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In two minutes, we'll provide you with a free, no-obligation auto insurance quote. There's no need to talk with a representative since the entire procedure is simple, fast, and entirely online.
We understand that you may require auto insurance right now, so as soon as you purchase your policy, we'll provide proof of coverage. With a simple, hassle-free online quote from Insurance Navy, there is no easier way to get a cheap auto insurance quote.
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If you're looking for low-cost car insurance quotes, you've come to the right company. We understand how time-consuming it is to search for insurance quotes online, and we take pleasure in giving them fast and easy. We provide you with the coverage you need at the lowest price.
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Two Minutes is all it takes to receive an auto insurance quote from Insurance Navy. All you need to do is click a button and let our car insurance comparison tool do the rest of the work.
The quality service doesn't end with your quote. Insurance Navy proudly uses a customer orientated approach. We've grown into one of the largest insurance agencies due to helping drivers receive the cheapest car insurance quotes they need at an affordable price. Even those drivers with a bad driving history can get a reasonable quote. Anyone can get insured when they choose a policy with Insurance Navy.Get a Free Online Quote Now
Why Every Driver Should Choose
Millions of people know that Insurance Navy is a company they can rely on and trust. After you get your free car insurance quote online, Insurance Navy is here to help you every step of the way towards getting your vehicle insured instantly.
Many drivers, even those who are high-risk to insure, pick Insurance Navy because our rates and premiums fit perfectly in their budgets. Payment plans are readily available at the same time along with excellent customer service regardless of your driving history.
Our mobile app can be downloaded to any smartphone. Insurance Navy proudly offers the option to go paperless when it comes to your insurance payments, along with the option to schedule payment dates or plans. We're also highly flexible with our payment methods and accept cash, credit, or debit cards. You'll also be able to manage your car insurance policy via our app anywhere.
Here's What Our Policyholders Are
Great customer service from Rosie she was able to help get my 2 vehicles insured within minutes and low rates plus offered roadside assistance. Been coming here for a while now, in-person or over the phone, she’s been a gate help.
ZENAIDA RIVERA IS THE BEST AGENTE EVER
I’m very pleased with their customer service. Brenda is super attentive and was able to answer all my questions. recommend 100%
Great customer service very informative. Def recommended
Thanks to Michelle, very professional. Always takes care of her customers. Got me a really good monthly price on my car insurance! Definitely recommend!!!
Look no further for low-cost car insurance! Insurance Navy was our answer! Alejandra was a gem! She was so professional and very patient with all my questions. I was so happy I came here!
How Does Car Insurance Work?
A car insurance policy is essentially a contract or commitment between an insurance company and a policyholder. This contract is enacted once you settle on the coverage you need. The policy a customer agrees to will outline all the terms of coverage. If it is not written, it will not be covered.
Once you agree to a policy and its coverage (and exclusions), you will begin paying your monthly premiums. You should have an idea of what your premiums will be prior to signing with your insurance provider. This can be done so by obtaining quotes. A Quote is offered for free by insurance companies and gives an estimate for how much your auto insurance coverage will be. They are determined by a number of personal factors, like where you reside and your car type. More on how premiums are decided will be explored later. Paying your monthly premiums will keep your policy active for the set term, usually six or twelve months. Once the term is up, you will have the option to renew or find a new insurance company.
Car Insurance Near Me
Hearing about low-cost auto insurance rates hundreds of miles away might not be beneficial. Rather, it's critical to discover cheap car insurance near you.
This is why Insurance Navy is glad to provide rates for all 50 states online and over the phone. Furthermore, we have locations in the following states where you can meet with our highly trained agents in Illinois, Indiana, Texas, and California.
Lower Your Auto Insurance Rates
Car insurance can get pretty pricey, depending on your circumstances. Some things about your insurance rates can be customed while others you can't control. Luckily, there are a number of savings out there that you can try to use to lower your premiums. Outlined below are some steps you can take to lower your insurance rates.
