10-Minute Auto Insurance Buying Guide

Looking to easily lower your auto insurance rates? Take just 10 minutes and read our auto insurance buying guide that includes coverage options, discounts, choosing the right company, and how to file a claim. The four states that have consistently higher rates are Florida, New Jersey, Michigan, and Louisiana. Keep reading our car insurance guidelines to find rates in your state.

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Sara Routhier

Sr. Director of Content

Sara Routhier, Managing Editor and Outreach Director, has professional experience as an educator, SEO specialist, and content marketer. She has over five years of experience in the insurance industry. As a researcher, data nerd, writer, and editor she strives to curate educational, enlightening articles that provide you with the must-know facts and best-kept secrets within the overwhelming world o...

Sr. Director of Content

Daniel Walker

Licensed Insurance Agent

Daniel Walker graduated with a BS in Administrative Management in 2005 and has run his family’s insurance agency, FCI Agency, for over 15 years (BBB A+). He is licensed as an insurance agent to write property and casualty insurance, including home, life, auto, umbrella, and dwelling fire insurance. He’s also been featured on sites like Reviews.com and Safeco. To ensure our content is accura...

Licensed Insurance Agent

UPDATED: Nov 27, 2023

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It’s all about you. We want to help you make the right coverage choices.

Advertiser Disclosure: We strive to help you make confident insurance decisions. Comparison shopping should be easy. We partner with top insurance providers. This doesn’t influence our content. Our opinions are our own.

Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.

Paying Too Much for Car Insurance? We’ve got an auto insurance buyer’s guide.

Here’s a dirty little secret that most automotive insurance companies don’t want you to know: the odds are pretty high that you (and most drivers) are paying too much for your car insurance policy. But with our helpful auto insurance buying guide, you can figure out whether you are in the majority of motorists who can get the cheapest car insurance coverage and how to switch auto insurance companies.

Your 10-Minute Guide to Auto Insurance

Our simple, easy-to-read automobile insurance guide has helped thousands of drivers just like you understand basic automotive insurance principles, your insurance company’s tactics, and what exactly contributes to your total monthly premium costs. It even covers all the different types of coverage you can purchase, from simple Bodily Injury coverage to the sometimes complicated “no-fault” insurance.

This 10-minute auto insurance study guide also provides strategic tips for protecting yourself from rate hikes by your insurance company, as well as secret discounts your insurer might not tell you about upfront.

If your monthly premium has remained constant – or even gone up – despite months or years of safe driving, then you need this car insurance buying guide. Enter your zip code to get instant free quotes from a variety of car insurance companies.

Contents of the Guide

Here Are Some Tips to Help You Get the Best Car Insurance Rates

Did you know that making simple changes, such as parking your car in a garage at night, could potentially lower your premium? Or driving fewer miles each year? And if you are thinking about moving to a different zip code, you’re going to want to do your research – because whether you’re moving a few miles or a few hundred miles away, it can make a dramatic difference when it comes to your monthly premium payments.

Average Rates Near and Far

Regular Coverage

California Average
Illinois Average
New York Average
Texas Average
Florida Average
Broward FL Average
Miami-Dade FL Average
Duval County FL Average










If you know what types of coverage your insurance company offers, you can figure out what you need – and what you don’t. It’s not uncommon for providers to add optional forms of coverage to what they call a “basic” policy. And if you aren’t careful, these extra forms of coverage can cost you a pretty penny.

Statistics show, that just by shopping around and getting various auto insurance quotes, you can save up to 50% each year.

Some insurance companies offer discounts which others don’t, and other providers cater to a different group of drivers than what you might expect. For example, not all providers offer discounts for military service; you’ll have to shop around for the ones that do if you are a veteran. Likewise, major providers might charge you very high premiums or reject you for coverage if you have bad credit, but there may be local providers in your area which offer lower rates to drivers like you who are low-risk, but happen to have bad credit.

Enter your Zip code into the Search Box Above to Compare FREE Auto Insurance Quotes in Your Area

As you can clearly see, shopping around is one of the best things you can do if you want to save money on your monthly automotive insurance premiums. But don’t just take our word for it – read our 10-minute guide, start comparing policies and companies, and do your homework. And when you’re ready, get a second opinion from a trusted insurance expert you know. Odds are that they will agree with everything you’ve learned from us here at AutoInsuranceEZ.com.


Free Auto Insurance Comparison

Enter your ZIP code below to compare auto insurance rates.

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