Más de 5 años de experiencia en redacción financiera
Certificado de planificación financiera por la Universidad de Boston
Erin es escritora y periodista especializada en finanzas personales. Sus artículos exploran inversiones, tarjetas de crédito, hipotecas, seguros y mucho más.
Compara cotizaciones de 70+ companías de seguros y ahorra hasta $717
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Basado en más de 3806 reseñas
4.8/5
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Las tarifas más baratas encontradas recientemente en Texas
Los conductores que utilizan Insurify han encontrado cotizaciones tan baratas como $35/mes para solo responsabilidad y $66/mes para cobertura total en Texas.
*Cotizaciones generadas para los usuarios de Insurify en los últimos 10 días. Actualizado el 6 de mayo de 2024
Las tarifas que se muestran son cotizaciones de usuarios de Insurify en tiempo real de más de 100 compañías de seguros y datos de Quadrant Information Services. El algoritmo de Insurify excluye las cotizaciones anómalas y anonimiza los datos personales. Luego, muestra las cotizaciones detalladas por precio, fecha y popularidad de la aseguradora hasta hace 10 días a partir de 6 de mayo de 2024. Las cotizaciones reales pueden variar según el perfil de conductor único del comprador de la póliza.
*Cotizaciones generadas para los usuarios de Insurify en los últimos 10 días. Actualizado el 6 de mayo de 2024
Las tarifas que se muestran son cotizaciones de usuarios de Insurify en tiempo real de más de 100 compañías de seguros y datos de Quadrant Information Services. El algoritmo de Insurify excluye las cotizaciones anómalas y anonimiza los datos personales. Luego, muestra las cotizaciones detalladas por precio, fecha y popularidad de la aseguradora hasta hace 10 días a partir de 6 de mayo de 2024. Las cotizaciones reales pueden variar según el perfil de conductor único del comprador de la póliza.
Garland drivers pay an average of $201 per month for car insurance. This is higher than the national average of $159 per month but more affordable than most other cities in Texas.
Texas residents pay high auto insurance premiums overall, which could be the result of several things, including the state’s high population and above-average minimum insurance requirements.
But if you live in Garland, you can still find ways to save. Here’s how.
Datos Breves
State Farm offers the cheapest insurance in Garland.
Garland drivers can get cheap car insurance by shopping around for coverage, saving with discounts, and choosing the right coverage for their needs.
Factors that may affect your insurance premiums include your driving history, age, credit score, location, and more.
Cheapest car insurance companies in Garland
Drivers in Garland have plenty of affordable auto insurance options to choose from. The best insurer for you will depend on your specific situation, needs, and budget.
To find this ideal insurer, you should compare quotes from several companies. As you begin your search, keep these three insurers in mind. Their state average coverage rates are included in the table below.
Insurance Company
IQ Score
The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-five scale. The Insurify editorial team researches insurer data to determine the final scores.
Descargo de responsabilidad: Datos en esta tabla encontrados en cotizaciones reales de las 50+ aseguradoras asociadas con Insurify, más estimaciones de Quadrant Information Services. las cotizaciones reales variarán en función del perfil de conductor único del asegurado.
El puntaje compuesto de Insurify (ICS) es una marca propietaria calculada por nuestro equipo de analistas, que se basa en múltiples factores que reflejan la calidad, la fiabilidad, y la salud financiera de una compañía de seguros.
Los factores de entrada a la puntuación se incluyen en el puntaje de A.M. Best, Standard & Poor’s, Moody’s, y Fitch; puntajes de J.D. Power; encuestas de satisfacción de los consumidores de Consumer Reports y de reclamaciones de los consumidores; opiniones de los usuarios sobre la aplicación móvil; y opiniones de los usuarios sobre la compañía.
The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-five scale. The Insurify editorial team researches insurer data to determine the final scores.
4.5
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
842
Liability Only
Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages.
$43/mo
Full Coverage
Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible.
$70/mo
State Farm is one of the top car insurance companies in the country — and the top company based on market share. It consistently offers some of the best prices for Garland drivers. It also has highly rated customer satisfaction and a wide range of available coverages and discounts to choose from.
