Car insurance can be a tricky subject. Coverages are often confusing, and each carrier calculates your monthly premium differently. To make matters worse, many agents don’t take the time to explain what you’re actually buying. That makes it hard to figure out which options are the best fit for you.
Most people end up shopping based on price — and that can take forever, especially if you’re looking for specific coverages. It’s important to understand how your unique situation impacts your premium, which is why rates can vary so much from one company to the next. A friend once told me that car insurance is “like a casino,” and honestly, I couldn’t agree more.
When shopping for car insurance, there are some things you should consider:
- Recent accidents, tickets, or claims on your record
- How long your current policy has been in effect
- The coverages you need
- Your age
- Make and model of your vehicle(s)
- Bundling discounts from things like home and renters insurance.
I usually recommend working with a broker. They can shop multiple companies at once and offer a wider range of options — plus, it’s often quicker and easier than going company by company.
If a broker’s not your thing, no worries. Below, I’ve included a table of carriers to help you compare on your own.
| Younger Drivers (16-25) | Geico, State Farm, USAA (if military affiliated) |
| Older Drivers (55+) | Allstate, State Farm, The Hartford |
| Low Mileage and Work From Home Drivers | Allstate, Nationwide (Both have pay-per-mile plans) |
| Families with Teen Drivers | Progressive, State Farm, Allstate |
| Drivers with Accidents | Progressive, The General, Bristol West |
That’s all for today folks! Hope your Monday is great and your coffee is strong!
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