{"id":325356,"date":"2025-11-10T16:46:58","date_gmt":"2025-11-10T21:46:58","guid":{"rendered":"https:\/\/www.reviews.com\/?page_id=99074"},"modified":"2025-11-10T16:46:59","modified_gmt":"2025-11-10T21:46:59","slug":"buyers-guide","status":"publish","type":"page","link":"https:\/\/www.reviews.com\/insurance\/car\/buyers-guide\/","title":{"rendered":"Car Insurance Buyer&#8217;s Guide"},"content":{"rendered":"            <span class=\"b-toc-anchor\" id=\"guide\" title=\"Car Insurance Buyer's Guide\"><\/span>\n    \n\n\n<p>Car insurance protects you from paying out of pocket for injuries and damage after a crash. State rules differ: <a href=\"https:\/\/www.nh.gov\/insurance\/consumers\/documents\/nh_auto_guide.pdf\" target=\"_blank\" rel=\"nofollow noopener noreferrer\">New Hampshire<\/a> does not require every driver to carry auto insurance (financial responsibility rules apply if you cause a crash or once insured), while <a href=\"https:\/\/www.dmv.virginia.gov\/vehicles\/#insurance.asp\" target=\"_blank\" rel=\"noreferrer noopener\" aria-label=\" (opens in a new tab)\">Virginia<\/a> raised its minimums to 50\/100\/25 effective Jan 1, 2025 and ended the uninsured motorist fee\u2014making insurance effectively required for most drivers (see <a href=\"https:\/\/law.lis.virginia.gov\/vacode\/title46.2\/chapter3\/section46.2-472\/\">Code of Virginia<\/a>). Many states have updated minimums recently (e.g., <a href=\"https:\/\/leginfo.legislature.ca.gov\/faces\/billTextClient.xhtml?bill_id=202120220SB1107\">California 30\/60\/15 in 2025<\/a>), and some have unique frameworks such as <a href=\"https:\/\/www.flhsmv.gov\/insurance\/\">Florida<\/a> (PIP+PDL, no universal BIL requirement) and <a href=\"https:\/\/www.michigan.gov\">Michigan<\/a> (residual liability plus $1,000,000 PPI). Always verify your state\u2019s current requirements in the <a href=\"https:\/\/www.iihs.org\">IIHS state law database<\/a> and note the <a href=\"https:\/\/www.nj.gov\/dobi\/division_consumers\/insurance\/auto.htm\">New Jersey Basic vs. Standard policy<\/a> differences.<\/p>\n\n\n\n<p>To choose a company, combine customer\u2011experience data with financial strength. Review the latest J.D. Power insurance studies (e.g., the <a href=\"https:\/\/www.jdpower.com\/business\/press-releases\/2025-us-auto-insurance-study\">2025 U.S. Auto Insurance Study<\/a> and other <a href=\"https:\/\/www.jdpower.com\/business\/press-releases?category=insurance\">insurance press releases<\/a>) alongside AM Best\u2019s Financial Strength Ratings and outlooks via <a href=\"https:\/\/ratings.ambest.com\/\">AM Best<\/a>. Cross\u2011check service quality using the <a href=\"https:\/\/content.naic.org\">NAIC Insurance Complaint Index<\/a>. These complement third\u2011party award pages like <a href=\"https:\/\/www.jdpower.com\/awards\" target=\"_blank\" rel=\"nofollow noopener noreferrer\">J.D. Power<\/a> and insurer disclosures on their own sites, as well as <a href=\"https:\/\/www.ambest.com\/\" target=\"_blank\" rel=\"nofollow noopener noreferrer\">AM Best<\/a>.<\/p>\n\n\n            <span class=\"b-toc-anchor\" id=\"shopping\" title=\"Shopping for Car Insurance\"><\/span>\n    \n\n\n<h2 class=\"wp-block-heading\">Shopping for Car Insurance<\/h2>\n\n\n\n<h3 class=\"wp-block-heading\">When Should You Review Your Car Insurance?<\/h3>\n\n\n\n<p>Shop when your premium changes, at renewal, or after life events (new vehicle, moving, adding drivers). Auto insurance prices have climbed in recent years as claim costs rose; the CPI for motor vehicle insurance recorded sustained double\u2011digit year\u2011over\u2011year increases through 2024 (<a href=\"https:\/\/data.bls.gov\/timeseries\/CUUR0000SEAE\">BLS<\/a>). Higher repair costs and severe weather also contributed (<a href=\"https:\/\/www.cccis.com\">CCC Crash Course 2024<\/a>; <a href=\"https:\/\/www.ncei.noaa.gov\/access\/billions\/\">NOAA billion\u2011dollar disasters<\/a>), so re\u2011quoting periodically can surface savings.