Calculate Your Auto Insurance Rates
How do you calculate your auto insurance rates? One tool used to calculate your auto insurance rates yourself is by using a car insurance calculator. Insurance calculators use basic information about yourself, your vehicle, and your driving history to calculate your potential insurance rates with different providers.
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UPDATED: May 3, 2021
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As little as 10 years ago, shopping for auto insurance could be quite a fiasco. It was much harder to compare quotes, which meant finding appropriate coverage at a price you could afford certainly wasn’t as easy as it is today. Now, we have access to a seemingly endless library of information on the internet, with a variety of online tools that make it easy to pinpoint the best deals.
One such tool is car insurance calculators, which use basic information about yourself, your vehicle, and your driving history to calculate your potential insurance rates with different providers. Insurance calculators are designed to be simple, so anyone with access to a computer can benefit from them. The process is streamlined, created to help you decide how much coverage you need and what features and coverage types would benefit you the most. After calculating rates and building the right policy, calculators will connect you with several highly qualified car insurance providers, all at competitive rates.
How Do Car Insurance Calculators Work?Calculators have evolved from the days of only solving simple math equations. Nowadays, car insurance calculators can tell you how much your ideal auto insurance policy will cost.
The best way to explain these calculators is to show you. At the top of this page is a calculator which you can use to compute your insurance costs and compare insurance quotes. Try it out! It only takes a few minutes. When you’re done, come back and we’ll explain how our calculator works.
The first step is to answer a series of questions which are designed to help us find the best insurance company for you. The following three questions explain what information you’ll need to provide, and why.
- Who Can Insure Your Car? Right off the bat, some basic information is needed to determine your state’s insurance requirements and to match you with all auto insurance companies that offer you coverage, both local and national. This usually requires your zip code and basic details about yourself, such as your name, sex, address, and date of birth.
- What Car Do You Have? Just like insurance for anything else, companies need to know what they’re insuring. That’s why the next step will ask you for basic information about the car you wish to insure. This includes make, model, year, and mileage.
- How Well Do You Drive? Insurance companies care about accident history and traffic violations, because previous driving records are needed to calculate your insurance premiums.
After analyzing the data you entered, our tool searches for auto insurance coverage packages that not only meet the legal requirements of your state but also fit your personal needs. We will then present you with a list of coverage options. All of them are trustworthy and highly regarded insurance companies that are licensed to operate in your area. Special discounts and other savings will automatically be figured into the price. By offering policies that come from vetted insurance providers, we hope to save you some of the stress of choosing an auto insurance provider. After all, you can’t go wrong if every insurance company on our list is both affordable and reputable!
Once you choose a car insurance policy, the final step is to sign up with the insurer and get coverage. After submitting your application, along with a payment method, most insurers will immediately give you proof of coverage in the form of an online insurance card. You can simply print this card out at home and place it in your vehicle’s glove compartment. A few days later, the insurer will send you a welcome package in the mail that includes legal paperwork, the details of your policy, and other insurance information.
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As you can see, online insurance calculators are much faster than the traditional method of buying auto insurance. It was so annoying to call multiple insurance companies and deal with being put on hold every time. Worse was visiting all your local insurance providers, which could take days waiting in offices. Those outdated methods were time-consuming and expensive.
By comparing quotes online, you can easily find a low price for the perfect coverage because when auto insurance companies compete for your business, they have no choice but to offer you their best rates. Many people who use our calculator save 30% or more on their auto insurance premiums. To see how much you can save, scroll back up to the top of this page and test it out, if you haven’t already!