Find the Best Car Insurance for Your Needs

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Insurdinary’s Mission to Help You Find Affordable Car Insurance Coverage

As vehicles advance and become more expensive, so does auto insurance. After a 9% rise in nationwide average auto insurance costs in 2022, data trends predicted prices to continue rising by 7% in 2023. With high inflation rates, frequent accidents, and expensive repairs, auto insurers only continue increasing their policy rates.

A few other nations offer government-led auto insurance policies with less volatile price increases. For example, Canada provides non-profit public auto insurance that helps drivers receive affordable and accessible insurance with different coverage levels. While the coverage may not be free, drivers can enjoy fewer price jumps than plans from private organizations with profit mindsets.

You must rely on auto insurance to protect your financial investments and adhere to different laws. Unfortunately, the average auto insurance policy is about $1,000 USD per term. There are certain American states, like Louisiana, Michigan, and New York, that exceed $1,400.

When you consider the cost of a car accident, auto insurance rates make a bit more sense. The average vehicle costs $48,000. If you cause a wreck involving two new vehicles and any injuries, you could easily end up responsible for paying a bill over six figures if you don't have insurance.

Without auto insurance, such property damages can wipe out your life savings, destroy your investment, and even lead to bankruptcy. With medical bills as one of the leading causes of bankruptcy, you can expect any accidents with personal injuries to have excessive costs.

At Insurdinary, we want to help you find affordable auto insurance that aligns with your coverage needs. We understand how complex the auto industry is, so we want to help you receive coverage you can afford.

3 Convenient Steps to Find Affordable Auto Coverage

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1. Complete the Questionnaire

Tell us about your driving history so we can match you with the best insurers for your needs.
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2. Compare Plans Side-by-Side

Compare rates from the top auto policies, including their coverage amounts, discount options, extensions, and more.
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3. Get Quotes and Apply

Select the top three auto insurance offers and receive quotes directly to your inbox. Add and remove coverage to see price changes.

How Auto InsuranceWorks

Private organizations run the auto insurance system, resulting in complex claims processes and rising prices. As a driver, you can select an insurance company with your preferred coverage level. If you get in an accident with another driver, your insurer will pay the damages if you caused the accident, or the other company will pay if their driver caused it.

Depending where you are, liability laws vary and include many complexities that can make coverage confusing. For example, if you get hit by an uninsured driver, they do not have insurance that can pay for your damages. In 2019, approximately 12.6% of drivers did not have auto insurance coverage.

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Comparing the Primary Auto Insurance Options

The three primary auto insurance options include the following:

Liability Coverage

Liability coverage pays for damages that you cause to another vehicle or person.

Property liability coverage will pay for their vehicle and personal property (like a mailbox) to a certain amount, like $50,000.

Personal injury liability coverage pays for the other driver’s medical costs associated with the accident.

Collision Coverage

Collision coverage includes all damage to your vehicle. Many drivers include liability and collision coverage on their policy as a bare minimum to protect their personal property and financial best interests.

If you get in an accident and have collision coverage, your insurer will pay for some or all of your repairs, depending on your policy.

If the repairs cost more than the value of your vehicle, they may “total” your vehicle, offering you market value instead.

Comprehensive Coverage

Comprehensive coverage includes all non-accident-related damages.

Your insurer will cover some or all of the costs to repair or replace your vehicle after theft, vandalism, or weather-related events.

Comprehensive coverage is an excellent add-on to other policies, though it will not protect you from accident damage.

6 Reasons Why Car Insurance is So Expensive

Paying out of pocket for a car accident can leave you in debt, making auto insurance a necessity for all drivers.

At Insurdinary, we review every policy option from all the top auto insurers to help you find coverage that aligns with your budget, driving habits, and coverage requirements.

Understanding the reasons behind your quoted rates can give perspective and help you find providers who offer affordable rates and coverage for your needs.

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Here are the reasons why:

Vehicles cost a lot to repair

As vehicle costs rise, so do repair costs. The average repair cost for a non-injury-causing accident in 2020 was $4,700 per vehicle.

Medical bills add up quickly

Auto insurance policies can cover medical bills related to car accidents, including your own and those of anyone else involved. Expenses may include hospitalizations, exams, surgeries, long-term rehabilitation, and more.

Companies charge high-risk drivers more

Insurers adjust your rates based on how much they predict they will have to pay for your damages. High-risk drivers with traffic violations, accident histories, and poor credit scores typically receive higher rates.

Many events besides wrecks can damage your vehicle

Theft, vandalism, and weather events can also damage your car. If your policy includes comprehensive coverage, your insurer will help you pay for these damages.

Your location affects your rates

Drivers in cities with heavy traffic, crime rates, and severe weather patterns typically must pay higher auto insurance rates due to the increased property damage risks.

Policies cover more than you think

Many auto insurance policies include specialty coverage extensions for things like roadside assistance, rental cars, and more.

