Safe Auto Group Agency, Inc and/or its affiliates (“Safe Auto”) is located and operated exclusively in the United States of America. Safe Auto does not offer goods and/or services in any language of an European county, does not deal in any European currencies, and does not underwrite risks for or issue policies to individuals or companies located in the European Union.

Next, take a good hard look at your driving record and credit report, and clean both up if they’re not in good shape. Moving violations, citations for driving under the influence, accidents, and a low credit score all tell car insurance companies you’re at higher risk of being in an accident, making a claim, and costing them money. Some car insurance companies will give you a discount if you can prove you’re a safe driver by installing a tracking device in your car, which can lead to lower rates over time (however, if the tracker shows you routinely drive in an unsafe manner, your rates might go up). A few years without a citation or an accident, as well as a steadily improving credit score, can help you save on car insurance.
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To get the cheapest car insurance, start by comparing rates. You can use our list of the Cheapest Car Insurance Companies to see which company has the cheapest rates in our study for your situation. Don’t stop there, however. A company with cheap rates may not have the best service or very satisfied customers. Balance cheap auto insurance rates with the kind of service you want to live with when choosing an insurance company.
Cost is another major consideration you’ll have when choosing the best car insurance company for you. After all, you need insurance you can afford. While you should compare rates from several companies, make sure you’re comparing rates for your situation. Insurance companies can charge drastically different rates depending on a person’s age, gender, driving record, credit history, ZIP code, the number of miles they drive per year, the value of their car, and other factors. It makes no sense to compare rates for a 16-year-old male from one company with the rates for a 60-year-old female from another – especially if you’re neither a 16-year-old male nor a 60-year-old woman. It’ll take some time to gather quotes to compare rates, but rates can vary by several hundred or even a few thousand dollars per year from company to company. The time you spend can pay off in the end. When comparing rates, make sure you consider any car insurance discounts you may qualify for.
Geico: Geico is the fourth-best car insurance company, and even a cave man can see why. Geico customers say it’s easy to file a claim with the company, though some were unhappy with status updates from the insurer. That said, most Geico customers would recommend it and plan to renew their policy. Their rates may have something to do with that: Geico offers lower rates on average than most other auto insurance companies.
If your car is worth more than $3,000 and/or is less than 10 years old, we'd also suggest both collision and comprehensive coverage, too. Our estimates suggest drivers can buy comprehensive and collision insurance for an average of $600 to $700 per year (however, the cost may be higher for some cars), so you would spend $3,000 to $3,500 in premiums over five years. If your car is currently worth less than $3,000, you will have spent more on insurance than your car is worth. You can obtain the estimated value of your car from sites like Kelley Blue Book and Edmunds. Once you have both the value and a quote for coverage, you can determine whether collision insurance will be worth it.
If you’re a first-time homebuyer who’s never had to deal with an insurance company before, State Farm may be your company. With a helpful website featuring industry-best educational resources, a quick and easy quoting process, and a stellar mobile app where you can view your policy, pay your bill, and file claims, State Farm offers one of the easier insurance experiences in the industry.
While JD Power-recommended companies above aren’t among the cheapest of the insurance companies we’ve examined, they might suit your needs. It’s important to think beyond price to find a comfortable middle ground between claims satisfaction and affordability. Use The Zebra’s side-by-side insurance comparisons to avoid some of the legwork involved in insurance shopping.
The best companies will also have several supplemental coverage options, or endorsements, that you can add to your homeowners policy. Endorsements can vary, as some provide higher coverage limits for certain types of personal property like jewelry or fine furs; or they can provide supplemental coverage for risks — like water backups, floods, or earthquakes — not covered by home insurance.
Bad auto insurance comes in many forms. With bad car insurance, premiums are higher than they should be, or the company offers low premiums but minimal coverage. Some car insurance companies have poor customer service and don’t effectively communicate the status of your auto insurance claim. Others require you to use only repair shops that they approve of, and those shops can be inconvenient to access, forcing you to travel across town for repairs or wait weeks for an appointment. Still other auto insurance companies don’t have a comprehensive network of adjusters, so you have to wait longer for your claim to be processed so you can get the repairs you need. In a worst-case scenario, a car insurance company may not have the financial resources to pay claims, leaving its customers high and dry.
You pay a monthly or yearly fee in exchange for protection against the costs associated with vehicle damage or bodily injury resulting from a collision and certain other circumstances. If your car sustains damage in an accident, you will file a claim with your car insurance company, and they will pay you the amount specified in your policy minus your deductible. If you’re determined to be at-fault in an accident, your premium may go up. 
Idaho is pretty sparsely populated and mainly rural which leads to lower car insurance rates. According to World Atlas, Idaho has the seventh least population density in the country. There are roughly 20 people for every square mile. Wide-open spaces with few people mean fewer cars out on the road and fewer accidents, everything an insurance company loves.
State Farm: State Farm is the third-best car insurance company, though its overall score is very close to second-place Travelers. State Farm gets high marks from its customers for ease of filing a claim, and many State Farm customers say they're likely to renew their policy with the company. State Farm customers report being satisfied with the value they get from the company, and it’s no wonder they say that: State Farm rates are, on average, lower than most of the competition.

Your auto insurance rate depends on who you are as a driver, as well as your age, your credit, your vehicle, and your location. How insurance companies weigh these attributes is reflected in your premium. For example, having a limited driving history or a poor credit score can raise your rates dramatically. Our analysis of major rating factors shows how premiums shift from company to company.


Hi Stephen – I think you’re doing the right thing – as long as the premium continues to be reasonable compared to the competition. Even though we obsess on low rates, quality of service matters. It does little good if you get the cheapest policy, then they stick you when you have a claim. With must auto claims there’s going to be a human error factor (especially with new drivers), and you can’t be with companies that will hold that against you to such a degree that it seems like they no longer want your business.

I don't believe it is fair that insurance companies are allowed, by law, to check your credit report. I have worked my fingers to the bone to attain good credit. My credit score was excellent. After having a new HVAC system put in it went down to "good." My car insurance went up $139. It it very unfair to pay more for insurance because my debt increased. My finances should not be any business of the insurance companies. I always pay my bills on time and have never been late with a premium payment. So So UNFAIR!!


When comparing car insurance quotes, it helps to compare apples to apples; in other words, you want to be sure that the quotes you get are for identical - or at least very similar - auto insurance policies. Once you have a better idea of the type of coverage you’re looking for in a policy, this will be easy. To better understand coverage types start here

Progressive has a few notable features worth highlighting — chief among them is their Snapshot safe driving program. Snapshot is a discount program that uses a telematics device, which is a $5 word that essentially means transmission. Via a plug-in device or Progressive's mobile app, drivers can elect to track their driving and have the information transmitted back to Progressive to analyze. You will be rewarded with policy discounts for safe driving habits, like staying within the speed limit, maintaining low mileage, avoiding late-night trips, hard breaks and phone usage. Progressive advertises an average discount of $145 for those who complete the program, which typically takes around six months.

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