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How do I calculate the monthly insurance payment on my car?
I'm leaving my current insurance provider because their rates are too high in the state I moved to. How do I find car insurance online and know how much I’m going to be paying?
Carlos Kirby · Updated on
Reviewed by Shannon Martin, Licensed Insurance Agent.
Switching insurance providers can seem like a strenuous process. However, using a service like
Jerry
can help you compare car insurance quotes online
to save the time you would spend contacting each provider individually.While you can’t calculate your premiums on your own, you can estimate whether you’ll pay more or less than average before signing on to a policy. Factors that affect your premium costs include:
- Your car: the more expensive the car, the higher your rates will be
- Age and gender: young and elderly drivers will pay more for insurance. Women often pay more than men over a lifetime (not necessarily in the short run)
- Driving and claim history: if you have more accidents or violations on your record, you will pay more for insurance
- Geographic location: some states face higher premiums (e.g., Michigan, Louisiana, Florida) than others (i.e. North Carolina, Virginia, New Hampshire)
- Credit score: a better credit score may score you lower rates
The best way to find the best rates online is to check with as many providers as you can. Even though your history may predispose you to higher premiums, each provider uses its own algorithm, and you might be surprised to learn what kinds of savings are available to you.
That’s why Jerry allows you to compare quotes from up to 50 top insurers (and did we mention this service is free?)!
View full answer
- Gregory R.
WHY YOU CAN TRUST JERRY
Jerry partners with more than 50 insurance companies, but our content is independently researched, written, and fact-checked by our team of editors and agents. We aren’t paid for reviews or other content.
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