Ventajas
Cheap insurance premiums in Garland
Above-average J.D. Power customer satisfaction rating in Texas
Savings for safe driving
Contras
High number of customer complaints, according to the National Association of Insurance Commissioners (NAIC)
The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-five scale. The Insurify editorial team researches insurer data to determine the final scores.
4.2
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
835
Liability Only
Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages.
$46/mo
Full Coverage
Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible.
$76/mo
GEICO might be right for you if you want to save as much money as you can through discounts. Not only does GEICO have some of the most affordable rates in Garland, but it also offers more discounts than nearly any other insurer. GEICO offers discounts for everything from your vehicle’s equipment to your driving habits, your personal affiliations, and more.
Ventajas
Many available discounts
Savings for safe driving
Robust digital tools
Contras
Below-average J.D. Power customer satisfaction rating in Texas
High number of customer complaints, according to the NAIC
We were with Geico for over 20 years and then had a terrible customer service experience. This wasn't a minor issue or just one agent. The problem involved conversations with multiple agents and supervisors. It's disappointing that after being insured with this company for so long, they showed no interest in resolving an unexpected situation that was actually an honest mistake made by one of their agents. I don't recommend them!
Elizabeth - April 25, 2024
Verified
Excellent
It has always been great.
Andrew - April 24, 2024
Verified
AI-Run, Money-Hungry Company
The customer service is poor and very unprofessional. It's impossible to speak to an agent.
The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-five scale. The Insurify editorial team researches insurer data to determine the final scores.
3.5
A.M. Best
A.M. Best analyzes an insurer’s financials, operating performance, business profile, and other factors to generate an opinion-based rating of a company’s financial and credit strength. Ratings range from aaa (exceptional) to c (poor).
NR
Liability Only
Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages.
$58/mo
Full Coverage
Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible.
$116/mo
Mile Auto is a per-mile auto insurance company, meaning you only pay for the miles you drive, along with a small base rate. It’s a great option for remote workers and other low-mileage drivers. According to Mile Auto’s website, low-mileage drivers can save between 30% and 40% on their insurance premiums by switching to per-mile insurance, depending on how much they drive.
Ventajas
Affordable coverage for low-mileage drivers
Only pay for the miles you use
Doesn’t track your driving location and habits
Contras
No available discounts
Pay higher premiums if you rack up the miles
No J.D. Power, AM Best, or NAIC ratings
How to get the cheapest car insurance in Garland
Your car insurance premiums depend on a variety of factors, including your age, gender, driving history, location, credit score, and more. Some of these factors are within your control, while others aren’t.
As you look to lower your car insurance rates, keep these tips in mind:
Shop around. The first insurance quote you get won’t necessarily be the best. Each insurer uses its own formula for setting premiums and may charge you different rates. Make sure to get quotes from multiple companies to find the one that offers you the best rates.
Take advantage of discounts. Most insurance companies offer discounts for everything from having a clean driving record and getting good grades in school to paying your policy premiums up front. Discounts can help you save hundreds of dollars per year on coverage.
Bundle your policies. If you also have other insurance products, such as home insurance or renters insurance, you can save money by bundling those policies with the same insurer.
Choose the right coverage. It’s important to purchase the right coverage to protect you in case of an accident. However, purchasing more coverage than you need can unnecessarily increase your premiums.
Find Cheap Car Insurance in Garland, Texas
Liability rates start at $43 per month
Seguro. Gratis. Fácil de usar.
Basado en más de 3806 reseñas
4.8/5
Cheapest liability-only car insurance in Garland: State Farm
Liability-only car insurance is the most affordable type of policy you can get. Liability car insurance pays for other people’s bodily injuries and damage to other people’s property if you’re responsible for an accident. However, this coverage will not cover any expenses you incur.
You can find the cheapest liability insurance in Garland from State Farm, with a rate of $43 per month.
Nearly every state requires a minimal amount of liability insurance, but you can purchase coverage above and beyond that coverage to protect yourself from out-of-pocket liabilities.
The below rates are estimated rates current as of: viernes, 3 de mayo, 0:00 p. m. GMT-7.
