Not all car insurance companies offer the same rates or the same benefits. This will largely depend on the type of car insurance company, the state that you live in and also the type of driver.
What are the different types of car insurance companies you can choose from?
Broadly speaking, there are two kinds of them. You have the big names that are the large multinational companies which might be operating in all or most of the states in the country. These companies will most likely charge you a lot more than any other local company. But the sort of coverage and dependability that you get from such a policy will be a lot better than going with the cheaper firms. But the one drawback of going with such a large firm is that you will need to have very good evidence and also a really good lawyer to fight your case in the situation that your case goes to court for litigation.
And another benefit of having such a policy is that you will get coverage throughout their network. If you happen to move from one state to the other, the only thing that you need to do is get an extra clause added to your policy. There will be no termination charge or even charges for getting a new policy. You will just be modifying your existing policy to cover the requirements of the new state.
The other types of insurance companies are smaller ones which are mostly family owned. They may not have any other branches in other states. And they will not be able to extend your policy in the case that you move to a different state.
But the benefit of going with such a smaller firm is that you can get a much cheaper policy. You will not need to bother about costly lawyers for litigation. You can very easily go through a case with the aid of a state appointed lawyer. But the dependability of such a firm will always be questionable. You cannot really say whether they are going to be able to pay your just dues when you need it. The best way to make sure about the reliability of such a firm is to get references. People who can vouch for the firm due to their being associated with it either as an employee or as a customer can be of huge help. Ask around with friends and family in your town to find out.
But in any case the best way to find the best policy is to go online and spend some quality time researching the subject. You will need to get free auto insurance quotes from the various websites that list them. You can get information from both first party and third party websites. Get at least 10 different quotes to get an idea as to what sort of expenditure you can be looking at. Do remember that a little time put in now can save you a lot of money in the future.
You can be looking at savings to the tune of several hundred dollars a year. And this can run up in to a huge fortune considering the savings that you will be accruing over your lifetime.