<\/p>\n\n\n\n<p>Re\u2011shop if your driving record, mileage, usage, or household drivers change\u2014or if your insurer offers telematics that could reward safe, lower\u2011risk driving. Many carriers now price with usage\u2011based programs and continuous driving data where allowed (<a href=\"https:\/\/risk.lexisnexis.com\">LexisNexis Auto Insurance Trends<\/a>).<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">Car Insurance Coverage<\/h3>\n\n\n\n<p>Your requirements for minimum liability coverage <a href=\"https:\/\/www.reviews.com\/insurance\/car\/state-requirements\/\">varies by state<\/a>, expressed as BIL per person \/ BIL per accident \/ PDL (for example, 25\/50\/25). Recent updates include <a href=\"https:\/\/leginfo.legislature.ca.gov\/faces\/billTextClient.xhtml?bill_id=202120220SB1107\">California at 30\/60\/15 in 2025<\/a> (scheduled to 50\/100\/25 in 2027) and <a href=\"https:\/\/law.lis.virginia.gov\/vacode\/title46.2\/chapter3\/section46.2-472\/\">Virginia at 50\/100\/25 in 2025<\/a>. States can also require PIP and\/or UM\/UIM (e.g., <a href=\"https:\/\/www.nj.gov\/dobi\/division_consumers\/insurance\/auto.htm\">New Jersey Standard policy<\/a> with PIP; <a href=\"https:\/\/www.flhsmv.gov\/insurance\/\">Florida<\/a> requires PIP+PDL; <a href=\"https:\/\/www.michigan.gov\">Michigan<\/a> includes residual liability plus $1,000,000 PPI). Verify current figures by state in the <a href=\"https:\/\/www.iihs.org\">IIHS state law database<\/a>.<\/p>\n\n\n\n<p>For apples\u2011to\u2011apples quotes, match your limits, deductibles, and add\u2011ons across providers and include any state\u2011required coverages (such as PIP or UM\/UIM). Because statutory minimums often fall short of typical crash costs, many experts suggest higher limits like 100\/300\/50 or 250\/500\/100 for added protection (guidance; not a legal requirement\u2014see your state\u2019s rules via <a href=\"https:\/\/www.iihs.org\">IIHS<\/a>).<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">Types of Car Insurance Coverage<\/h3>\n\n\n\n<ul><li><strong>Bodily injury liability<\/strong> &#8211; Pays other parties\u2019 medical costs, lost wages, and legal defense if you\u2019re at fault, up to your limit. State minimums are the legal floor; many drivers select higher limits for better protection (see <a href=\"https:\/\/www.iihs.org\">state minimums<\/a>).<\/li><li><strong>Uninsured\/underinsured motorist coverage<\/strong> &#8211; Protects you if the at\u2011fault driver has no insurance or insufficient limits. Several states require UM\/UIM; amounts and rules vary by state (confirm via <a href=\"https:\/\/www.iihs.org\">IIHS<\/a>).<\/li><li><strong>Medical payments<\/strong> &#8211; Helps pay medical or funeral expenses for you and your passengers regardless of fault. In some states, Personal Injury Protection (PIP) is mandatory and offers broader first\u2011party benefits (e.g., <a href=\"https:\/\/www.nj.gov\/dobi\/division_consumers\/insurance\/auto.htm\">NJ<\/a>, <a href=\"https:\/\/www.michigan.gov\">MI<\/a>, <a href=\"https:\/\/www.flhsmv.gov\/insurance\/\">FL<\/a>).<\/li><li><strong>Collision and comprehensive coverage<\/strong> &#8211; Collision covers damage to your car from a crash with another vehicle or object; comprehensive covers non\u2011crash perils like theft, hail, flood, fire, or animal strikes\u2014risks that have contributed to higher losses amid record severe weather (<a href=\"https:\/\/www.ncei.noaa.gov\/access\/billions\/\">NOAA<\/a>). Lenders\/lessors usually require both for financed or leased vehicles.