Car Insurance Costs

I'm moving from TX to WA, where car insurance is a lot more expensive. Why is it so much and what can I do to lower my premium?

Insurance is regulated on the state level and every state has its own insurance laws. For example, Michigan residents are well-known to pay the most expensive premiums in the country due to the state's coverage requirements, which include unlimited medical coverage for the lifetime of car accident victims. Interestingly, our data suggest that the average rate in Washington is slightly less than the average in Texas ($1,368 versus $1,415, respectively).

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Coverage & Claims

Do I need to report a claim I filed if the homeowner didn't follow up with it?

Thanks for the question. If the claim was never paid out, you don't really need to mark it down as an accident.

Eligibility

Will my credit be run and/or impacted if I get insurance quotes from The Zebra?

Your credit is not run when you're in the shopping-around-stage for insurance quotes. It's only when you finalize your policy that your new insurer will run a soft credit check.

Car Insurance Costs

I am a 24 year old new driver. What should I expect the range of prices for car insurance should be?

The average 24-year-old in NY paid $2,431.57 for car insurance last year. However, this will no way reflect how much you pay.

Car Insurance Costs

I would like car insurance for around 40 to 60 per month

Although lots of car insurance companies advertise "name your price tools," it doesn't really work that way. Your car insurance quote is based on a driving profile made of driving and non-driving factors.

Car Insurance Costs

If I'm on social security can that lower my car insurance

Unfortunately, your income isn't a rating factor for your car insurance. While there are some programs that can help you, outlined here, I don't know any based in Louisiana.

Coverage & Claims

Insuring a vehicle owned by someone else

Most car insurance companies require you have an insurable interest in the vehicle. So, if you are purchasing the vehicle and thus will own it, you shouldn't have a problem getting car insurance.

General Insurance

Monetary penalty after not having insurance?

Your insurance history is a rating factor for determining your insurance premium, so yes, there will probably be some monetary impact for this. However, it's unlikely it will be too expensive.

General Insurance

Where can I get classic car insurance?

While we do not provide classic car insurance, you can find some quotes with these companies: Hagerty Insurance Grundy Insurance American Collectors Safeco State Farm American Modern
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