Where are the best car insurance rates?
On One Hand: Insurance Quotes Have Many VariablesThere is no singe state that has the absolute lowest car insurance rates in the country. An insurance quote is made up of dozens of variables, including your age, driving record, neighborhood you live in and the type of vehicle you drive.On the Other: Population Density Makes a DifferenceSparsely populated states such as Montana, Wyoming, Kansas, Iowa, Maine and Oklahoma tend to have lower rates overall. The fewer people who live in a state, the less likely you are to be involved in an accident is the theory behind these lower rates.
Every State has different regulations; every insurance company has different ways of evaluating the various criteria that go into calculating Insurance premium for each individual. By maintaining a safe driving record, taking good care of your property, car and other assets and maintaining a good credit score you can more or less get good insurance rates! Companies like The Hartford also give you discounts if you are a good student with at least “B” grades, because good grades have been associated with a higher sense of responsibility. If you can prove to the company you are a low risk and reliable person, you usually end up getting lower auto insurance rates.
