Comparison Car Insurance Quotes
SAVE An Average Of $796/Year On Your Car Insurance Today!
How does getting 50% in potential discounts on car insurance sound to you? Bundle multiple policies with us and you can get just that. In addition to car insurance, the types of policies we offer include home coverage for Wisconsin, Illinois, Georgia, Arizona, Indiana and Ohio and more areas nationwide. It all starts when we run a comparison of car insurance quotes for you.
Why Comparison Insurance Quotes Is The Right Choice For Car Insurance?
We have worked in the insurance industry since 1969 and have developed a sterling reputation.
Delivering exemplary customer service, in a personal way, is a top priority.
Choose from about 20 different insurance providers.
Our loyalty is to you – not the insurance providers.
Save time and money with the ability to manage all of your insurance policies from one place.
We are able to put you first, ahead of our insurance providers, because we are independent agents. For this same reason, we can offer you a wide range of policies, levels of coverage and rates. No two people have the exact same situation. In order to truly be effective, your car insurance coverage in areas such as Indiana, Wisconsin, Ohio, Illinois, Georgia, and Arizona should reflect that. We take your individual needs into account when we run a comparison of car insurance quotes for you.
In addition to offering the best coverage and rates, we take pride in delivering the highest level of customer service. This means meticulously customizing your coverage, responding promptly when you need something, making our staff available 24/7 to you through various channels, staying by your side from the beginning to the end of the claims process and providing the most knowledgeable service by committing our staff to continued education.
Getting personal is important to us because we recognize that you are a person with needs, desires, concerns and family to protect. Therefore, we will get to know you and you will know exactly who you are speaking to when you contact us. This keeps us accountable and makes your interactions with us pleasant.
We work for you, not the insurance companies!
Different Types of Car Coverage
We take the guesswork out for you by running a full comparison of car insurance quotes and breaking down the different types of coverage that you’ll need for your specific needs.
Helps cover expenses that occur as a result of an accident that causes injury, death or property damage
Provides financial assistance with the money required to repair damage to your car or the destruction of your car
Covers the cost of repairing your car when events such as theft or storms inflict damage on it
Uninsured & underinsured motorist
Protects you if the other driver is at fault and doesn’t have insurance by paying to repair your car
Medical payments coverage
Covers the cost of medical expenses for injured passengers or yourself & funeral expenses if someone dies in the accident
Personal umbrella policy
Expands your liability coverage to protect you beyond your other underlying limits
Personal injury protection
Takes care of your medical bills if you are injured in a covered accident
Property protection coverage
Provides financial assistance if you damage someone else’s property and need to pay to repair it
Covers the cost of common roadside services if your car experiences a breakdown while on the road
Sound system insurance
Provides financial assistance to replace stolen video or audio equipment
Car Insurance Minimum Requirements By State
Each state imposes its own liability requirements. Insurance rates differ from state to state, as well. Here are the facts about liability requirements in a few of the nation’s tops states such as Georgia, Arizona, Wisconsin, Illinois, Ohio and Indiana:
Wisconsin’s minimum liability requirements:
Wisconsin requires all of its residents who operate a motor vehicle to carry bodily injury, property damage, and uninsured motorists coverage.
Underinsured motorist bodily injury and medical payments are optional.
The average car insurance rate in Wisconsin:
$664.81 per year
It is 33.7% lower than the national annual average.
The state of Wisconsin operates under a tort system. This requires fault to be established in all car accidents that occur.
Illinois’ minimum liability requirements:
Illinois requires residents to carry bodily injury, property damage, uninsured motorist bodily injury and underinsured motorist bodily injury coverage.
Collison coverage, comprehensive coverage, medical payments and uninsured motorist property damage coverage are optional.
The average car insurance rate in Illinois:
$803.64 per year
It is 10.4% lower than the national annual average.
The state of Illinois is an at-fault state. The person who is at fault in a car accident is responsible for compensating those who suffered as a result of it.
Arizona’s minimum liability requirements:
Drivers in Arizona must carry bodily injury and property damage coverage.
