How to Get the Best Auto Insurance Rates: A Step-by-Step Guide

If you’ve been driving around with your current car insurance company for years, you might not be getting the best deal possible on your auto insurance policy. In fact, there could be hundreds of dollars available to you in discounts and cost-savings that you haven’t yet taken advantage of. But with just a few clicks, you can see how much money you can save instantly by switching to State Farm’s auto insurance quotes . We can even help determine if there are any discounts you qualify for based on past claims or multiple policies with State Farm.

10 Tips to Lower Car Insurance Premiums

1. Reduce driving - One way you can save on car insurance is by driving less. This might seem counterintuitive, but if your car is parked for a significant period of time, it will not be included in your insurance rate. Driving less also means fewer accidents and tickets, which will keep your rates down as well.

2. Raise your deductible - Another strategy you can use to reduce premiums is by raising your deductible from $500 or $1000 all the way up to $2500-$3000. Raising your deductible will lower premiums because you're taking more responsibility for costs associated with an accident that occurs while driving, such as paying for property damage and medical expenses. You should always buy collision and comprehensive coverage so that you're covered for accidents even when you have a high deductible.

3. Don't take out full coverage - Instead of buying full coverage, consider opting for liability-only car insurance. With this type of policy, there's no need to pay extra money just in case someone gets into an accident that's your fault or something damages your vehicle. If you want protection against theft or vandalism, add on comprehensive and collision coverage when you buy liability-only car insurance. In most states, liability-only auto insurance is cheaper than full coverage since the bare minimum requirements are already met under this plan.

Why Do I Need Liability Coverage?

Liability is one of the most important types of car insurance coverage you'll need. Liability covers medical bills and other losses that are your fault. That means if you get into a wreck and cause an accident, your liability will cover any damages or injuries caused. It's often called coverage for when you're at fault. If someone else is at fault, they are responsible for paying for your damages or injuries (they're also responsible for their own liability).

Here's another important thing to know about liability coverage. If you have personal injury protection or PIP in your state, it pays no matter who is at fault in the collision. So even if you were driving correctly but were hit by another driver, this coverage would still pay out on all damages done to your vehicle and any bodily injuries incurred during the crash. Now let's talk about uninsured/underinsured motorist protection. UM/UIM provides additional liability coverage in case you're hit by a driver who doesn't have enough insurance or has no insurance whatsoever.

What Are Collision and Comprehensive Coverages?

Collision and comprehensive are two types of coverage that will protect your vehicle in different ways. Collision covers damages that happen to your car as a result of an accident with another driver or object. Comprehensive covers any damage not caused by an accident, like weather damage or theft. With both types of coverage, the only way to be eligible is to have comprehensive and collision protection on at least one vehicle registered in your name with us.

What Do You Mean I Can Save More Money On My Car Insurance?- You may qualify for these discounts if you: Have been driving less than three years; Own a hybrid or alternative fuel vehicle; Don't allow other drivers to use your insured car; Keep up with routine maintenance; Drive less than 10,000 miles per year.

If you're shopping around for a new policy, give Esurance's online quoting tool a try. It'll ask about your driving habits and find the cheapest rates available. And remember - if we offer the best price, then we're likely to offer great service too. How do I get started? Just enter some basic information in our quoting tool below or call 1-844-514-0788 now to speak with one of our customer care specialists who will answer all your questions and get you on the road faster!

What Is Personal Injury Protection?

Personal injury protection (PIP) is an optional coverage that pays for medical expenses and lost wages after an accident in which the insured person was not at fault. Often called no-fault coverage, PIP will pay no matter who caused the accident so long as it happened in a covered location or event.

Unlike health insurance which only covers accidents that happen on or near private property, PIP covers accidents in almost any location and even protects you against vandalism of your vehicle and provides liability protection against lawsuits if an accident was caused by someone else's negligence or intentional wrongdoing. If you are involved in an accident with another driver who has PIP, their insurer would pay for the cost of injuries sustained by both drivers regardless of fault.

The average cost of this type of coverage ranges from $100 to $200 per year depending on the state where you live. For those with a high net worth, this could be well worth it because even though medical expenses are usually covered by health insurance companies or Medicare, PIP often helps cover lost wages as well which are not always reimbursed otherwise.

Should I Add an Uninsured Motorist Policy?

Uninsured Motorist coverage is an important part of your policy if you've been injured in an accident caused by someone who doesn't have any liability or collision coverage. It's just as important to get this type of protection if you're at-fault, too.

That's because it will cover medical bills and lost wages that are related to the accident but not paid for by your own insurance company. Plus, most states don't require drivers to carry uninsured motorist coverage. So make sure you're covered with an uninsured motorist provision on your policy.

If you want more information on how much adding uninsured motorist coverage would cost and what other discounts we offer check out our Policy Center!

Am I Eligible for Discounts?

State Farm wants to make sure that you get the best possible price on your auto insurance. That's why we offer discounts to different groups of drivers – like good students or those with safe driving records. If you're eligible for one of these discounts, it could save you money on your car insurance premiums.

What if I Have No Choice but Bad Driving Record?

Esurance is committed to being there for drivers with no choice but bad driving records. Our team of experts will work with you to design an affordable policy that fits your needs and budget—which means saving on premiums and giving you more peace of mind in the long run.

How Do I Shop for Discounted Policies Online?

Esurance is always working to provide our customers with cheaper rates and better benefits so they don't have to go through the long process of getting quotes from other companies. If you're currently using our site, then all you have to do is login and start shopping around for the best offer! No need to fill out any forms or answer any questions; just plug in your information and we'll do all the work for you. When we get back with potential rates, we'll show them on one screen so that it's easy to compare each option side by side.