Compare Car Insurance Rates
Get the best price by doing some research and comparing car insurance rates. It is vital that you get a quote from several insurance companies. Look both locally and nationally. When you find an appealing quote, make sure you take time to compare car insurance policies that are offered. A good price for an insurance quote does not equal good coverage. You want to make sure you will actually be protected in the event of an accident. Failure to check can leave your finances at risk. Cheaper car insurance with good coverage is out there and more obtainable than you think.
Better Your Credit Score
This one may take some time but could be really worth it. If you have a less than favorable credit score and are paying more for car insurance premiums, you can take some steps to improve your score, such as paying your bills on time or using a secured credit card. By improving your credit score, you will appear more financially responsible. Insurers will then see you as less of a risk. Doing this can really help you in the long run.
Downgrading Your Car
While driving a big fancy car may be appealing, you could be paying a lot to insure it. Ask yourself if you really need the car you are driving. If it is becoming a hassle to insure, you may want to consider downgrading to something smaller and more affordable. Once you have done so, inform your insurance provider, and you should see some decrease in your rates. It may not be much, but the pennies do add up.
Not filing claims is a great way to keep your insurance premiums low. After each claim you file, your rates will typically go up a bit. Accidents and the accumulation of them can make insurers view you as a high-risk driver. By being a smart and safe driver, you will file fewer claims and can then keep your rates low. There may even be a chance to lower your rates after an accident by taking a defensive driving course following a collision claim.
Utilize Car Insurance Policy Discounts
Insurance companies offer a plethora of discounts. You should definitely take advantage of them when you can. Don't be afraid to ask your insurance agent about them if they are not listed on the insurer's website. Agents will be valuable resources especially since there may be more discounts you are unaware of. Here are some common auto insurance policy savings customers should be on the lookout for:
Good driver discounts
Military service member/veteran discount
Multi-policy, multi-car discounts
Adjust Insurance Coverage
How high or low you set your coverage limits will impact your premiums. If you opted for a higher coverage limit, you could try lowering it to reduce your rates. However, you want to make sure that you are not going below your state's mandated minimums. You also want to make sure you still have enough coverage that you will actually receive assistance in an accident. Lower rates are always appealing, but you never want to jeopardize your coverage just for lower premiums.
Bundling Insurance Quotes
Many insurance companies offer breaks on premiums to customers who have multiple types of insurance policies with them. In this case, you could bundle homeowners insurance and your auto insurance policy under one company. By doing so, you may get a break on your rates. Not every company offers this, though, so make sure you do some research if you are interested.
Average Cost For Car Insurance
It is hard to give a definitive answer for the average cost of car insurance. There are a lot of factors that go into determining every driver's rate. Your premiums can be greatly different from your neighbors. However, it may still be useful to establish a baseline you can reference when shopping. On average, drivers pay around $1,600 annually for full coverage car insurance. That comes out to be about $133 per month. But remember, your quote can easily be above or below this average, especially if you are only paying for basic coverage.
Factors That Effect Your Insurance Rates
As previously mentioned, there are a number of factors that insurance companies use in order to establish your annual insurance premiums. It is best to keep this in mind when you are going to get a quote and begin to budget for your new policy. Companies require this information to be presented at the time of requesting a quote. Rates can be determined by:
Location - Where you live will play a big factor in your car insurance rates. Not only does your state and its mandatory insurance minimums affect your rates, but even something as specific as your zip code can be taken into consideration. If you reside in an area with a higher crime or accident rate, your quote will be higher. Factors like traffic volume in the area can also be taken into account.
Driving record - When applying for insurance, the company will typically investigate your driving record. If you have no record or one with multiple accidents listed, your rates are going to be higher as you are considered to be a high-risk driver.
