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How Car Insurance Rates Are Set | Back to Automobile Insurance

The price of auto insurance is decided by the behavior of drivers as a whole. Auto insurance companies take the cost of providing insurance for drivers (this includes settlements and legal fees) and divide it up among the drivers.

But these costs aren't spread around evenly. Instead, the percentage you pay is decided by things like your driving record, your age, where you live, and the kind of car you drive.

Of course, not all auto insurance providers figure their percentages the same way. So they'll charge different rates on the same driver.

What this means for you as a driver, is that you need to shop the different rates (and they'll be very different!) for the best deal. It's the fastest easiest way to save on an auto insurance policy.

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The following are a few, but not all, of the insurance providers used by QuickQuoteUS

BlueCross BlueShield, Cigna, Aetna, Assurant, Humana, Progressive