Latest Research & Perspectives

Buying insurance after an accident in South Carolina

Auto insurance law in South Carolina requires drivers to have both liability coverage as well as uninsured motorist coverage. Liability insurance coverage covers the financial costs of property damage and injury to the other party in case you cause an accident. Uninsured motorist coverage covers the financial costs for any damage or injury that you suffer if the accident is caused by the other driver. In South Carolina, you are required to have minimum amounts of coverage of liability and uninsured motorist coverage.

Compared to the national average as of December 2013, it is relatively cheap to insure your vehicle in South Carolina. The state average auto insurance premium stands at $1161. There is a fair bit of variation with the premium rate in the state with Rock Hill being as low as $875 and $1096 in Summerville. The rates in Greenville and Spartanburg are lower than $900.

It is ...

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DUI Impact on Teenagers Car Insurance

Our team of data analysts & researchers analyzed auto insurance data across the nation to understand the impact of driving under the influence (DUI) alcohol tickets on a teenager’s car insurance. Besides, the tremendous emotional strain a DUI causes to families, there is a real economic & long term impact of a DUI.

Our research on the economic & insurance impact of Teenagers DUI in key US states & had the following key takeaways:

  • Auto Insurance rates for male teenagers without DUIs (Driving Under the Influence of Alcohol) range from $10,300 (Connecticut) to $2500 (Utah) for 6 months
  • Female teenagers auto insurance rates without DUIs are lower and range from $8,300 (Connecticut) to $2200 (Utah)
  • A typical female teenagers pays about 10-30% less than a male teenager & is mainly because Auto Insurance risk & pricing estimates believe female teenagers to be safer than male teenagers.
  • Connecticut, Washington, Texas, Pennsylvania and Georgia are ...

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Accidents and their effect on auto insurance rates in Wyoming

Wyoming, the mountainous state of the West, is the least populated and second least densely populated state in the country. Wyoming is known for the highest fatality rates in car crashes. National Highway Traffic Safety Administration (NHTSA) data shows that there were 123 total car crash fatalities in 2012. Various causes have been identified for this problem, such as dangerous roads, longer response time required due to medical services being far from accident location, low seat belt use among drivers.  

Wyoming proscribes driving without auto insurance. It is a misdemeanor to be caught driving without proof of liability insurance.  The minimum liability coverage amounts are: $25,000 per person for bodily injury, $50,000 per accident for bodily injury, and $20,000 per accident for property.

The average insurance rates in Wyoming vary from $1370 to $1576. The average annual auto insurance rate in Wyoming is $1496, which is also ...

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Collision cover for a Nissan Pathfinder costs an average of $400, the lowest in its category

In September 2013, the Highway Loss Data Institute released numbers related to collision insurance and the factors that affect premiums. The study shows that two factors play a big part in determining collision coverage premiums: claim frequency and claim losses. Claim frequency is the measure of how often claims are filed, whereas claim losses refers to the average payment made out per claim.

The same September study assigned scores to cars of various sizes and models to measure their damage susceptibility. A score of 100 represented the average for all sizes and classes of cars. A score of less than 100 is considered better than average and more than 100, worse. Midsize SUVs such as Nissan Pathfinder, Honda Pilot and Kia Sorento scored better than average on both counts. Midsize SUVs’ claim frequency score was 86 and claim losses score was 81. The claim frequency score of 86 was the ...

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Louisiana leads nation in auto insurance rates, Baton Rouge not far behind

Baton Rouge, the capital of the state of Louisiana, is not immune from the menace of high insurance rates that plagues the state of Louisiana. Louisiana has the unfortunate distinction of leading the nation when it comes to high auto insurance rates. The average annual insurance premium of the state of Louisiana is $2,699, which is the highest recorded figure among the states. The capital city of Baton Rouge is, however, not far behind, with an average insurance rate of $2,328.

In this feature, we will examine the insurance rates of 8 best selling used cars in Baton Rouge: Toyota’s Corolla and Camry, Nissan’s Altima, Honda’s CR-V, Civic and, Accord, Ford’s F-Series, and Chevrolet’s Silverado. Which of these cars is the most affordable and costs the least to insure in Baton Rouge?

Let’s take a look at the numbers for the year ...

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Which used cars have lower insurance rates in Michigan?

Buying a used car in Michigan could be overwhelming, considering the high percentage of insurance costs. The average annual insurance rate in Michigan is $2,520, which is significantly above the national average.  The average annual insurance rate of Grand Rapids is $1,754, while in Lansing it is $1,784.

