Auto Insurance Estimates Vary by State

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Auto insurance estimates are tricky, as insurance premiums depend on a whole number of factors. Insurance premiums depend on the state, car, driver, type of coverage that a motorist decides to purchase, and others. Many people purchase merely the state required minimum, while others also purchase additional coverage for increased protection.

Following are some sample automobile insurance premium rates. The residents of Iowa, Idaho, and Maine pay a little over $600. Those who live in Massachusetts and Rhode Island pay over $1,000. The residents of New York, New Jersey, and Washington, D.C. pay an average of $1,200. As you can see, the discrepancy is quite astounding. Moreover, the reduced rates that you can obtain from some companies versus some other companies are also mind-boggling.

The best way to obtain car insurance estimates for your state is to fill out a number of insurance quotes. This is one of the only ways to obtain accurate estimates. The more complete the information is that you provide on the form, the more accurate your estimate will be.

Prior to shopping for auto insurance estimates, you need to decide on the type of coverage that you need. The most common types of insurance coverage include: liability, coverage for injuries, coverage for damages, collision, comprehensive, uninsured and under-insured motorist coverage. You are likely to be required to purchase a state-required minimum amount of some of the above in your state. You may want to consider whether the state-required minimum is enough for you, or whether you would be better off obtaining some additional types of coverage.

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