Insurance Company
Average Monthly Quote
State Farm
43
GEICO
46
Hugo
58
Mile Auto
58
Allstate
59
USAA
75
Safeco
87
Nationwide
99
Mercury
103
Midvale Home & Auto
106
Progressive
106
Dairyland
114
Clearcover
116
Chubb
128
National General
132
Liberty Mutual
137
Elephant
139
Commonwealth Casualty
143
Direct Auto
145
21st Century
147
The General
161
GAINSCO
163
Bristol West
178
State Auto
191
AssuranceAmerica
199
Infinity
206
Foremost
236
Hallmark
249
Descargo de responsabilidad: Datos en esta tabla encontrados en cotizaciones reales de las 50+ aseguradoras asociadas con Insurify, más estimaciones de Quadrant Information Services. las cotizaciones reales variarán en función del perfil de conductor único del asegurado.
Cheapest full-coverage car insurance in Garland: State Farm
Full-coverage car insurance is an option for drivers who want more protection than a liability-only plan can offer. While liability insurance covers damages and injuries to other people and their belongings, full-coverage insurance protects you as well.
It includes the legally required liability insurance but also includes coverages to pay for damage to your own vehicle after an accident or another incident, regardless of fault. Full coverage might be a good idea if you have a car that’s more valuable than you could afford to replace out of pocket. You may also be required to have full coverage if you have a lease or a loan on your vehicle.
State Farm offers the cheapest full-coverage insurance in Garland, at a monthly cost of $70.
Here, you can see a collection of full-coverage rates available from leading area insurers.
The below rates are estimated rates current as of: viernes, 3 de mayo, 0:00 p. m. GMT-7.
Insurance Company
Average Monthly Quote
State Farm
70
GEICO
76
Allstate
98
Mile Auto
116
USAA
125
Clearcover
153
Hugo
157
Mercury
163
Travelers
175
Nationwide
178
Progressive
188
Midvale Home & Auto
189
Safeco
189
Chubb
212
Elephant
226
21st Century
245
AssuranceAmerica
258
Liberty Mutual
280
Direct Auto
286
Dairyland
287
National General
292
Infinity
316
The General
324
Bristol West
336
State Auto
351
GAINSCO
353
Commonwealth Casualty
367
Foremost
474
Hallmark
494
Descargo de responsabilidad: Datos en esta tabla encontrados en cotizaciones reales de las 50+ aseguradoras asociadas con Insurify, más estimaciones de Quadrant Information Services. las cotizaciones reales variarán en función del perfil de conductor único del asegurado.
Car insurance requirements in Texas
Like most states, Texas law requires that all drivers have liability insurance. The minimum amount of liability coverage required in Texas is slightly higher than is required in most other states.
Keep in mind that while Texas mandates a minimum amount of coverage you must have, you can always purchase more.
In 2023, the average cost of a new vehicle exceeds the state’s liability requirements. If you’re at fault for an accident and the damages exceed your insurance limits, you could be on the hook for paying the remaining damages out of pocket.
Below, you can see the state minimum liability requirements:
Uninsured/underinsured motorist coverage pays for damage to your vehicle when the at-fault driver doesn’t have enough liability insurance (or any insurance at all).
Roadside assistance coverage
Roadside assistance coverage pays for services like towing, battery jump-starts, or tire changes when your car breaks down.
Rental car reimbursement coverage
Rental car reimbursement coverage pays for some or all of your rental car while your car is unusable after a covered incident, such as an accident or theft.
Cheapest car insurance for drivers with an incident
People with clear driving histories generally qualify for the most competitive rates. If you have any sort of incident on your record — including at-fault accidents, speeding tickets, driving under the influence, and more — you can expect to see your premiums increase.
Shop for Car Insurance in Garland, TX
Monthly rates start at $54 for drivers with an incident
Seguro. Gratis. Fácil de usar.
Basado en más de 3806 reseñas
4.8/5
Cheapest car insurance for drivers with a speeding ticket: State Farm
If you get a speeding ticket, your insurance premiums will likely increase. The amount they’ll increase may depend on how many miles per hour over the speed limit you were driving and whether you have other speeding tickets on your record.
How much your premiums will increase is also likely to depend on your insurer. Progressive states that customers see their prices increase an average of 15% after their first speeding ticket, while Liberty Mutual says rates tend to increase by 25%, on average.
