There are many websites designed to help you find the best auto insurance; you put in your information and they will give you free quotes from many different websites. In reality though it all boils down to when you go and talk to the agents, not what some online website tells you. Before I get to what happens when you talk to an agent here are some facts. People who get in more accidents and get more tickets are more likely to have higher insurance rates than those who have been driving for ten years and never gotten an accident. Younger people usually have to pay more because they just began driving, and are more prone to getting into accidents, of course as your years of driving increase (with minimal accidents and tickets) you insurance rate goes down. Also where you live has a lot to do with your insurance rates. Living in a high society area like Manhattan or Beverly Hills also increases the rate of insurance, of course that has nothing to do with how well you drive, that’s just the nature of the beast. (If you have enough to live in those areas I’m pretty sure auto insurance is low on the list of priorities) One other big thing that goes into the price of your auto insurance is what kind of car you drive. Driving a junk car, like a 1996 Dakota Sport (The car that I call my own) would be a little cheaper that a 2010 Mercedes Benz. The simple reasoning for that is that if I crash my Dakota Sport, that is probably worth next to nothing, let’s say it’s only worth about 2500 dollars, if the damages on my car are more than that the insurer will just pay the 2500 instead of 5000 to repair it. On the other hand if I crash a brand new 2010 Mercedes, worth about 25000 the insurance company will not be very happy with me. Basically no two people, and cars, are the same.

So now to the big question, which car insurer really saves the most money? Which car insurance company is the best of the best the company that will save you, the working American, the most money? The answer is, all of them! There is no auto insurer that is superior to the next. How can this be? How can one company save you 500 dollars yet be dumped by another customer for a different company? Let me compare it like this; let’s say there are two electronic companies, company A and company B. You want a TV from Company A, but then you read the ads and you notice company B is selling the exact same TV for 100 dollars cheaper. So you call company A and tell them what company B is offering, so company A tells you they will match the price of company B and even give it to you for 100 dollars cheaper than company B’s price. You just saved money by comparing prices. It’s the exact same with auto insurance. Let’s say Geico is currently offer me 100 dollars a month for auto insurance, I call All-State and tell them what Geico makes me pay I let them know my driving history and they say they can give me 80 dollars a month for car insurance.
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Allstate can now say that I saved 240 dollars a year by switching from Geico; however it’s a two way street, Geico could counter offer with 70 dollars a month, it all depends on your unique auto situation. So if you ask me which is the best auto insurer I say all of them, all you have to do is shop around and compare prices, eventually the highest (well technically lowest) bidder will win your money.

Environmentalists, for one, are in favor of this plan for obvious reasons. If people know that their car insurance bill will be higher if they are on the road more frequently, then they will be incentivized to drive less. Fewer motorists on the road means fewer harmful greenhouse gases being released into the atmosphere. Here in Los Angeles, this could have a significant impact on our nation’s worst smog problem.

Consumer advocates support the plan as well, as car insurance companies in Southern California have long erred on the side of over-billing in order to mitigate risk. That is, these companies are much more likely to bill you at the upper end of their estimate of how much you may drive in one year in order to protect themselves from the risk of having you on the road far more than they expect. With a transmitter relaying your exact mileage, policies will be less cookie-cutter and will more accurately reflect a person’s actual time spent on the road. It should be noted that pay-as-you-drive policies will not be required, so a driver with a long commute may choose to stick with a more conventional policy. It should also be mentioned that these transmitters will not relay a driver’s location, an action that would typically set off alarms with consumer advocates due to the inherent invasion of privacy.
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Finally, an often-overlooked aspect of this debate could be one of the most basic, and that is the impact this could have on personal injury. Along with fewer harmful emissions, fewer drivers on the road should mean fewer accidents, and therefore fewer injuries. Certainly an idea that can be supported by all. For more information on this interesting debate, there is a great article at latimes.com to check out.

See: ‘Pay-as-you-drive auto policies could become option by year’s end’

Comprehensive auto insurance is a less black and white, as it covers damage caused by reasons other than a collision with another vehicle. Often, this can take place as a result of flood, theft, vandalism, impacts with animals, etc. A great deal of litigation has come from the interpretations of what should fall under this umbrella. Suffice to say, it is generally a good idea to pay for comprehensive insurance, even if you are not required to do so.

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There are a couple of ways to go about paying for your car insurance. Typically, companies will charge monthly, bi-annually, or annually. If you don’t already know this, it might be helpful to be aware of the fact that a willingness on your part to pay for a longer time period up front will lower your average expense. That is, if your monthly payment, or “premium,” was $100, an insurance company might be willing to sell you six months of coverage for $570 up front, or better yet, a year’s worth of coverage for $1,100 if you can pay all at once. If you don’t have the cash in the bank, this is a non-issue.

There are a number of categories that insurance companies can place you in to better assess how “risky” you are for them to insure. Age is a big one. The older you are, the better you are at driving a car. Therefore, you will be charged less for insurance. Gender is a trickier one, but the bottom line is that Men engage in riskier behavior on the road, and are therefore more likely to get into an accident. For this reason, men must pay more for insurance. Similarly, unmarried people are more likely than married folks to be out driving at night, when the majority of accidents happen. As you might now expect, single people pay more for insurance than married folks. Finally, the type of vehicle you drive, and how much you drive it play into how much you can expect to pay for insurance. Sports car drivers pay more for insurance than station wagon drivers just as people who drive 50,000 miles per year pay more than people driving 12,000 miles per year.

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