Chris Tepedino is a feature writer that has written extensively about auto insurance for numerous websites. He has a college degree in communication from the University of Tennessee and has experience reporting, researching investigative pieces, and crafting detailed, data-driven features. His works have been featured on CB Blog Nation, Flow Words, Healing Law, WIBW Kansas, and Cinncinati....

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Written by Chris Tepedino
Insurance Feature Writer Chris Tepedino

Jeffrey Johnson is a legal writer with a focus on personal injury. He has worked on personal injury and sovereign immunity litigation in addition to experience in family, estate, and criminal law. He earned a J.D. from the University of Baltimore and has worked in legal offices and non-profits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman Univer...

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Reviewed by Jeffrey Johnson
Insurance Lawyer Jeffrey Johnson

UPDATED: Jul 5, 2022

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Advertiser Disclosure: We strive to help you make confident auto insurance decisions. Comparison shopping should be easy. We are not affiliated with any one auto insurance provider and cannot guarantee quotes from any single provider. Our partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.

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The Full Review

  • A car insurance calculator can help you understand your car insurance needs and estimated costs
  • To find the best car insurance rates, you should understand how your state calculates rates
  • Most states require liability coverage, but it’s always best to have more than the minimum

If you’re looking for the best car insurance calculator, you have a number of options. Calculators can help you determine how much coverage you need and estimate costs, and there are a number of ways to perform those calculations.

Car insurance rates are personalized and vary widely from company to company, so it’s crucial to compare rates before deciding on a policy.

So whether you’re looking to switch car insurance companies or are curious about how much your rates could change, using a car insurance calculator is a great way to start.

This article will discuss the elements that decide car insurance rates and some of the best ways to save on your auto coverage.

We will also provide some tips on calculating costs to help you get the best result for the money spent on car insurance.

How do you calculate your auto insurance needs?

There are several things to consider when calculating your car insurance needs. The first is your car’s value. Most car insurance policies have a coverage limit between $25,000 and $50,000 for damage to your vehicle. If your car has a higher value, you need to purchase additional coverage.

Another consideration is the amount of liability coverage you need. Liability covers property damage and injuries you cause in an accident. Most states require liability coverage, but it’s always best to have more than the minimum.

You should also think about whether you want collision and comprehensive coverage for a full coverage policy. Collision coverage compensates for damages to your vehicle if you hit another car or object. Comprehensive coverage pays for damages to your car caused by a non-collision event, like fire or wind damage.

Remember that the more coverage you have, the higher your rates. So you’ll need to weigh the cost of coverage against the likelihood of needing it. You can take advantage of a car insurance calculator to determine the coverage that fits your needs.

How to Estimate Car Insurance Manually

You can follow these tips to get an accurate car insurance estimate:

  • Narrow down your list of top choices for cars.
  • Decide how much coverage you need. If you’re purchasing a new vehicle, including comprehensive and collision to cover damage or loss of the car. If you obtain a loan for a used vehicle, you’ll need this coverage because the lender will require it.
  • Some insurance company websites feature car insurance calculators to help you determine your coverage needs.
  • Get quotes for the same coverage amounts for the cars you’re considering.

Getting a car insurance estimate allows you to plan by budgeting your expenses and minimizing unneeded coverage.

Factors That Impact an Auto Insurance Quote

Your vehicle’s make and model aren’t the only factors in calculating your auto insurance quote. 

Others include:

  • Personal characteristics. Personal characteristics include your marital status, gender, and age. For example, teen drivers have higher auto insurance quotes than other age groups.
  • The coverage you choose. The more coverage you get, the higher your auto insurance rates.
  • Your driving record. A speeding ticket, recent DUI, or car accident can increase your rates.
  • Your location. All states have different car insurance minimums. Population density and neighborhood crime rate will impact insurance costs.
  • Your credit score. Drivers with poor credit usually have higher car insurance rates, except California, Hawaii, and Massachusetts.
  • Your car insurance history. Your car insurance history — such as prior coverage lapses, insurance claims, etc. — also impacts your rates.
  • Car choice. The more valuable your car, the more you’ll pay for auto insurance because you’ll typically need additional coverages like comprehensive and collision.
  • Deductible size. Choosing a higher deductible will lower rates, but you’ll have to pay more out of pocket if you file a claim.

As you can see, several factors go into calculating car insurance rates.

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Learn How Auto Insurance Gets Calculated in Your State

Your location significantly impacts your insurance premiums since car insurance regulations vary by state. To find the best car insurance rates for your needs, you need to understand how your state calculates premiums.

Auto insurers must file their rates with their state’s department of insurance. Your state will have a rate bureau that oversees car insurance rates and can provide you with more information about how they calculate premiums.

How do I find low car insurance rates?

Remember that when you see an auto insurance quote online, it’s a rate frozen in time. In other words, that quote may not be good tomorrow or even a few hours from the moment you see it.

Other factors can impact your estimated online quote, such as driving profile, company pricing, and state regulations. Here are some ways to find the lowest rates possible.

Search for the Right Discounts

When you need to shop for car insurance, research the discounts available. You may save money by taking advantage of the right deals.

For instance, some companies may have student discounts, such as State Farm, which offers 25%. You may also find a bundling deal to get several insurance products from the same company. Sometimes, you can find discounts on insurance for new cars.

Build Credit

Your credit score is a critical number in your life since it can determine your ability to borrow money, get a job, rent an apartment, and buy insurance. The higher your credit score, the cheaper your auto insurance.

So it’s worthwhile taking some time to ensure your credit score is as high as possible.

Adjust Your Car Insurance Coverage Amounts

Take a look at your limits and see if you can save some money by lowering them. However, it’s always better to be safe than sorry, so ensure you have plenty of coverage to protect yourself financially in the event of an accident.

Improve Your Driving Record

One way to save cash on car insurance is by improving your driving record. If you have a history of accidents or tickets, your car insurance rates will be higher than those with a clean driving record. By improving your driving skills and following traffic rules, you can reduce the cost of your car insurance.

What do you need to get an auto insurance cost estimate?

To get an accurate car insurance quote, you will need to provide your car insurance company with some basic information, including you:

  • Full name
  • Date of birth
  • Contact information
  • Driver’s license number
  • Car make and model
  • Insurance history

If you are searching for a car insurance calculator, check out the website of the car insurance company you’re considering.

Most car insurers have online calculators that estimate your potential monthly rates. You can also call the insurance company and speak with a representative to get a quote.

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How can you learn more about car insurance companies?

The best way to learn about car insurance companies is to read reviews from customers, giving you a good idea of their customer service and claims handling.

You can also check out the car insurance section of your state’s Department of Insurance website. This website will list all car insurance companies licensed to do business in your state and information about each company.

Another excellent resource for car insurance is the National Association of Insurance Commissioners, a national organization representing all state insurance regulators.

The NAIC website has a consumer information section with various resources, including car insurance company comparisons and car insurance rate comparisons.

Remember that not all companies are equal; some will be a better fit for your needs than others. You’ll want to look at each company’s website to see the policy types, coverages, and discounts.