Why Compare Auto Insurance Rates?
Auto insurance rates vary dramatically between carriers — sometimes by hundreds of dollars per year for the exact same coverage. OwlQuotes.com makes it easy to compare rates from top carriers across all 50 states in just minutes, completely free.
What Does Auto Insurance Cover?
- Liability coverage. Pays for injuries and property damage you cause to others. Required in most states.
- Collision coverage. Pays for damage to your vehicle from a collision.
- Comprehensive coverage. Covers theft, vandalism, weather damage and other non-collision events.
- Uninsured motorist coverage. Protects you if you're hit by an uninsured driver.
- Medical payments coverage. Helps pay medical expenses after an accident.
- Roadside assistance. Covers towing and emergency services.
What Factors Affect Your Auto Insurance Rate?
- Your driving record. Clean records get the best rates.
- Your vehicle. Make, model, age and safety features all matter.
- Your location. Urban areas typically have higher rates.
- Your age. Young and senior drivers often pay more.
- Your credit score. In most states, better credit means lower rates.
- Coverage level. More coverage means higher premiums.
Tips to Lower Your Auto Insurance Premium
- Compare quotes from multiple carriers every year
- Bundle auto and home insurance with the same carrier
- Ask about discounts — good driver, good student, multi-car
- Raise your deductible to lower your monthly premium
- Maintain a clean driving record
- Drive a vehicle with good safety ratings
At OwlQuotes.com, our free comparison tool makes it easy to find the best auto insurance rate for your situation. Compare quotes from top carriers and start saving today.
Auto Insurance FAQs
How much auto insurance do I need?+
At minimum you need your state's required liability coverage. If you have a loan or lease, your lender will require comprehensive and collision coverage as well.
How often should I compare auto insurance rates?+
We recommend comparing rates at least once a year, or whenever you have a major life change — new vehicle, moving, marriage, or adding a driver.
Will comparing quotes affect my credit score?+
In most cases, no. Getting an auto insurance quote typically uses a soft credit inquiry which does not affect your credit score.
What is the cheapest auto insurance?+
The cheapest option varies by driver, location and vehicle. The only way to find the best rate for your situation is to compare quotes from multiple carriers.