So, which used car can you buy in Michigan to spend less on purchase and insurance costs?

City Make Model Insurance Average ($) Median Price ($) Insurance Percentage (%)
Lansing Honda Civic 1,788 5,000 35
Ann Arbor Honda Accord 1,517 7,995 18
Lansing Honda Accord 1,686 8,979 18
Ann Arbor Toyota Corolla 1,606 9,995 16
Ann Arbor Honda Civic 1,608 13,995 11
Grand Rapids Honda Civic 1,758 14,300 12
Grand Rapids Toyota Camry 1,966 14,400 13
Grand Rapids Toyota Corolla 1,755 14,500 12
Grand Rapids Nissan ...

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Latest Auto Insurance Reviews

Geico, Brooklyn, NY

$54 for 1 Month

This car insurance is amazing I am young and i get a nice rate. When i have any questions there is someone that I can easily call and they will call me and get me the help that I need. It is always nice to have someone there to help ... Read all Brooklyn Car Insurance Reviews

Progressive, Charlotte, NC

$100 for 1 Month

I've been pretty pleased with Progressive so far. The monthly rates are fairly comparable with other insurance companies that I checked with. I like the ability to service my policy online, print out new insurance cards on the spot, or forms that I need with no wait. That is ... Read all Charlotte Car Insurance Reviews

GEICO, Dodge City, KS

$92 per month

I pay my car insurance in two installments a year, and it is around 92 dollars each time. I live in Dodge City, KS- whose zip code is 67801. I have no serious infractions on my driving record- just two speeding tickets from over five years ago. I am currently ... Read all Dodge City Car Insurance Reviews

Progressive, Palatka, FL

$42 per month

I am located in Palatka, FL, USA. I recently switched my insurance from Progressive to Geico because Progressive went up in payments. I currently am paying $42 per month for the Florida minimum, which is 10,000 bucks PPI and car coverage. I am currently driving a 2005 Dodge Caravan ... Read all Palatka Car Insurance Reviews

State Farm, Morganton, NC

$175.00 a month

I am 36 years old and have State Farm for my Auto Insurance. I am married and have two kids. We have two cars on the policy. One is a 2008 and the other is a 2010. They are very basic cars. We pay about $175.00 a month for ... Read all Morganton Car Insurance Reviews

Allstate, ,

$225 for a six month

Auto insurance costs me and my wife about $225 for a six month policy on our 2004 Honda Odyssey. We live in Medford, Oregon and both my driving record and my wife's driving record are immaculate with no accidents or tickets for many years. We are both in our 30s and have children. My wife does most of the driving as she is at home with the children, I ride my bicycle to work so I only do about 20% of the driving. Our auto insurance is with Allstate through local agent David Martin and we've been carrying full coverage through Allstate for about ten years now, we carry full coverage because it doesn't save us enough to drop to liability only so we feel safer. I love my insurance provider, they have helped me through some issues over the years that I never would have expected and have kept me coming back to them despite the possibility of a somewhat lower premium elsewhere. All in all I would rate Allstate as a 5+ on a 5 point scale based on their willingness to provide great service at all times.

AAA, Whittier, CA

$178 a month

My name is Sandy Carabio, and I am a 51-year-old female. I've been married almost 14 years and my husband and I have State Farm Car Insurance. We live in Whittier, CA 90605. State Farm has been our insurance provider for the last 15 years. Prior to this I ... Read all Whittier Car Insurance Reviews

State Farm, Rome, GA

$250 a month

I pay 250.00 a month for my car insurance. I am located in Rome, Georgia, 30165. I have never had an automobile accident in my life. I am insuring both mine and my girlfriend's cars. The coverage I chose protects all kinds of accidents to the automobiles, if ... Read all Rome Car Insurance Reviews

Nationwide, Middletown, CT

$116 per month

Right now I pay around $116 per month for my car insurance which is insured with Nationwide. I have a basic liability plan for my 2002 Mitsubishi Eclipse and it's currently the only car that insured with Nationwide. As a twenty four year old male living in Middletown, New ... Read all Middletown Car Insurance Reviews

Progressive, Wheeling, IL

$84.00 per month

I have been insured with IFA Auto Insurance for over 5 years. Every month I pay $84.00 and it is for full coverage on my GMC Envoy. I live in Wheeling, WV and I have been driving since I was 16 years of age. I have had no accidents ... Read all Wheeling Car Insurance Reviews