What car insurance company has the best coverage and rates?
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Asked June 20, 2011
Determining which insurance companies offer the best coverage or have the best rates is going to differ from one driver to another according to the type of coverage needed and the risk assessment of the policyholder. Your driving record will have a large determining effect on your rates, along with such demographics as where you live and park your car, how far you commute to work, and your age and martial status.
To find the company that offers you the best rates, compare prices online. Determine the types and amount of coverage you need your car, and compare rates against the major insurance companies such as Allstate, GEICO, and State Farm. Large, well-established insurance companies typically offer more competitive rates based on the bulk of business they receive, while lesser-known companies may charge higher rates based on things such as brokerage fees and other considerations.
The best way to get good insurance rates is to maintain a good driving record. No matter how affordable the company's rates may be, they will be higher if you have been convicted of a lot of traffic offenses or received serious judgments such as as DUI. In some circumstances, you may be required to carry a Form SR22, State of Financial Responsibility in addition to other coverage, and that will cause a dramatic increase in your premiums no matter which company you choose to insure you.
Answered June 20, 2011 by Anonymous