Which States Cost the Most to Insure My Automobile?

It is no surprise that some states are simply more expensive to live in. What you might not know, however, is that some states are also guaranteed to be more expensive for insuring your vehicle. The top most expensive states in which to insure your automobile include Louisiana, Michigan, Oklahoma, Montana, and California. In Louisiana, the average premium rate is a shocking $2,510.87. In Michigan, $2,098.29; in Oklahoma $1,869.39; in Montana $1,857.96; and in California $1,774.41. Despite these high average rates, this does not mean that you will have to pay anywhere close to these amounts. No matter where you live, but especially if you live in one of the more expensive states, you can lower your premium rate by being smart about choosing your coverage.

Far too many people, both in and out of these states, make the mistake of simply going with the first provider they find or with signing up for a short lived too good to be true deal that quickly peters out to higher coverage rates. It is your responsibility as a driver to take the time to research all of your car insurance options and to seek out the best possible coverage at the most affordable price. To do this, of course, takes time and effort. If you’re willing to put that forth, however, it won’t matter at all where you live; you can still get a great deal on your car insurance.

Your first step as a responsible driver is to compose a list of all of the licensed insurance providers in your area. Sometimes, insurance bureaus or the local Chamber of Commerce will maintain such a list and give it to you for free. If this is not the case in your area, then you can compile your list by searching through the phonebook or by browsing online. Make sure that you include both the larger, well known providers, like GEICO and All State, as well as the smaller, more local providers. These smaller providers, which are all too often overlooked, will usually have great deals and affordable coverage in an effort to keep up with the competition.

Once you have your list, you’re ready to begin the research process. You can start small by simply going to the website of each provider. Though you won’t be doing a lot of crossing off at this point, you can easily eliminate those providers that don’t cover your specific type of vehicle or that don’t offer policies that you feel suit your needs. After passing this initial phase of research, it’s time to get down and dirty! Read online reviews, written by past and current clients of each insurance company. While one or two or even a few bad reviews is normal, do take note if a particular provider receives overwhelmingly negative reviews, especially if it’s due to raising premium rates, poor customer service, or inefficient or unfair claims handling. Check the status of each provider with the Better Business Bureau, noting any complaints filed, and if possible, talk to others who have used the provider in the past. The information you learn from the process should help you to narrow down your list quite a bit and will make the rest of the process much simpler and much more manageable for you.

Your final step is to collect insurance rate quotes from each of the remaining companies. Quotes should always be provided to you free of charge; if a company tries to bill you for a rate quote or requires a “deposit” or credit card information, this is a big red flag that this is not a legitimate or honest company and definitely not one you should have any dealings with. When you have all of your rate quotes, put them in front of you and honestly assess them. Though it can be tempting to simply go with the provider that offers you the lowest cost automobile insurance, what you’ll really want to do is to look for the one that offers you the most adequate protection at the most reasonable rate. After all, cheap car insurance won’t do you a bit of good if it won’t keep you covered in the event of an accident.

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