168极速赛车在线开奖官方网站 168赛车官方网站 168极速赛车开奖记录查询 Compare Car Insurance Rates Now

A reliable car and affordable car insurance aren’t always easy to come by, but both are necessities for a comfortable quality of life.

But, how much insurance do I need for my car?

Luckily, you have an array of options for both. A review of your monthly budget is needed first. Not every car is the same; not every car insurance policy is the same.

In fact, the one factor that affects your 极速赛车 car insurance rates the most is not the car you choose to drive — it’s where you live.

You’ve come to the right place to make the best decision.

Enter your ZIP code above to start comparing free car insurance quotes. With our tool, you can compare car insurance rates from the country’s leading car insurance companies — all specific to your location and vehicle.

However, it doesn’t stop at choosing a car insurance company; there’s much more to learn about what affects your rates, the types of coverages best suited for you, laws in your state, and, of course, how to lower your car insurance costs.

Keep reading this guide to get a top-level view of the factors that affect your car insurance rates as well as everything you need to know to buy good but cheap car insurance.

What factors affect your car insurance rates the most?

State Laws

Every state in the U.S., except for Virginia and New Hampshire, requires at least a minimum amount of liability coverage. Liability coverage protects you in NO way; this type of coverage protects only other people or property to which you cause harm or damage.

The majority of states are tort, meaning, anyone who is found at fault in a court of law must pay for all or a percentage of injuries and damages.

Most tort states have negligence laws in place to prevent a large amount of cases being taken to court unnecessarily.

A few states are considered “no-fault” states. These states (such as Michigan and Florida) aim to keep all cases at bay and require drivers to turn to their own insurance companies for reimbursement for injuries and damages — to themselves and others — regardless of who caused the accident. Other states offer a choice no-fault option.

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