While it would seem to go without saying, not all insurers charge the same amount for the same coverage. Moreover, not all insurers are created equal. Some may cost a little more but provide better, more efficient service with less hassle. It’s worth it to do your research.
What is “best” for one person, may not be “best” for another. Consider affordability, value of services and responsiveness and well as price. Prioritize according to your needs.
We suggest you do a search of “sites to compare automobile insurers” to come up with many different online websites that will compare insurers for you.
Your state’s insurance department website probably has a comparison chart that lists rates for your area for hypothetical customers. We strongly urge that you take advantage of this service.
Find a link to your state’s insurance department at: National Association of Insurance Commissioners. For example, using a link for the Commonwealth of Pennsylvania we were led to several possible topics with links, including Why You Need Insurance, Types of Policies, How to Choose a Company and others. Clicking on Types of Policies we were able to discover what an insurance company in Pennsylvania will consider in quoting a premium amount. While it may not discriminate based on race, religion, nationality or ethnic group, age, sex, family size, occupation, place of residence or marital status, it may take into account the type and age of the vehicle, safety features, where the vehicle is garaged, the average number of miles driven in a year, the coverage and limits chosen for the policy and the driving history of the drivers, to name a few.