<\/li><li><strong>Gap coverage<\/strong> &#8211; If your vehicle is totaled, gap can pay the difference between the insurer\u2019s settlement and what you still owe on your loan or lease.<\/li><li><strong>Roadside assistance<\/strong> &#8211; Provides services like towing, flat tire change, battery jumpstart, lockout help, and fuel delivery; check service limits and response areas.<\/li><\/ul>\n\n\n\n<h3 class=\"wp-block-heading\">Choosing a Provider<\/h3>\n\n\n\n<p>Keep your current policy active while you shop to avoid a lapse, which can trigger fines, license\/registration issues, or SR\u201122 filings in some states and lead to higher future rates. States that mandate insurance require proof upon request and impose penalties for lapses (see state DMV\/DOI and <a href=\"https:\/\/www.iihs.org\">IIHS<\/a>). Verify financial strength\u2014many advisors prefer an AM Best FSR of A\u2212 or higher\u2014using <a href=\"https:\/\/ratings.ambest.com\/\">AM Best<\/a>.<\/p>\n\n\n\n<p>Before switching, overlap coverage by a few days to ensure continuous protection. Compare carrier fit: agent\u2011centric choices like State Farm and Allstate offer local support, while GEICO and Progressive emphasize direct\/digital service; USAA serves eligible military families. If you\u2019re comfortable sharing driving data, ask about telematics such as <a href=\"https:\/\/www.statefarm.com\/insurance\/auto\/discounts\/drive-safe-save\">Drive Safe &amp; Save<\/a>, <a href=\"https:\/\/www.progressive.com\/auto\/discounts\/snapshot\/\">Snapshot<\/a>, and USAA\u2019s <a href=\"https:\/\/www.usaa.com\">SafePilot<\/a>; programs can reward safe, lower\u2011mileage driving (availability varies by state; see the <a href=\"https:\/\/content.naic.org\/cipr-topics\/usage-based-insurance\">NAIC overview<\/a>).<\/p>\n\n\n            <span class=\"b-toc-anchor\" id=\"understanding\" title=\"Understanding Car Insurance Premiums\"><\/span>\n    \n\n\n<h2 class=\"wp-block-heading\">Understanding Car Insurance Premiums<\/h2>\n\n\n\n<p>Policies are commonly written for six or twelve months and billed monthly or in full. Many insurers offer small administrative savings for paperless enrollment, autopay, or paying in full where allowed\u2014see examples on carrier pages like <a href=\"https:\/\/www.progressive.com\/auto\/discounts\/\">Progressive<\/a> and <a href=\"https:\/\/www.allstate.com\">Allstate<\/a>. Telematics\/usage\u2011based options can also influence your price by measuring actual driving (<a href=\"https:\/\/content.naic.org\/cipr-topics\/usage-based-insurance\">NAIC UBI overview<\/a>).<\/p>\n\n\n\n<p>What you pay reflects many inputs and broader market conditions. Insurers cite elevated repair, medical, and legal costs, plus catastrophe weather, as key reasons for rate pressure: the motor vehicle insurance CPI showed double\u2011digit annual increases through 2024 (<a href=\"https:\/\/data.bls.gov\/timeseries\/CUUR0000SEAE\">BLS<\/a>), repair costs hit new highs with longer cycle times (<a href=\"https:\/\/www.cccis.com\">CCC Crash Course 2024<\/a>), the U.S. recorded a record 28 billion\u2011dollar disasters in 2023 with elevated counts again in 2024 (<a href=\"https:\/\/www.ncei.noaa.gov\/access\/billions\/\">NOAA<\/a>), and traffic fatalities eased from 2022 yet remain above pre\u2011pandemic levels (<a href=\"https:\/\/www.nhtsa.gov\/press-releases\/2023-traffic-fatalities-estimates\">NHTSA<\/a>).<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">Car Insurance Premiums Factors<\/h3>\n\n\n\n<ul><li><strong>Driving history<\/strong> &#8211; Clean records typically qualify for the largest savings, while at\u2011fault crashes, speeding, DUI, or reckless driving raise premiums due to higher expected losses.