Credit score - Some providers will take your credit score into account. Credit scores are assumed to be the best indicator of how financially responsible you are. When you have a high credit score, you most likely pay your bills on time which is appealing to insurance companies. In turn, your rates quote be lower. However, if you have a poor credit score, be prepared to shell out a little extra for coverage.
Age and sex - Sadly, in many states, both your age and sex can be taken into consideration when determining your insurance rates. Teen drivers and the elderly are the ones that pay more for coverage. This is due to the fact these two age groups tend to get into more accidents. When it comes to sex, men see higher rates than women as they have a habit of engaging in risky behavior.
Type of car - The car you drive will impact your insurance rates. Some cars are just more expensive than others to insure. This can be due to the availability of parts and the car's safety features.
What has been outlined above are just some of the factors that will be taken into consideration when searching for cheap auto insurance quotes. Some other things insurance providers look at include the amount of coverage you want and your history of insurance with other providers.
How Much Insurance Does Your Car Need?
Setting your coverage is a big part of purchasing an auto insurance policy. Coverage limits are the maximum amount of money your insurer will pay in the event of a claim. For example, if your vehicle has $30,000 worth of damage but your coverage limit is set at $20,000, there is $10,000 worth of damage not covered. How much coverage you need is dependent on your state's laws and your personal needs. You must carry at least the state-mandated minimums, but you can always purchase higher limits if you feel you need them. Accidents can be very pricey. It is not recommended that you strictly rely on the state-mandated insurance minimums. It is highly unlikely that they will provide you with enough coverage.
Understanding Car Coverage Limits
Car insurance coverage limits are expressed on policies as a string of three numbers. For example, you will most commonly see them written out as either: 15/30/15 or $15,000/$30,000/$15,000. Each of these numbers correlates to specific liability insurance. They represent bodily injury per person, bodily injury per accident, and property damage, respectively. Being able to read coverage breakdowns will be beneficial for understanding the full scale of coverage for the policy you purchase.
Frequently Asked Questions
Finding the most affordable car insurance rates for you can be done by pulling quotes and analyzing policies. You should look into as many companies as you can. Insurance Navy shops around from multiple companies to find you the lowest auto insurance rates. Each sets its own rates and offers a variety of discounts. Finding car insurance that fits nicely into your financial budget and offers good quality coverage is absolutely possible with Insurance Navy.
Many insurance companies, including Insurance Navy, offer free car insurance quotes. They can be obtained online, in person at a company's storefront, or over the phone. You will typically need to just provide your name, location, and facts about your vehicle in order to get a quote. Keep in mind that quotes are just an estimation of what you could be charged for coverage.
Yes, car insurance quotes are typically free. Charging for quotes usually is not a good business strategy, so many providers opt to offer them at no charge to you. This goes for Insurance Navy as well. We offer free car insurance quotes anyone can get in just a few clicks. There are no fees or catch.
How much you will be paying for car insurance coverage depends on a variety of personal factors. On average, nationally, drivers pay around $1,400 for car insurance annually. Your rates may be lower or higher than this, depending on things like where you live and what kind of car you drive. It would be best to pull quotes to see how much you could be spending.
At the very least, you need to carry your state's mandatory insurance minimums. Beyond that, though, it is really up to you regarding how much insurance you want to carry. It is highly recommended that you carry well beyond the required liability insurance coverage. You do not want to leave you or your finances at risk following an accident.
Car insurance provides you with protection following an accident. It can offer both you and the other driver coverage for damage and bodily injuries, depending on your policy. It is a very vital piece of insurance to carry.
Yes. Nearly every state in the country requires drivers to carry a certain amount of car insurance in order to be considered legal drivers. You must not only abide by these laws but also carry enough insurance to protect yourself in the event of an unexpected tragedy. You have a very important responsibility as a driver to carry proper auto insurance.
If you fail to provide proof of auto insurance in a state that requires it, you could be facing a number of penalties. Penalties can include license suspension, vehicle impoundment, fines, and possible jail time.