Avg. Premium:
Liablity |
$442 |
Collision |
$350 |
Comprehensive |
$102 |
Total |
$754 |
Minimum Coverage:
Liablity |
$15k |
Collision |
$30k |
Comprehensive |
$5k |
Insurance Step works with the top insurance
companies across the nation. No matter what
type of car you drive, Insurance Step will
help you save hundreds of dollars per year.
We have two options to save you money. Our
form takes about a minute to fill out and
connects you directly with insurance
companies and insurance agents. They
will call or email you and offer you discounts
that are applicable to your situation. We also
offer a self-service model, where you can get
direct quotes on insurance company websites and
usually buy your policy online. Where possible,
we only show you relevant results based on your
state, the type of insurance you are looking for,
and any other parameters you have told us, such as
whether or not you own a home. Our goal is to save
you time by showing you only the most relevant offers.
Auto Insurance Shopping Tips: The Right Policy
for the Lowest Rate
While we always recommend that you speak to a
licensed insurance agent, here are some simple
tips that can help you save money and get the
right policy: Shop around. This is always the
most important tip. Every insurance company has
its own pricing algorithms that consider a wide
variety of factors such as age, credit, and driving
record. No company is the cheapest or most expensive
for all drivers. The only way you can know for sure
what a company's rate is for your situation is to get
a quote from that company or from one of its appointed
agents.
Decide what coverage you really need. For example,
will you really need a rental car if you get into
an accident or does your local body shop provide
one free? Do you really want comprehensive coverage
for your older vehicle? Do you have significant
assets to protect that require high liability limits?
Think carefully about your deductibles. If you drive
cautiously and are not likely to have an accident, you
might choose to pay a higher deductible and save money
on your monthly premiums. On the other hand, if you must
have your car for work and you can't save up enough money
to pay off a high deductible, you may be better off to pay
higher premiums for a lower deductible. Think through the
scenarios to make sure the insurance you are buying will
work for your situation.