Choosingan Auto Insurance Plan

You can choose between the following types of policies when building your auto insurance plan:

  • Liability coverage
  • Comprehensive coverage
  • Collision coverage
  • Uninsured and underinsured motorist coverage
  • Medical payments coverage
  • Personal injury coverage

People combine multiple policy options from the list above to cover as many bases as possible. For example, you can purchase liability, comprehensive, and collision coverage to protect your vehicle and finances if you hit another driver. Then, you can add on uninsured coverage in case someone without insurance hits you.

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Do Drivers Need
Car Insurance?

Yes, all drivers should have auto insurance before getting behind the wheel. The potential costs of an accident, combined with legal requirements, make driving without insurance a recipe for disaster.

Understanding the different reasons why you need auto insurance can help you pick a policy that aligns with your coverage requirements. The top four reasons why drivers need auto insurance include the following:

Most Countries Require Auto Insurance

Most countries require drivers to have a minimum amount of liability coverage to pay for damages they cause to other drivers. Every country with this requirement mandates that you have both bodily injury and property damage liability coverage.

The amount of liability coverage you need varies on the location. If you do not adhere to coverage requirements, you may face a fine license suspension, vehicle impoundment, and out-of-pocket damage fees.

In some cases, drivers are required to carry uninsured motorist coverage and underinsured motorist coverage.

Insurance Can Cover Medical and Property Costs

Paying for a car accident out-of-pocket isn’t feasible for many drivers. With multiple expensive vehicles involved and bodily injuries, the total can quickly reach six figures. Being on the hook for 100% of these costs can ruin your financial future.

No one wants to use their life savings to pay for a car accident, and with insurance, you don’t have to. A full-coverage auto policy means you can rely on your insurance company to protect your best financial interests after any accident.

Insurance Can Prevent Accident Lawsuits

Car accident lawsuits frequently happen when a responsible party cannot or will not pay their share of the repair costs after an accident. When a case goes to court, you must pay much higher legal fees. You may also face damages for things like pain and suffering or income losses that you could have avoided otherwise.

Auto insurance helps you pay for any damages you cause upfront to avoid legal complications and excessive costs. We recommend purchasing a policy that adheres to the necessary requirements and fulfills your coverage needs to avoid payment gaps.

Auto Insurance Provides Investment Peace of Mind

When you purchase a vehicle, you drive as safely as possible to protect your investment and well-being. Unfortunately, many external factors can put you and your property at risk. You cannot control other drivers, the weather, or crime.

Auto insurance protects your financial investment. If anything happens to your vehicle while you have comprehensive and collision coverage, you can receive the finances necessary to recover.

Why Use Insurdinary to Compare Car Insurance Quotes?

Understanding legal requirements, comparing coverage options, and finding an auto policy for your needs can feel overwhelming. At Insurdinary, we do the heavy lifting for you so you can easily compare the top auto insurance quotes for your needs in just a few simple steps.
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Getting quotes from individual insurance agencies can take ages.

We compile all of your top options so you can compare rates side by side to find the most affordable price for your coverage needs.
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Receive Affordable Rates

The best way to find affordable car insurance is by comparing rates from leading auto insurance providers.

If you want to receive locked-in offers from the top insurers in your area, we’re your go-to source!
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Apply Easily

Applying to receive quotes from multiple insurers doesn't have to involve endless paperwork.

At Insurdinary, you can sign up and apply for free in just a few minutes to receive quotes from all the top insurers.

How to Pick and Personalize Your Auto Plan

With Insurdinary, you can view policy details for each of your top plan options for easy side-by-side comparisons. Understanding how to weigh these details to select the right plan for your needs can still be challenging.

To help you navigate the decision process, we discuss a few primary considerations you should keep in mind below when analyzing policies.

Understanding Rates

Auto insurance rates vary for every individual. You could pay as little as $30 a month or over $150 depending on your risk factors, location, and history.

The top factors affecting your quoted rates include the following:

  • Your driving record
  • Your location
  • Your coverage history
  • The type of vehicle you drive
  • Your driving habits
  • Your car’s safety features
  • The deductible you choose
  • The amount of coverage you purchase

Insurance companies use prediction methods to assess your coverage risks when creating your quote.

Because every insurance company has a proprietary method for creating rates, you may receive largely different quotes between organizations, even for the same coverage amount.

Comparing Deductibles

All auto insurance policies include deductibles. A deductible is how much you have to pay out of pocket before insurance kicks in and covers the rest.

For example, if you have a $500 deductible and a tree falls on your car, you will have to fulfill $500 before the insurance company pays for the rest of the damages. Deductibles work per claim. If you fulfill your deductible once, you will have to pay it again for any additional claim you file.

Plans with high deductibles typically cost less per month, while low-deductible plans come with higher monthly premiums.

