Some experts say that military members are actually better off with direct writers, such as USAA or GEICO, rather than agent-based auto insurance for two reasons. First, since military members move a lot, you need to continually sever your ties with one agent in one locality and then find another elsewhere. In addition, military insurance experts point out, agents often earn a commission that may result in higher overall rates for your coverage.
Cash in on major life changes. Certain life events could translate to cheaper car insurance, so shop for quotes whenever something major changes in your life. For instance, many companies offer a lower rate for married couples or domestic partners. Or perhaps you moved to a suburb with lower accident and crime rates. If your risk for accidents goes down, your rates just might, too.
There are very few life events more nerve-racking than putting your teen in the driver's seat for the first time. With Esurance DriveSafe, you may be able to breathe a little easier. It does not affect your insurance rate (or your teen's) one way or the other; rather, it helps you monitor and control what your teen does behind the wheel, helping them to develop safe driving habits from the very start.

That is why we really like Esurance DriveSafe (Free to existing customers), a teen-oriented safety program we wish was around when we were the nervous parents of newly minted drivers. It's only available to parents who already are insured through Esurance; but it's free to them. The DriveSafe programs is a combination of a telematics device that tracks your teen's driving habits, and a Smart Phone app that will send you alerts if they are engaging in risky driving behavior, like speeding, driving past curfew, accelerating unsafely or other unsafe practices.


Cash in on major life changes. Certain life events could translate to cheaper car insurance, so shop for quotes whenever something major changes in your life. For instance, many companies offer a lower rate for married couples or domestic partners. Or perhaps you moved to a suburb with lower accident and crime rates. If your risk for accidents goes down, your rates just might, too.
NerdWallet averaged rates for 40-year-old men and women for 20 ZIP codes in each state and Washington, D.C., from the largest insurers, up to 12 in each state. “Good drivers” had no moving violations on record and credit in the “good” tier as reported to each insurer. For the other two driver profiles, we changed the credit tier to “poor” or added one at-fault accident, keeping everything else the same. Sample drivers had the following coverage limits:
Insurance terms, definitions and explanations are intended for informational purposes only and do not in any way replace or modify the definitions and information contained in individual insurance contracts, policies or declaration pages, which control coverage determinations. Such terms may vary by state, and exclusions may apply. Discounts may not be applied to all policy coverages.
I was with Liberty Mutual for about 15 years and was very satisfied with their prices and service, although I never filed a claim. When I retired and moved from California to Florida, my auto rate went up a ridiculous amount, to almost $10,000 a year even though I had no accidents and one minor moving violation in the last ten years. On top of that, Liberty Mutual screwed up my umbrella policy and told me it was “unenforceable,” whatever that means, but I had to pay for the policy anyway up to the time I canceled and switched to Progressive, which cost about one third the cost of Liberty Mutual for an identical policy. Even good companies change over time.
Some companies offer what they call Accelerated No Claims. This means you can claim a 12-month no claims discount after only 10 months on the road. However, the catch here is that often this only applies if you stick with the company for another year. For some, this will work out well, but it’s worth doing your research. In most cases, loyalty is not rewarded when it comes to car insurance, so, even with the no claims discount, you may be better off elsewhere.
When it comes to price and value, very few companies can compete with GEICO, which gets excellent marks for their low rates and wide range of flexible plans. They offer discounts for military personnel, safe drivers, good students and multiple policies. Reviews are more mixed for the claims process and the purchase experience -- and some aren't fans of their extensive advertising budget -- but if price is your number one priority, GEICO may be your best choice.

Now, when many of us think "collector car," chances are we see Model Ts, '57 Chevys, and 1970 Dodge Challengers. But collector car insurance provides an ideal solution for insuring all kinds of vehicles, from Brass Era classics to, yes, even your modified Honda Civic (believe it or not, the Honda Civic is one of the most popular cars to modify, which may help explain why it's also one of the most-stolen cars on the road).
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