Did you know our team looked at over 130 top¹ auto insurance providers in the U.S.? We checked 8,500 data points and spent 800 hours to find the best coverage options¹. Plus, we talked to 12,500 customers to see what they really think about different insurers¹.

Travelers came out on top as the best provider overall. But, the best car insurance for you can change a lot based on what you need and your budget¹.

Key Takeaways

• Our research team analyzed over 130 top auto insurance providers in the U.S.
• We evaluated 8,500 data points, including cost, coverage, and customer satisfaction
• Travelers was identified as the highest-rated provider overall
• The best car insurance can vary based on individual needs and budget
• Most states require drivers to carry minimum liability, uninsured motorist, and PIP coverage

Understanding Auto Insurance Coverage

Auto insurance covers several key types that drivers should know². Most states require you to have bodily injury and property damage liability coverage. These cover damages and injuries you cause to others in an accident². Many states also need you to have Medical Payments or Personal Injury Protection (PIP) coverage, and Uninsured Motorist Coverage². But, Collision and Comprehensive coverage are optional, letting you choose if you want them in your policy².

Types of Auto Insurance Coverage

There are six main types of auto insurance coverage:

• Liability Coverage
• Collision Coverage
• Comprehensive Coverage
• Medical Payments Coverage
• Personal Injury Protection (PIP)
• Uninsured/Underinsured Motorist Coverage

Liability Coverage

Liability coverage is key because it pays for damages and injuries you cause to others in an accident³. In Texas, drivers must show they can pay for accidents they cause, usually with auto liability insurance³. Texas sets the minimum auto liability coverage at $30,000 for injuries per person, $60,000 per accident, and $25,000 for property damage³.

Collision and Comprehensive Coverage

Collision coverage helps pay for fixing or replacing your car after an accident. Comprehensive coverage covers damages not from a collision, like theft, fire, or natural disasters³. In California, you must have at least $5,000 for property damage liability⁴. Good Drivers in California get auto insurance rates at least 20% lower than non-Good Drivers at the same company⁴.

It’s smart to get Comprehensive and Collision coverage. They protect your vehicle from incidents you can’t control².

Factors Affecting Auto Insurance Rates

Many things can change how much you pay for auto insurance. This includes your age, how long you’ve been driving, the car you drive, and where you live. Knowing these can help you make better choices and maybe save money on insurance.

Age and Driving Experience

Younger and less experienced drivers usually pay more for insurance. Drivers 70 and older pay about $2,495 a year for full coverage⁵. Those with poor credit pay 69% more than those with excellent credit⁵. Women often pay less because they’re less likely to be in accidents⁵.

Location and State Requirements

Where you live can change how much you pay for insurance. In Florida, drivers pay about $3,945 a year, while Vermont’s average is $1,353⁵. Some states like California and Massachusetts don’t use credit scores for insurance rates⁶.

Vehicle Type and Usage

The car you drive and how you use it also matters. Luxury cars with new tech cost more to fix or replace, so insurance is pricier⁶. Driving a lot, over 15,000 miles a year, can also raise your insurance costs because you’re on the road more⁷.

In short, your age, driving history, where you live, the car you drive, and how you use it all affect your insurance rates. Understanding these can help you make smarter choices and possibly save on insurance⁵⁶⁷.

Comparing Auto Insurance Quotes

To find the best auto insurance at a good price, compare quotes from many providers. Online tools make it easy to check rates from different companies. This lets you see which policy fits your needs and budget⁸. Experts say to look at at least three quotes to get the best deal⁸.

Make sure to compare the same coverages and deductibles across providers. This ensures you’re looking at apples to apples. It helps you see the real price differences and pick the best policy for you. Also, give accurate info when asking for quotes to get the most accurate rates⁸.

Online Quotes vs. Local Agents

Online tools are great for comparing auto insurance, but local agents offer personalized help. They know the local market well and can guide you to the best coverage at a good price⁹. For example, GEICO saves customers over $700 a year, and they’re very happy with their service⁸.

Each insurance company has its own way of pricing and offering discounts. So, it’s key to look at quotes from several places to make a smart choice⁸. Whether you use online tools or talk to a local agent, make sure to check out all your options. This way, you can find the best and most affordable auto insurance.

Evaluating Customer Reviews and Ratings

Looking at customer reviews and ratings is just as important as comparing prices. Check out online reviews and ratings to see how companies handle claims and customer service¹⁰. Insurify has given out over 100 million quotes and saved customers an average of $717 a year¹⁰.

By looking at both prices and customer satisfaction, you can choose the best auto insurance for you. This way, you get the coverage you need at a good price.

Insurance Provider	Average Full Coverage Rate	Average Minimum Coverage Rate
USAA	$1,694	$442
Erie	$3,229	$888
State Farm	$2,419	$754
GEICO	$2,197	$680

⁹

Top Auto Insurance Providers in the US

Looking for the best auto insurance in the US? Several companies lead the pack. State Farm, Progressive, Geico, Allstate, and USAA are at the top¹¹¹².

