If you are smart though, it does not have to be this way. Many insurance companies offer discounts to mature drivers, as well as those who use drive tracking apps, take defensive driving courses, and have up-to-date safety features on their vehicles. If you’ve recently retired and have stopped commuting to and from work every day, you also might be eligible for a discount for driving less.
If you have poor credit and don’t live in one of the three exempt states, consider requesting an extraordinary life circumstances exemption. This exemption allows you to request insurance carriers not to use your credit score when calculating your rate. This is particularly helpful if you can show that your poor credit was caused by specific circumstances beyond your control, such as serious illness, divorce, unemployment, and similar life catastrophes. The insurance company will likely ask you to provide documentary proof, so make sure you can back up your claim.
Geico is the second-largest auto insurance provider in the United States. While they’re considered second-tier by Consumer Reports (listed under parent company Berkshire Hathaway Insurance Group), their customers rate them high in the categories of ease of reaching an agent, promptness of response, agent courtesy, and timely payment. Not bad in terms of customer service.
Liberty Mutual offers a few hard-to-find discounts, including savings for newly married couples, new graduates, retirees or drivers over 50, and certain drivers under 18. Some of its coverage options are on the rare side, too — like options for mechanical breakdown coverage, vanishing deductibles, or new car replacement that reimburses you for the car’s original worth (rather than its depreciated value). In short: Liberty Mutual has some niche offerings, so it may be worth speaking with an agent about specialized or customizable coverage needs.
The General’s coverage options are, quite frankly, barebones protections. While there are some supplemental options like roadside assistance and rental reimbursement, don’t expect the luxury of accident forgiveness. And when you need to file a claim, you’ll have to do so over the phone — though it offers live chat and online policy management, The General doesn’t allow its customers to file claims without talking to a representative.
It’s nearly impossible to predict the cost of insurance for anyone other than yourself. Premiums are based on factors specific to the driver, including age, vehicle, driving history, credit score, and even where you’ll be doing most of your driving. Every insurer weighs these factors differently, which means the only way to find the best price for your policy is to get quotes from multiple auto insurance companies.
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