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According to our partner Progressive Insurance, their national average annual car insurance savings by new customers surveyed after switching to Progressive in 2019. Results can be more or less depending on the carrier and risk insured.
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In some states, medical coverage helps pay for medical expenses if you or a passenger gets hurt in an accident. In others, personal injury protection coverage can do the same plus cover work-loss wages ... and then some.
Liability coverage is required in nearly every state and helps pay for damages you're responsible for. We're talking injuries to other drivers or if, say, you run over a neighbor's lawn gnome. Cue sigh of relief.
Rating your auto insurance on how you actually drive is the latest innovation in auto insurance. Many insurance companies now have usage based insurance discounts. Drive safe. Save money. It totally makes sense.
Buying more than one policy from the same insurer is called bundling. When you bundle your home and auto insurance with a single insurance company, you could save 15% or more. Not too shabby.
Shopping online is a great way to find affordable car insurance. However, you should figure out which coverages you want beforehand. Then make sure each quote includes the same coverages and limits. This'll give you a better apples to apples comparison.
You could lower insurance costs by reducing your coverage limits and increasing your deductibles. However, that typically means you pay more out of pocket or have less protection.
Also, if you auto insurance policy only satisfies the state's minimum liability requirements. Your car insurance may be on the cheap side. But it wouldn't account for collision damage to your car and may not have enough liability protection when you need it.
In other words, "cheap" doesn't always mean good insurance.
Truth is, car insurance varies.
Auto insurers mull over many factors to calculate your premium. Things that are considered, your car's year, make, and model. Where you live. Your driving record. Your insurance history, insurance-based credit score, and more.
The truth is, there isn't a "best time" of year to buy auto insurance. This is a common myth. With think, like the 16th century adage goes, "There's no time like the present."
Car insurance companies use a number of different things when rating your policy. Here are a few of the biggies:
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IronPoint Insurance Services is an independent insurance agency licensed (#0G87821) with the California Department of Insurance. We are authorized agents for many A+ rated Arizona, California and Utah insurance companies. We provide consumers with online, phone, and in-person insurance services through our insurance company relationships. IronPoint Insurance Services, LLC offers multiple insurance quotes to provide consumers several options for their insurance products. We offer auto insurance through Mercury Insurance Group, Travelers Insurance Companies, The Hartford, MetLife Auto & Home, and Progressive Drive Insurance. We are authorized insurance agents for these companies and do not charge any fees for our services. If an IronPoint insurance agent trys to charge you broker or agency service fees for representing these companies, please contact us immediately.