your information ready

The easiest and most efficient way to begin comparing car insurance rates is to get the necessary information organized and on hand.

First, you’ll need all of your personal information, like address, date of birth, occupation, and so on.

Next, you’ll need to know your vehicle information: mileage, when you purchased it, vehicle identification number (VIN), and typically the make and model. Even if you don’t know this information off-hand, it’s usually painless to find out.

After you have your personal and vehicle information all sorted out, you’ll need to gather up your driving history. The things car insurance companies will usually ask for are your previous claims, traffic violations, tickets (usually only from the last five years), and any driving courses you’ve taken.

Last and easiest of all, you’ll need your current or previous insurance company’s name.

Choose the Right Coverage

There are several variations of car insurance coverage available, and knowing which one you need is crucial. Auto insurance is protection for more than just the money you put into your car. You can also get coverage for bills that accrue from damage and injuries after a serious accident. The car insurance company you choose may also be there for you in the case of a lawsuit (if relevant).

Gather Several Quotes

We strongly recommend getting car insurance quotes from at least three different companies. Comparing quotes from both regional companies and big companies like Allstate and Progressive is also a good idea.