Picking the Right Coverage Add-ons for Your Needs

Aside from the primary types of auto coverages, like liability, collision, and comprehensive, you can add many extensions to your plan. A few popular options include the following:

  • Glass coverage: Covers windshield and window damage
  • Roadside assistance: Provides emergency roadside assistance and towing
  • New-car replacement: Provides you with the new-car value rather than the depreciated value if your vehicle is beyond repair
  • Mechanical breakdown insurance: Covers repair costs for vehicle issues not related to accidents, like a mechanical breakdown
  • Rental reimbursement: Covers rental car needs during vehicle repairs
  • Rideshare insurance: Protects drivers who work for rideshare companies, like Uber and Lyft
  • Gap insurance: Covers any financial gaps between your vehicle’s totaled value and remaining loan debt

Picking Budget-Friendly Plans

The best way to find a budget-friendly auto insurance plan is by comparing all of your options.

If you only receive a quote from a single insurer, you will likely pay more than you need to. By comparing rates, you can receive better coverage at lower prices.

Auto insurance rates fluctuate greatly based on location. One company could offer the cheapest rates in California with the most expensive plans in New York.

You can find the best rates for your needs by using our quote comparison tool. We send you customized offers directly to your inbox in moments so you can easily pick a plan that works with your coverage and budget needs.

Keeping Auto Insurance Costs Low

For most cases, you cannot avoid paying for auto insurance, but you can reduce your rates by using our tips below:

  • Increase your deductibles. High deductibles typically offer lower premiums, though you should prepare to pay more if you need to repair your car.
  • Sign up for a safe driving program. Many insurers now offer discount programs that require you to use a device to track your driving habits.
  • Ask for discounts. You may receive discounts for different affiliations or even your age or good grades in school for student drivers. We recommend asking your representative about discount options.
  • Complete a defensive driving course. Defensive driving courses can reduce your rates.
  • Bundle your policies. You may save by bundling your home and auto insurance or by combining policies with other family members.
  • Improve your credit. Poor credit scores impact your rates, so improving your financial status can offer rebounding effects.
  • Drive safely. The better driving history you have, the lower rates you'll pay

Picking the Right Auto Insurance Coverage for Your Needs

Are you unsure which types of coverage you need on your auto policy? Juggling legal requirements, monthly budget limitations, risk evaluations, and more can make it challenging to understand the right coverage for you and your loved ones. With insurance companies now offering dozens of add-on options, creating your plan can feel mind-boggling.

At Insurdinary, we want to help you find a plan that covers everything you need with nothing you don’t. We know you don’t want to pay extra for coverage you won’t use, so we make it easy to filter plan options.

When comparing Insurdinary quotes, as mentioned above, you can narrow results based on the following coverage options:
Get coverage for:
Liability coverage
Glass coverage
Collision coverage
Roadside assistance
Comprehensive coverage
New-car replacement
Uninsured and underinsured motorist coverage
Mechanical breakdown insurance
Medical payments coverage
Rental reimbursement
Personal injury coverage
Rideshare insurance
Gap insurance
And More...
Different insurance providers may provide more coverage options beyond this list, so we recommend comparing quotes to customize your coverage.
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Car Insurance
Frequently Asked Questions (FAQ)

At Insurdinary, we know that selecting an auto insurance policy is a big decision, so you likely have a few more questions. Review answers to some of the most frequently asked auto insurance questions below to confidently select your new plan.

How Can I Narrow Down My Auto Insurance Plan Options?

When you compare rates using Insurdinary, you’ll receive a list of your top few options. So, how can you decide which offer to choose from this list? We recommend considering the following two critical points:

  1. Coverage that will cover enough of any accident expenses
  2. Premiums you can afford to pay for each month

What Does Auto Insurance Cover?

Auto insurance coverage varies based on the plan you create. The most basic plans include liability coverage which pays for damages you cause to others, collision coverage which pays for your property, and comprehensive coverage, which extends to non-collision-related accidents. You can add on dozens of extensions from here until your plan fits your exact coverage preferences.

With Insurdinary, you can customize your auto insurance search to only look for plans that include your coverage requirements.

How Can I Reduce My Auto Insurance Premiums?

We recommend the following tips for reducing auto insurance premiums:

  • Compare offers: You don’t need to select the first policy you find. Compare rates with Insurdinary to find the most affordable option for your needs.
  • Request discounts: Many insurers offer discounts that can lower your premiums if you ask. For example, you may get a discount for being a veteran or a student.
  • Bundle policies: Combining family policies or bundling home and auto insurance can help you reduce rates.

When Will I Receive Auto Insurance Quotes After Completing the Insurdinary Questionnaire?

You will receive auto insurance quotes directly to your inbox within just a few minutes of completing our questionnaire.
Find customized auto insurance policies that meet your coverage needs for the lowest prices available with Insurdinary. Compare quotes for free with no added fees in just a few simple steps. Cut costs on your auto insurance policy today using our quote comparison tool at Insurdinary!
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