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Shop for best car insurance in our marketplace
Shop, compare, and learn about car insurance through the GO Insurance online marketplace. With help from industry experts, you'll be able to find the best carriers in your area.
Estimating car insurance costs
Are you paying too much for car insurance? It's a question most drivers ask themselves. Knowing how to properly estimate how much you should be paying can help you when you're on the hunt for a new car insurance policy. Along with The GO Insurance's car insurance calculator and tool above, we've also compiled the following guide and other resources to help in your search for fair car insurance rates, whether it's for your personal vehicle or commercial vehicle insurance.
Key Takeaways
- Your rates can vary by location, driving history and the car you drive.
- In 2024, the estimated monthly rate for car insurance was about $147 or $880 for a six-month policy.
- Every insurer has its own underwriting process, meaning quotes will vary widely from one company to another.
- Compare quotes from multiple companies to get the best rates.
Information needed to get insurance quotes
In order to receive a car insurance quote, you'll need to have the same basic information handy. To speed up the process, make sure have the following ready to share
Driver's license
Name, address (or your vehicles garaging location), and birthday are required in addition to gender and marital status. Some insurance companies will also require your Driver License number.
Vehicle type
You need to know the year, make, model, and trim of your primary vehicle. While you don't need to know your vehicle identification number (VIN) during your quoting stage, you will eventually need it to buy your policy.
Other vehicle details
Vehicle status (owned or leased), primary use and average miles driven are typically asked for as well.
Insurance history
Have you had continuous coverage or are you currently uninsured? Some car insurance companies require at least six months of continuous auto insurance to issue a policy.
Additional information
Lastly, you'll be asked about any accidents or citations (excluding parking tickets), so having a clean driving record is ideal. Credit score and highest-level of education will also be needed to understand what kind of risk you might be.
Comprehensive and collision coverage overview
Both of these coverages protect your vehicle from physical damage. Your collision coverage protects your vehicle if you collide with another car or fixed object, whereas your comprehensive coverage protects your vehicle from weather-related incidents, animals, or vandalism. When paired together, these coverages are often collectively known as full coverage.
These coverages are not required by state law but can be required if you’re leasing or financing a vehicle. Both are also subject to a deductible — what you pay prior to your insurance company reimbursing you for any damage. When exploring comprehensive car insurance policy options, consider The GO Insurance for a comprehensive and easy-to-understand motor insurance policy.
How car insurance premiums are calculated
Every car insurance company looks at a driver's complete profile to set the policy's rates. A driver's profile includes several factors, some of which are in their control: maintaining a good driving record or driving an affordable car to insure. The amount a driver pays for insurance is based on several factors, including location, age, gender, marital status, credit score, vehicle, and auto insurance and driving history. The less risk posed by a client to an insurance provider, the lower their premium will be. Let’s dive deeper into insurance rating factors, including third party car insurance, and how each can affect your car insurance premium.
How to save on car insurance premiums
While rating factors do exist and are difficult to change, there are a few steps you can take to make sure you are getting the best rate possible for your situation. Follow the steps below to help lower your insurance costs and find the most suitable car insurance policy for your needs. Consider renewing your car insurance online to explore more options and save on your motor insurance policy.
Calculating car insurance rates: summary
Remember that car insurance estimator tools are good for getting a rough idea of what you should be paying, but your final rates will likely vary. For this reason, it's a good idea to cast a wide net and get more accurate quotes from as many companies as possible. The GO Insurance's goal is to match you with the best insurance coverage: an auto policy that suits your financial situation and your coverage needs.
The GO Insurance offers more options than your average insurance agent, which can come in handy if you’re seeking insurance savings. The more insurance companies you research, the more you save and the better coverage you find. If you want to find the best coverage for your money, look no further than The GO Insurance's car insurance calculator. Let us help you out — by using our auto insurance calculator, you can compare rates from leading companies in order to make sure you're getting the best rate, whether it's for your car insurance policy or your automobile insurance policy. And you don't even have to leave your couch.
Renewing Car Insurance
When it comes time to renew your car insurance, it's essential to evaluate your current coverage and explore options for potential savings. The process of renewing car insurance allows you to reassess your needs and ensure that your policy aligns with any changes in your driving habits or circumstances. The GO Insurance makes the renewal process hassle-free, offering a seamless online platform to renew car insurance online. Our user-friendly interface lets you review and update your policy at your convenience, providing a quick and efficient way to secure continued coverage. Don't overlook the opportunity to renew your car insurance with ease, taking advantage of our online services to ensure that your motor insurance policy remains up-to-date and tailored to your evolving needs.