<\/li><li><strong>Coverage level<\/strong> &#8211; Higher liability limits and adding collision\/comprehensive increase price; raising deductibles can lower premium but increases out\u2011of\u2011pocket risk.<\/li><li>Location &#8211; Urban areas with more crashes, theft, and higher medical\/legal costs tend to have higher rates; weather\u2011exposed regions see higher comprehensive losses (<a href=\"https:\/\/www.ncei.noaa.gov\/access\/billions\/\">NOAA<\/a>).<\/li><li><strong>Credit\u2011based insurance score<\/strong> &#8211; In most states, stronger credit\u2011based scores correlate with lower premiums. Some states restrict or prohibit credit use (e.g., California, Hawaii, Massachusetts); others add guardrails (e.g., Washington). See <a href=\"https:\/\/content.naic.org\/cipr-topics\/credit-based-insurance-scores\">NAIC CIPR<\/a> and <a href=\"https:\/\/www.insurance.wa.gov\">Washington OIC<\/a>.<\/li><li><strong>Age and gender<\/strong> &#8211; Risk is highest for new\/teen drivers and generally declines with experience. Female drivers and drivers over 25 are <a href=\"https:\/\/www.iihs.org\/topics\/fatality-statistics\/detail\/gender\" target=\"_blank\" rel=\"nofollow noopener noreferrer\">statistically<\/a> involved in fewer fatal crashes on average; some states limit the use of gender in pricing.<\/li><li><strong>Marital status<\/strong> &#8211; Married drivers sometimes see lower rates where permitted, reflecting observed claim patterns; rules vary by state.<\/li><li><strong>Vehicle<\/strong> &#8211; High\u2011performance\/luxury models and vehicles with complex ADAS or EV components often cost more to repair, increasing collision\/comprehensive severity (<a href=\"https:\/\/www.cccis.com\">industry repair analytics<\/a>).<\/li><li><strong>Mileage and usage<\/strong> &#8211; More miles and business\/commute use correlate with higher claim frequency. Telematics can price to your actual mileage and driving style (<a href=\"https:\/\/risk.lexisnexis.com\">LexisNexis<\/a>).<\/li><li><strong>Safety features<\/strong> &#8211; Advanced safety like AEB can reduce crash frequency, though sensor\u2011dense parts raise repair costs when damaged (see <a href=\"https:\/\/www.iihs.org\">IIHS on front crash prevention<\/a> and <a href=\"https:\/\/www.cccis.com\">CCC<\/a>).<\/li><\/ul>\n\n\n\n<h3 class=\"wp-block-heading\">Car Insurance Shopping Tips<\/h3>\n\n\n\n<ul><li><strong>Use the same coverage levels for every quote<\/strong> &#8211; Keep limits, deductibles, and add\u2011ons consistent. Include state\u2011required items like PIP or UM\/UIM where applicable so results are comparable (check your state via <a href=\"https:\/\/www.iihs.org\">IIHS<\/a>).<\/li><li><strong>Look out for discounts<\/strong> &#8211; Most carriers offer bundling, multi\u2011vehicle, good\/safe driver, good student\/driver training, anti\u2011theft\/safety equipment, telematics, and policy\u2011management (paperless, autopay, pay\u2011in\u2011full) savings. Program availability varies; see carrier pages such as <a href=\"https:\/\/www.statefarm.com\/insurance\/auto\/discounts\">State Farm<\/a>, <a href=\"https:\/\/www.geico.com\">GEICO<\/a>, <a href=\"https:\/\/www.progressive.com\/auto\/discounts\/\">Progressive<\/a>, and <a href=\"https:\/\/www.travelers.com\">Travelers<\/a>.<\/li><li><strong>Be honest<\/strong> &#8211; Omitting drivers, tickets, or mileage can lead to inaccurate quotes and later price changes. Consider a telematics trial if you drive safely; many programs reward measured behavior (<a href=\"https:\/\/content.naic.org\/cipr-topics\/usage-based-insurance\">NAIC<\/a>).