2024 Car Insurance Quotes and Auto Insurance Rates | Compare and Save! (2024)

Every driver has one thing in common: they’d like to pay less for their car insurance.

The best way to find savings is by comparing auto insurance rates from multiple carriers. But that can get overwhelming fast, especially if you have a less than perfect driving record. That’s where Freeway comes in. We are here to help you get the affordable car insurance quotes you need.

So, if you’re looking for cheap car insurance, you’re in the right place! Plus, we do all the legwork so you can sit back and enjoy those monthly savings.

A car insurance policy is a contract between the policyholder, usually the car’s main driver, and the insurance provider. The insurer agrees to protect the policyholder against financial losses outlined within the policy (this is an important note because if it’s not in the contract, insurance companies will not cover it).

As a policyholder, you are concerned with your premiums, coverages, exclusions, and payouts. The premiums are what you pay to keep the policy. Coverages are those conditions outlined explicitly in the policy, where your insurance company will payout. Exclusions are special cases that will nullify your policy, such as driving while intoxicated, preventing you from receiving payouts. And the payout is the amount up to which an insurance provider will make you whole.

The policy is usually set for a term of 6 or 12 months, where the insured pays monthly premiums to keep it enforced. If the insured stops paying premiums, the insurance provider will stop coverage immediately. If the uninsured driver causes an accident while driving, then they are personally on the hook for the costs of damages.

Freeway Insurance is proud to offer insurance solutions in all 50 states! You can always find affordable car insurance near you. Whether it’s in person at one of our convenient office locations, by phone or online, we are available to help you.

Just click on your state below and you’ll find affordable auto insurance options, plus everything you need to know about the rules and regulations in your state, how much the average policy costs, how to save money on your policy with smart decisions, available car insurance discounts and much more.

• Alabama
• Alaska
• Arizona
• Arkansas
• California
• Colorado
• Connecticut
• Delaware
• Florida
• Georgia
• Hawaii
• Idaho
• Illinois
• Indiana
• Iowa
• Kansas
• Kentucky
• Louisiana
• Maine
• Maryland
• Massachusetts
• Michigan
• Minnesota
• Mississippi
• Missouri
• Montana
• Nebraska
• Nevada
• New Hampshire
• New Jersey
• New Mexico
• New York
• North Carolina
• North Dakota
• Ohio
• Oklahoma
• Oregon
• Pennsylvania
• Rhode Island
• South Carolina
• South Dakota
• Tennessee
• Texas
• Utah
• Vermont
• Virginia
• Washington
• Washington, D.C.
• West Virginia
• Wisconsin
• Wyoming

You can compare car insurance premium to save money on your car insurance. If you are spending too much money on your car insurance for your budget, that means it’s time to compare insurance rates to find a new provider.

Here at Freeway Insurance, we understand that you don’t have a ton of free time to research insurance rates. To make things easy for you, Freeway can quickly and easily provide you with a free car insurance quote online.

The average auto insurance cost is about $1,600. However, this number can only tell drivers so much because different states all have their own average car insurance costs. Within those states, there can also be cost variation within different cities and even different zip codes.

Here at Freeway Insurance, we understand that you don’t just want a better car insurance rate: You deserve it! To make things easy for you, Freeway can quickly and easily provide you with an online quote.

Many factors can impact how your rates go up or down, depending on which factors are allowed at the state level. You may see your rates go up if you move to a zip code prone to car accidents or car theft. Or, your rates can drop when you are older than the age of 25.

Periodically, insurance companies review the status of policyholders to determine appropriate rates. In practice, this happens when renewing policies every 6 or 12 months. When an insurance provider reviews a policyholder’s records for renewal and finds accidents, traffic violations, or drops in credit score (some states disallow the credit check practice), they will adjust the policyholder’s rates to reflect the increase in driver risk. Accidents and violations will only make your rates go up; avoiding them is the most effective way to keep paying low premiums.