The average rate for car insurance for drivers with a speeding ticket in Garland is $192 per month, and you can see the rates offered by leading insurers here.
The below rates are estimated rates current as of: viernes, 3 de mayo, 0:00 p. m. GMT-7.
Insurance Company
Clean Driving Record
With Speeding Ticket
State Farm
43
55
GEICO
46
59
Hugo
58
79
Mile Auto
58
81
Allstate
59
76
USAA
75
97
Safeco
87
114
Nationwide
99
129
Mercury
103
143
Midvale Home & Auto
106
142
Progressive
106
137
Dairyland
114
148
Clearcover
116
151
Chubb
128
167
National General
132
188
Liberty Mutual
137
195
Elephant
139
198
Commonwealth Casualty
143
204
Direct Auto
145
190
21st Century
147
195
The General
161
211
GAINSCO
163
232
Bristol West
178
228
State Auto
191
268
AssuranceAmerica
199
263
Infinity
206
277
Foremost
236
336
Hallmark
249
322
Descargo de responsabilidad: Datos en esta tabla encontrados en cotizaciones reales de las 50+ aseguradoras asociadas con Insurify, más estimaciones de Quadrant Information Services. las cotizaciones reales variarán en función del perfil de conductor único del asegurado.
Cheapest car insurance for drivers with an at-fault accident: State Farm
Getting into an auto accident can be expensive. You might be on the hook for some out-of-pocket expenses for the injuries or damages you cause. Additionally, you’ll end up paying more in the long run in the form of higher insurance premiums.
The amount your rate will increase after an at-fault accident depends on factors such as the severity of the accident, whether it was your first accident, and more. If you’re involved in an accident, you can expect your rates to increase by 26%.
It’s worth noting that while rates are most likely to increase after an at-fault accident, they can also increase after an accident where you weren’t at fault. However, this increase likely won’t be as large.
In Garland, you can expect to pay an average rate of $304 per month.
The below rates are estimated rates current as of: viernes, 3 de mayo, 0:00 p. m. GMT-7.
Insurance Company
Clean Driving Record
With Accident
State Farm
43
59
GEICO
46
63
Hugo
58
77
Mile Auto
58
87
Allstate
59
81
USAA
75
103
Safeco
87
116
Nationwide
99
137
Mercury
103
150
Midvale Home & Auto
106
153
Progressive
106
148
Dairyland
114
156
Clearcover
116
169
Chubb
128
177
National General
132
180
Liberty Mutual
137
205
Elephant
139
188
Commonwealth Casualty
143
194
Direct Auto
145
204
21st Century
147
206
The General
161
225
GAINSCO
163
217
Bristol West
178
240
State Auto
191
289
AssuranceAmerica
199
275
Infinity
206
279
Foremost
236
353
Hallmark
249
332
Descargo de responsabilidad: Datos en esta tabla encontrados en cotizaciones reales de las 50+ aseguradoras asociadas con Insurify, más estimaciones de Quadrant Information Services. las cotizaciones reales variarán en función del perfil de conductor único del asegurado.
Cheapest car insurance for drivers with a DUI: State Farm
Driving under the influence (DUI) has major implications for many areas of your life. You can face financial penalties, driver’s license suspension, and even jail time.
Additionally, your car insurance premiums will probably increase significantly (and you may be denied coverage altogether by some companies). The size of the rate increase you’ll face depends on a variety of factors, but you can expect to pay about 66% more for insurance, according to Insurify data. In some cases, your rates could double, or your insurer could drop you altogether.
The average rate for car insurance with a DUI is $345 per month in Garland, and here you can see some of the rates offered by top insurers.
The below rates are estimated rates current as of: viernes, 3 de mayo, 0:00 p. m. GMT-7.