Physical damage, uninsured/underinsured motorist and medical payments coverage are optional.
The average car insurance rate in Arizona:
$843.92 per year
It is 19.75% lower than the national average.
Arizona is an at-fault state. Fault must be established for all accidents.
Indiana’s minimum liability requirements:
Indiana residents who operate a motor vehicle are required to carry bodily injury and property damage coverage.
Uninsured motorist and underinsured motorist bodily injury coverage are optional.
The average car insurance rate in Indiana:
It is 33.4% lower than the national average.
Indiana is an at-fault state. The person who causes an accident is responsible for compensating those involved financially.
Ohio’s minimum liability requirements:
Ohio drivers must carry bodily injury and property damage coverage.
Physical damage, uninsured/underinsured motorist and medical payments coverage are optional.
The average car insurance rate in Ohio:
$702.59 per year
It is 26.5% lower than the national average.
Ohio is a Tort state, meaning that the driver at fault must pay the medical expenses incurred by victims of the accident.
Georgia’s minimum liability requirements:
Georgia motorists are required to carry bodily injury liability and property damage liability.
Uninsured motorist coverage and medical payments coverage are optional.
The average car insurance rate in Georgia:
$1,388 per year
It is 2.8% lower than the national average.
Georgia is an at-fault state. The person responsible for causing the accident must provide financial compensation to those involved in the accident.
FAQs About Car Insurance
What Affects My Car Insurance Rates?
Driving record is one of the most influential factors no matter if you live in Illinois, Wisconsin, Ohio, Georgia, Arizona, Indiana or another state. The better your record, the lower your rate, and vice versa. You will also be rewarded for a high credit score and penalized for a low credit score.
Other factors such as where you live, your marital status, age and gender also determine your rate. The vehicle you are insuring makes a difference, as well. Its safety rating, size and age, plus the likelihood it will get stolen, help determine your rate.
Your rate can increase over the course of your policy due to certain factors like a rise in drivers on the road, spike in driving incidents that occur due to distracted drivers and higher medical and auto repair costs.
Which Car Insurance Terms Should I Learn?
- Premium – The fee you pay a car insurance carrier annually, every six months or monthly to receive coverage and payment of claims.
- Deductible – A set amount of money you are required to pay before your insurance company covers the remaining balance of a claim. A low deductible usually means a high premium and vice versa.
- Bodily injury liability – Strictly covering other vehicles, this coverage protects you if you are responsible for an accident that harms or kills someone in another vehicle. You will separate coverages for your passengers and yourself.
- Limit of liability – Dictated by your policy, this is the maximum amount your insurance company can pay for coverage.
- Personal injury protection coverage – This coverage offers protection if you cause an accident that harms or kills your passengers or yourself.
- Collision coverage – This type of coverage pays repairs associated with damage that occurs as a result of hitting another object or vehicle.
- Comprehensive coverage – Financial assistance is offered by this type of coverage kicks in if an event such as a falling object, natural disaster or theft damages your vehicle.
- Property damage coverage – This type of coverage provides protection if you damage another person’s vehicle or property with your car.
- Uninsured motorist coverage – This coverage protects your passengers and yourself if an uninsured driver hits your car and injures you (bodily injury). Additionally, it covers damage sustained by your car (property).
How Do I Compare Car Insurance Quotes?
When making a comparison between car insurance quotes whether you are from Wisconsin, Illinois, Arizona, Indiana, Ohio, Georgia or elsewhere, you always take into account coverage limits, set of coverages, coverage period and deductibles. Each and every one of these factors influence the cost and must be considered in order to get an accurate comparison. Also, keep in mind that a low deductible means a higher insurance rate and vice versa.
The features of each policy are critical. It is imperative, for your protection, that the policy meets state minimum requirements and serves your own individual needs. Do not assume any items are included in the policy; double check to make sure they do not come with a fee.
We saved almost $4,500 last year and we had an amazing year. We had been really tight on funds and really stressed before last year. Saving money on our car insurance allowed us to relax a little more, which meant enjoying time with family. We were able to pay off a large portion of our debt, which is setting our family up for even more success this year!