<\/li><\/ul>\n\n\n\n<h3 class=\"wp-block-heading\">Tips for Lowering Car Insurance Rates<\/h3>\n\n\n\n<ul><li><strong>Discount options<\/strong> &#8211; Ask about bundling (auto + home\/renters), multi\u2011vehicle, safe\/good driver, good student or driver training, vehicle safety\/anti\u2011theft, telematics, and administrative savings (paperless, autopay, pay\u2011in\u2011full). Availability and how discounts apply vary by state and insurer; see <a href=\"https:\/\/www.statefarm.com\/insurance\/auto\/discounts\">State Farm<\/a>, <a href=\"https:\/\/www.allstate.com\">Allstate<\/a>, <a href=\"https:\/\/www.nationwide.com\/personal\/insurance\/auto\/discounts\/\">Nationwide<\/a>, <a href=\"https:\/\/www.libertymutual.com\/auto\/car-insurance-discounts\">Liberty Mutual<\/a>, and <a href=\"https:\/\/www.travelers.com\">Travelers<\/a>. Many telematics programs can materially reduce premiums for safe, lower\u2011risk drivers (<a href=\"https:\/\/risk.lexisnexis.com\">LexisNexis<\/a>).<\/li><li><strong>Deductible<\/strong> &#8211; Higher deductibles lower premium for collision and comprehensive but increase what you pay after a loss. Choose levels that balance savings with your ability to cover out\u2011of\u2011pocket costs.<\/li><li><strong>Bundling<\/strong> &#8211; If you <a href=\"https:\/\/www.reviews.com\/insurance\/car\/bundling-insurance\/\">bundle your insurance<\/a> with the same carrier (e.g., auto + home), you may qualify for additional savings and consolidated billing; confirm terms and stacking rules with your agent.<\/li><\/ul>\n\n\n            <span class=\"b-toc-anchor\" id=\"what's-next\" title=\"What's Next\"><\/span>\n    \n\n\n<h2 class=\"wp-block-heading\">What\u2019s Next?<\/h2>\n\n\n\n<p>Read our review on the <a href=\"https:\/\/www.reviews.com\/insurance\/car\/best\/\">best car insurance companies<\/a> to compare options. As you shortlist, verify each insurer\u2019s current AM Best Financial Strength Rating and outlook via <a href=\"https:\/\/ratings.ambest.com\/\">AM Best<\/a>, consult the newest regional results in the <a href=\"https:\/\/www.jdpower.com\/business\/press-releases\/2025-us-auto-insurance-study\">J.D. Power 2025 U.S. Auto Insurance Study<\/a>, and check the <a href=\"https:\/\/content.naic.org\">NAIC Complaint Index<\/a> for complaint ratios.<\/p>\n\n\n\n<p>If you&#8217;re ready to select a new or replacement provider, choose an effective date that guarantees you won\u2019t have a coverage lapse and make your first payment to activate the policy. If you have a current insurer, all you have to do is send in a cancellation request with the same effective date. You will likely receive a cancellation notice for your records. Continuous coverage helps you avoid penalties and can improve pricing over time.<\/p>\n\n\n\n","protected":false},"excerpt":{"rendered":"<p>Car insurance protects you from paying out of pocket for injuries and damage after a crash. State rules differ: New Hampshire does not require every driver to carry auto insurance (financial responsibility rules apply if you cause a crash or once insured), while Virginia raised its minimums to 50\/100\/25 effective Jan 1, 2025 and ended [&hellip;]<\/p>\n","protected":false},"author":345,"featured_media":348147,"parent":1760,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"page-templates\/template-reviews.php","meta":[],"categories":[1266],"tags":[],"post_author":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v20.8 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>Car Insurance Buyer&#039;s Guide | Reviews.com<\/title>\n<meta name=\"description\" content=\"Our guide to buying car insurance highlights some of the best tips to follow and pitfalls to avoid so you can hit the road with some peace of mind.\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, 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