Since insurance providers mostly use the same databases to determine driver premiums, shopping around for a new provider after an accident may only yield slightly better rates. In DUI cases, derogatory marks on your record may require you to file anSR-22and find insurers who serve high-risk profiles.

• Shop around for cheap car insurance — The first step to lowering your insurance premiums is to shop insurance quotesfor a better one. If you feel you’re paying too much, don’t skip this step. Find out if you are paying too much by asking. This is simple and easy, considering most reputable insurers will often give you an instant quote online. And competition in the car insurance world is fierce; providers are always looking for new policyholders.
• Enroll in a driving course — Some states and insurance providers reward drivers for successfully completing approved driving courses.. This can result in reduced points on your record and insurance discounts. Inquire with your insurance provider and state DMV website.
• Downgrade to a less expensive car — If you’ve been driving a luxury car, you’re paying more for car insurance than a less expensive car. Sell your car and buy a cheaper on. If you make a profit, then apply that to your new cheaper car insurance policy.
• Stop owning a car altogether — By getting rid of your car, you can purchase non-owner operator car insurance. You’ll have to borrow someone’s car to drive, but your insurance will be cheaper, and so will your transportation expenses.

Make no mistake, though; a clean and safe driving record is the most important way to ensure you are paying the lowest rates. You should do everything you can to reduce your premium after an at-fault accident; however, it will likely be some time before you enjoy the rates you did before it.

Although insurance requirements are set at the state level — and therefore different in each one — in practice, if you are driving a vehicle, there is little difference; you need to have car insurance. It is best to refer to your state’s department of insurance to determine mandatory requirements. You can use theNational Association of Insurance Commissionerswebsite to locate your state’s official insurance department.

You can’t go wrong with getting full coverage auto insurance, as this will almost always be modeled to cover your state’s mandatory requirements.

The minimum car insurance required is typically liability insurance, including property and bodily injury liability coverage. This means your insurance provider will be able to pay for injuries and damages that you cause to other people and property but not you.

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  Liability Insurance

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  Collision Insurance

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  Comprehensive Insurance

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  No Fault Insurance or Personal Injury Protection

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  Uninsured/Underinsured Motorist Insurance

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  Medical Payments Insurance

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  Gap Insurance

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  Rental Car Reimbursem*nt

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  SR-22

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  New Car Replacement

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  Non-Owner Car Insurance

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  Classic Car insurance

Every driver is looking for “the right car insurance.” But what does that actually mean?

Honestly, the “right” car insurance is usually the perfect intersection of the coverage you need, and a reasonable auto insurance price. And by understanding the factors affecting your car insurance and the possible discounts available to you, it’s possible to get the coverage you’ve been dreaming of.

Car insurance policies give theircoverage limitsas a string of numbers separated by a slash and will look similar to 25/50/25 or $25,000/$50,000/$25,000.

These numbers breakdown into the policy limits, as so:

• $25,000 of coverage for bodily injury (per person)
• $50,000 of coverage for bodily injury (per accident)
• $25,000 of coverage for property damage (per accident)

Choosing how much car insurance to get is a question of how much risk you want to take on and what deductible you want to pay. A deductible is a portion of damages you pay before the insurance provider begins paying for the rest. For instance, if you wind up in an accident and your deductible is $1,000, but the repairs come to $800, then the insurance company will pay nothing. Had your deductible been $500, the insurance would have kicked in for the remaining $300.

Deductibles work like a risk barometer for insurance companies. If you choose a lower deductible, the company will assume you are riskier and increase your premiums. If you choose a higher deductible, then your premiums should be lower. It is best to consider deductibles, max payout limits, and monthly premiums together when determining the amount of insurance coverage to get.

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  Anti-theft discount

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  Good driver discount

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  Student discount

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  Multi-car discount

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  Military discount

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  Multi-policy discount

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  Mature, retired, or senior discount

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  Customer loyalty discount

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  Auto Pay Discount

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  Defensive Driver Class Discount

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  Low-Mileage Discount

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  Paid-in-Full Discount

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