Compare Auto Insurance Quotes
Find the best auto insurance policy for your needs with JG Wentworth marketplace. Compare quotes quickly and make informed decisions to protect your vehicle and wallet.
Progressive
Product details
Various discounts to maximize savings
Reasonable rates for credit challenged customers and those with a driving record
Gap insurance options available
Offers accident forgiveness and vanishing deductibles
Rates can be higher than other providers, but relative to the coverage provided
Usage-based program available but conditionally
Geico
Product details
Discounts available for a variety of factors - good drivers, teens, seniors, drivers with a spotty driving record
Accident forgiveness
Usage based programs available
Excellent claims handling and customer satisfaction
Discounts for bundling home and auto, but not as substantial as other providers
Does not offer new car replacement, vanishing deductible or rideshare insurance
State Farm
Product details
Aggressive renewal discounts to encourage customer loyalty
Highly rated service and efficient claims handling
Usage-based programs available
Fewer customer coverage options than other providers
USAA
Product details
Rates are very competitive, however only available for active military members, veterans, and families of military personnel
Highly rated service and fast claims handling
Discounts available for good driving, teens, seniors and drivers with past history of driving issues
Accident forgiveness and new car replacement options
Usage-based program options available
Discount available for bundling home and auto, however not as substantial as other providers
Allstate
Product details
Known for being easily accessible and efficient in opening a new policy
Robust options for coverage and beefy benefits
Highly rated service with a low number of complaints reported
Prices are higher, but relative to the coverage provided
Nationwide
Product details
Affordable rates for credit challenged customers and those with limited driving history
Accident forgiveness, new car replacement and vanishing deductible options available
Pay-per-mile program available for those with lower usage
Higher rates, relatively, for minimum coverage, or for drivers who have a poor driving record
American Family
Product details
Highly rated service and efficient claims handling
Accident forgiveness and vanishing deductible options
Gap insurance for new car owners
Usage based program for good drivers
Rates are typically higher than other providers for young drivers and seniors
Travelers
Product details
Reasonable rates and relative to the coverage provided
Accident and minor violation forgiveness available
Usage-based programs available
Higher than average rates for teens and seniors
Not known for superior customer service, but a low level of complaints reported
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There are several factors which influence the cost of your auto insurance premium. The most common ones are:
- Make / model of your vehicle: Luxury vehicles and exotic cars tend to cost more to cover, simply because they cost more to repair. Additionally, the more desirable a vehicle is, the more prone it is to being stolen.
- Zip code: More densely-populated areas statistically have more theft, vandalism, and accidents, so your zip code will affect your premium one way or another.
- Vehicle age: While older cars are less expensive to purchase, they will likely incur higher premiums based on their lack of modern safety standards.
- Your driving record: It’s to be expected that your accident history will have a direct impact on your premium. The more accidents, the higher the premium.
- Additional drivers: Adding new drivers to your policy, whether it be a spouse or child, will usually increase your rates. That said, many insurance companies will offer married couples a discount for sharing a vehicle.
Now that you have a clearer understanding of the factors that impact your premium, let’s take a look at the main types of auto insurance you can choose from:
Liability: Auto liability coverage is mandatory in most states and has two components:
- Bodily injury: Helps pay for costs related to another person’s injuries should you be at fault.
- Property damage: Likewise for any property damage you may cause.
Uninsured / Under-insured: If you’re hit by a driver who doesn’t have insurance (or whose policy lacks enough coverage) this will help pay for your medical bills, and in some cases, repairs to your vehicle.
Comprehensive: This type of coverage comes with a deductible (amount you pay out of pocket) and helps pay for damage to your vehicle caused by perils such as theft, fire, weather, or vandalism. It may also cover replacing your vehicle should it become a total loss, up to it’s cash value.
Collision: If you’re involved in an accident with another vehicle, or hit an object such as a fence, this coverage will help pay for any repairs or replacement (up to your vehicle’s cash value).
Medical payments: This coverage will help pay for any medical bills for yourself or any passengers in the event of injuries sustained in an accident. Covered costs may include things such as hospital visits, x-rays, surgery, and more.
Personal injury: Also known as PIP (personal injury protection), this type of coverage is only available in certain states. In addition to a medical payments policy, PIP may also help cover expenses incurred by an accident such as childcare or lost income.
Auto insurance companies offer a variety of discounts to policyholders to help reduce their insurance premiums. These discounts can vary between insurance providers, but here are some common discounts that are typically available:
- Multi-Policy Discount: Also known as a bundling discount, this is offered when you purchase multiple insurance policies from the same company, such as auto and home insurance.
- Multi-Car Discount: If you insure more than one vehicle with the same insurance company, you may qualify for a multi-car discount.
- Safe Driver Discount: Offered to drivers who maintain a clean driving record without accidents or traffic violations over a specified period.
- Defensive Driving Course Discount: Completing a defensive driving or driver safety course may qualify you for a discount on your premium.
- Anti-Theft Device Discount: Installing anti-theft devices in your vehicle, such as alarms or tracking systems, can lead to a discount.
- Low Mileage Discount: If you drive fewer miles than the average driver, you may be eligible for a low mileage discount.
- Loyalty Discount: Staying with the same insurance company for an extended period may result in loyalty discounts.
- Military or Veteran Discount: Some insurers offer discounts to active-duty military personnel, veterans, and their families.
- Pay-As-You-Drive (PAYD) or Usage-Based Insurance (UBI): Insurance companies offer discounts to drivers who opt for PAYD or UBI programs, where premiums are based on actual driving data.
- Green or Fuel-Efficient Vehicle Discount: Driving an environmentally friendly or fuel-efficient vehicle may qualify you for a discount.
It's important to note that eligibility for these discounts can vary by state and insurance company, and the amount of the discount may also differ. To take advantage of available discounts and get the best rate on your auto insurance, it's a good practice to inquire with insurance providers about the specific discounts they offer and how you can qualify for them.