Insurance Company
Clean Driving Record
With DUI
State Farm
43
73
GEICO
46
78
Hugo
58
98
Mile Auto
58
90
Allstate
59
100
USAA
75
127
Safeco
87
147
Nationwide
99
168
Mercury
103
158
Midvale Home & Auto
106
180
Progressive
106
180
Dairyland
114
193
Clearcover
116
197
Chubb
128
217
National General
132
224
Liberty Mutual
137
232
Elephant
139
235
Commonwealth Casualty
143
242
Direct Auto
145
246
21st Century
147
249
The General
161
273
GAINSCO
163
276
Bristol West
178
302
State Auto
191
324
AssuranceAmerica
199
337
Infinity
206
349
Foremost
236
400
Hallmark
249
422
Descargo de responsabilidad: Datos en esta tabla encontrados en cotizaciones reales de las 50+ aseguradoras asociadas con Insurify, más estimaciones de Quadrant Information Services. las cotizaciones reales variarán en función del perfil de conductor único del asegurado.
Cheapest car insurance for seniors: State Farm
Generally speaking, insurance premiums tend to decline over a driver’s lifetime. However, once a driver reaches their 70s, rates may start to increase again.
This is because declining vision and other physical challenges can increase a person’s driving risk as they age. In addition, accidents involving older drivers are more likely to carry considerable medical expenses.
In Garland, seniors pay an average of $144 per month for coverage, and you can see insurers offering more affordable rates below.
The below rates are estimated rates current as of: viernes, 3 de mayo, 0:00 p. m. GMT-7.
Insurance Company
Liability Only
Full Coverage
State Farm
31
50
GEICO
34
56
Hugo
38
103
Mile Auto
41
81
Allstate
44
73
USAA
55
92
Safeco
65
141
Nationwide
68
123
Progressive
70
125
Mercury
72
114
Midvale Home & Auto
75
133
Dairyland
85
214
Clearcover
86
113
Chubb
87
144
National General
99
218
Liberty Mutual
100
204
Elephant
101
164
21st Century
102
170
Direct Auto
103
203
Commonwealth Casualty
105
269
GAINSCO
123
266
The General
123
247
Bristol West
132
250
State Auto
137
251
AssuranceAmerica
140
181
Infinity
143
220
Foremost
170
342
Hallmark
175
348
Descargo de responsabilidad: Datos en esta tabla encontrados en cotizaciones reales de las 50+ aseguradoras asociadas con Insurify, más estimaciones de Quadrant Information Services. las cotizaciones reales variarán en función del perfil de conductor único del asegurado.
Cheapest car insurance for teens: GEICO
Young drivers — especially teens — pay the highest car insurance premiums, and it’s easy to see why.
Teen drivers are significantly more likely to be involved in fatal accidents.[1] They also engage in high-risk driving activities like night driving, distracted driving, not wearing seat belts, and more. Combine that with the lack of experience new drivers have, and it’s understandable that car insurance companies charge higher rates for teens.
If you have a teen driver on your auto insurance policy, you can do some things to reduce their premiums. Start by ensuring they have a safe vehicle, then, keep them on your family insurance policy rather than having them start their own. Additionally, you’ll want to see if they qualify for discounts for good grades, taking defensive driving courses, and more.
These steps could help your teen pay less than the average of $344 per month.
The below rates are estimated rates current as of: viernes, 3 de mayo, 0:00 p. m. GMT-7.
Insurance Company
Liability Only
Full Coverage
GEICO
70
116
State Farm
71
115
Hugo
99
267
Allstate
100
167
Mile Auto
109
219
USAA
121
202
Nationwide
164
296
Safeco
179
389
Midvale Home & Auto
180
321
Mercury
183
290
Dairyland
186
469
Progressive
187
332
Clearcover
220
291
Elephant
223
363
Chubb
230
380
21st Century
238
397
National General
239
529
Commonwealth Casualty
247
634
Liberty Mutual
249
509
The General
254
510
Direct Auto
258
509
GAINSCO
285
618
Bristol West
295
556
State Auto
329
605
AssuranceAmerica
360
467
Infinity
368
565
Foremost
407
817
Hallmark
432
857
Descargo de responsabilidad: Datos en esta tabla encontrados en cotizaciones reales de las 50+ aseguradoras asociadas con Insurify, más estimaciones de Quadrant Information Services. las cotizaciones reales variarán en función del perfil de conductor único del asegurado.
A good or excellent credit score may indicate that you’re a lower-risk individual and, therefore, can help you get access to lower insurance premiums. On the other hand, a poor credit score could indicate that a person is higher risk and result in higher insurance premiums.
The table below shows how average rates fluctuate based on a person’s credit profile.
