Auto Insurance Companies That Rate Drivers Individually
You can find affordable auto insurance companies that rate drivers individually online. This means that even your next-door neighbor who owns the same vehicle, but who also has a terrible driving record, could pay higher rates than you despite being insured with the same company. You can score auto insurance rates from auto insurance companies that rate drivers individually that are as low as $200/month.
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UPDATED: Sep 21, 2021
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- Most insurance companies calculate rates using an individual’s personal driving history and other personal factors
- Drivers in the same neighborhood with the same vehicle may pay different rates depending on their driving records
- Drivers can shop online to find an insurance company that fits their specific needs
If you’re on the hunt for great auto insurance, you’ll be happy to learn that you can find affordable auto insurance companies that rate drivers individually.
This means that even your next-door neighbor who owns the same vehicle as you may be paying a different rate despite being insured with the same company.
Most major insurance companies design their auto insurance rates for drivers as individuals and use important factors about your life to calculate your rates.
In this day and age, you can even find insurance coverage, pay per mile specifically, that only charges you for how far you drive. What’s even more exciting is that auto insurance quotes from auto insurance companies that rate drivers individually can be requested online for free.
Enter your ZIP code to get free quotes from auto insurance companies that rate drivers individually in your city.
How are auto insurance premiums calculated?
You’ll notice that you’ll need to fill out some personal questions when applying for insurance online. There’s a simple reason for that.
Insurance companies care a lot about you as an individual and want to learn about you. When an insurance company is deciding if it is going to provide you with insurance, it needs to ascertain just how much of a risk you would be to insure.
Each insurance company has its own auto insurance calculator and inputs specific information into it so it can properly calculate your rates. Here are some personal factors that affect auto insurance rates:
- Your credit score
- Your age
- Your sex
- Your vehicle’s make and model
- Your education level
- Your location
- Your driving history
If you have good credit and a great driving record, you can score excellent auto insurance rates from auto insurance companies that rate drivers individually.
Now that you know how an insurance company calculates rates, let’s take a look at some of the best companies in today’s market.
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The Best Auto Insurance Companies for Individuals
When you go to buy auto insurance from auto insurance companies that rate drivers individually, you may be shocked to find some of the biggest names in the insurance industry also offer some of the best rates.
Just take a look at how the average rates of major insurance companies measure up to each other:
|Insurance Company||Low Coverage Average Annual Auto Insurance Rates||Medium Coverage Average Annual Auto Insurance Rates||High Coverage Average Annual Auto Insurance Rates|
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As you can see, your rates can also be affected by the amount of coverage you have on your vehicle. Now, if you want to make sure you’re driving with the best level of protection while getting the best price, there are a few things you can do to achieve those goals.
How Drivers Can Save on Their Rates
You can take matters into your own hands when it comes to your rates by making sure every available discount you qualify for has been added to your policy. Discounts can help make the best insurance accessible to everyone.
Review this list of discounts offered by major insurance companies to make sure you’re not missing out on great saving opportunities:
|Auto Insurance Discounts||Allstate (%)||American Family (%)||Farmers (%)||GEICO (%)||Liberty Mutual (%)||Nationwide (%)||Progressive (%)||State Farm (%)||Travelers (%)||USAA (%)|
|Adaptive Cruise Control||N/A||N/A||N/A||N/A||5||x||x||N/A||N/A||N/A|
|Daytime Running Lights||x||x||x||1||5||5||x||N/A||x||x|
|Electronic Stability Control||x||x||x||N/A||5||x||x||N/A||N/A||N/A|
|Forward Collision Warning||N/A||N/A||N/A||N/A||5||x||x||N/A||N/A||N/A|
|Lane Departure Warning||N/A||N/A||N/A||N/A||x||x||x||N/A||N/A||N/A|
|New Customer/New Plan||N/A||N/A||N/A||N/A||x||N/A||N/A||N/A||N/A||N/A|
|On Time Payments||x||N/A||N/A||N/A||N/A||N/A||N/A||N/A||15||N/A|
|Seat Belt Use||N/A||N/A||N/A||15||N/A||N/A||N/A||N/A||N/A||N/A|
|Students & Alumni||N/A||x||N/A||x||10||7||N/A||N/A||N/A||N/A|
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While discounts provide an excellent way to save money, some of the best steps you can take to lower your rates include following safe driving practices and maintaining a great credit score.
Auto Insurance Companies That Rate Drivers Individually: What You Need to Know
Most insurance companies rate drivers on an individual basis to properly calculate how much of a risk insuring those drivers will be.
This means you can earn great rates based on the merits of your excellent driving abilities; however, you can also face increased rates if you have a long history of accidents and bad credit.
Discounts can help offset the cost of your rates, but you should always shop around when looking for a new auto insurance company; auto insurance companies that don’t rate drivers individually could be very expensive so get at least three quotes to make sure you’re getting the best deal.
Don’t wait to find cheaper insurance. Enter your ZIP code to receive free quotes from auto insurance companies that rate drivers individually today.