Rates by Credit Tier
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.
That means the state ranks in the top third of states with the highest insurance premiums.
Texas’ higher insurance premiums are caused by a variety of factors, including the state’s higher minimum-coverage requirements, its large population, and the fact that it has a higher rate of car accident deaths than the national average.
Car insurance premiums can also vary within a state by city, or even ZIP code, based on factors like the rate of accidents, rate of uninsured drivers, crime rate, and more. The good news is that within Texas, Garland has lower insurance premiums than many other cities.
More cities in Texas
Garland has lower average insurance premiums than many Texas cities, including Dallas, Houston, Mesquite, and Plano. The table below shows how Garland’s rates compare to other cities in the state.
Descargo de responsabilidad: las cotizaciones reales variarán en función del perfil de conductor único del asegurado.
Garland car insurance FAQs
Looking for more information to help you find the best rates in Garland? Check out the answers below.
How much is car insurance in Garland?
The average rate for liability-only coverage in Garland is $135 per month, and the average monthly rate for full coverage is $266. This makes Garland one of the more affordable cities in Texas.
Which insurer has the cheapest car insurance in Garland?
State Farm offers the cheapest insurance in Garland, at $43 per month. GEICO and Hugo also offer cheap rates, at $46 and $58 per month, respectively. The best way to find the best coverage for you is to compare quotes from several insurers.
What are the best car insurance companies in Garland?
State Farm, GEICO, and Mile Auto are three of the leading insurers in Garland. State Farm and GEICO are known for their long history, low rates, and strong financial stability. Mile Auto is a newer insurer, but because it offers pay-by-the-mile coverage, it could be a very affordable option for people who seldom drive.
What is the average monthly car insurance cost in Texas?
The average rate for liability-only car insurance in Texas is $119 per month, and the average rate for full-coverage insurance is $251 per month. This places Texas in the top third of the most expensive states in the country for auto insurance. These costs are due to several factors, including Texas’ high minimum insurance requirements and the number of accidents that occur on Texas roads.
Metodología
Las cotizaciones de seguros de auto que se muestran se basan en un análisis de la base de datos de Insurify de más de 40 millones de cotizaciones de 500 códigos ZIP a nivel nacional. Para obtener las tarifas representativas, el equipo de datos de Insurify realiza análisis exhaustivos frecuentes de los factores utilizados por las aseguradoras de autos para calcular tarifas, incluyendo datos demográficos del conductor, historia del conductor, puntuación de crédito, nivel de cobertura deseado y más.
El análisis de Insurify también incorpora la puntuación compuesta Insurify (ICS) asignada a cada compañía de seguros. La ICS es una puntuación propietaria que pesa factores que reflejan la calidad, fiabilidad y salud de una compañía de seguros. Las puntuaciones utilizadas para calcular la ICS incluyen las puntuaciones financieras de A.M. Best, Standard & Poor’s, Moody’s, y Fitch; puntuaciones de J.D. Power; encuestas de satisfacción de consumidores de Consumer Reports y denuncias de consumidores; opiniones de los usuarios en las aplicaciones móviles y opiniones de los usuarios en las compañías; y las opiniones de los usuarios en las compañías.
Con los análisis y métodos de clasificación anteriores, Insurify es capaz de ofrecer a los consumidores de seguros de autos una perspectiva de cómo varían las cotizaciones de las compañías de seguros en relación a uno a uno en términos de costo y calidad. Tenga en cuenta que las cotizaciones reales varían según los atributos únicos incluidos en la poliza del conductor y su dirección de garaje.
Sources
CDC. "Teen Drivers and Passengers: Get the Facts."
Erin Gobler
Erin Gobler es una escritora y periodista especializada en finanzas personales basada en Madison, Wisconsin. Con más de cinco años de experiencia, Erin ha cubierto temas como inversiones, tarjetas de crédito, hipotecas, seguros y mucho más. Su trabajo ha aparecido en publicaciones importantes como Business Insider, Fox Business y Time. Erin recibió su bachillerato de la Universidad de Wisconsin-Oshkosh en 2013, estudiando periodismo y ciencias políticas. También recibió un certificado de planificación financiera de la Universidad de Boston en 2022.