State Farm is the biggest, covering 16.8% of the market with $46.7 billion in premiums¹¹. They’re known for their local agents and many coverage options¹². Progressive is close behind, with 14.1% of the market and $38.9 billion in premiums¹¹¹². They offer great rates and new insurance programs based on how you use your car.

Geico is the third big name, with 13.8% of the market and $38.1 billion in premiums¹¹¹². People like Geico for its easy website and discounts. Allstate comes next, with 10.7% of the market and $29.6 billion in premiums¹¹¹². They’re known for their wide range of coverage and great customer service.

USAA focuses on veterans, military, and their families, with a 5.9% market share and $16.4 billion in premiums¹¹¹². They’re famous for making customers happy and being financially strong. Other top providers include Liberty Mutual, Farmers Insurance, Travelers, American Family Insurance, and Nationwide, each offering something special¹¹¹².

Choosing an auto insurance provider means looking at their financial health, customer happiness, coverage, and prices. Knowing the industry leaders helps consumers pick the best coverage for their needs¹³.

Discounts and Ways to Save on Auto Insurance

Auto insurance companies offer discounts to help drivers save money. They have many options, like good driver and student discounts. You can also save by being in the military or by bundling policies¹⁴.

Common Discounts Offered

Some common discounts include:

• Good (safe) driver discount
• Student discount
• Anti-theft device discount
• Paperless discount
• Military discount
• Automatic payments discount
• Loyalty discount
• Low-mileage discount
• Bundling discount
• Paid-in-full discount

These discounts can save you a lot on your insurance¹⁵.

Telematics and Safe Driving Programs

Many companies now offer telematics and safe driving programs. These programs track your driving habits. If you drive safely, you can get discounts from companies like State Farm and Progressive¹⁴.

If you don’t drive much, you might save even more with pay-per-mile insurance. Companies like Metromile offer these options¹⁴.

Using these discounts and programs can save you hundreds a year on insurance¹⁴¹⁵¹⁶.

“Discounts and strategies such as low mileage discounts, multiple policy discounts, loyalty discounts, safety feature discounts, profession-based discounts, good student discounts, pay upfront discounts, and more can contribute to saving money on auto insurance.”¹⁶

Discount Type	Description
Good (safe) driver discount	A common discount for drivers maintaining a good driving record.
Student discount	Available for students with a certain GPA.
Anti-theft device discount	Offers savings for having security devices in use.
Paperless discount	Opting for electronic policy documents.
Military discount	Discount for current or former members of the military.
Automatic payments discount	Offered for setting up automatic premium payments.
Loyalty discount	Savings for renewing your policy.
Low-mileage discount	Tailored rates based on driving habits.
Bundling discount	Up to 10-25% for combining multiple insurance policies.
Paid-in-full discount	Offered to policyholders who pay their entire premium upfront.

By using these discounts and programs, drivers can save a lot on their insurance. This helps you find the best coverage for your needs¹⁴¹⁵¹⁶.

auto insurance

Auto insurance is a key financial safety net for drivers in the U.S. It’s a deal between you and an insurance company. This deal outlines the coverage and protection you get for your premium payments. Most states require this coverage and it offers important financial help if you’re in an accident or another covered event¹⁷.

Understanding the different types of auto insurance and what affects your rates is important. There are many options, like liability, collision, and comprehensive coverage. Learning about these can help you make smart choices and find the right coverage for your budget.

Auto insurance gives you peace of mind. It lets you feel secure on the road, so you can focus on driving. Whether you’re new to driving or have been doing it for years, staying up-to-date with auto insurance news can help you feel confident.

We’ll look closer at auto insurance in the next sections. We’ll cover the different coverage options, what affects your rates, and how to find the best deals. By the end of this guide, you’ll know how to make smart choices and protect yourself and your car on the roads¹⁸¹⁹.

Claims Process and Customer Service

Filing an auto insurance claim is easy but knowing your policy and the claims process is key²⁰. Every year, 6 million crashes are reported, causing 3 million injuries or deaths²⁰. The process includes reporting the incident, detailing the damage or injuries, and working with your insurer.

Filing a Claim

Contact your insurance company right after an accident²¹. Policyholders usually start the claim process, but others involved might also need to file²¹. Who makes the claim depends on the policy and the accident details²¹. The coverage you have affects what you can claim, as some damages might not be covered²¹.

Companies like Progressive make filing claims easy through online, apps, or phone calls²². You can choose to get your car fixed or get paid for the damages²². For windshield repairs, you can use Safelite AutoGlass for fast service²².

Assessing Customer Satisfaction

Choosing an auto insurance means looking at their customer service and how they handle claims. Good customer feedback shows an insurer’s effort to solve claims quickly and support their customers²⁰. Some states require personal injury protection (PIP) insurance, while others have medical payments (MedPay) for injuries²⁰. Getting medical help right away is key to avoid delays that could question your claim²⁰. It’s best not to guess what happened when reporting your claim to avoid affecting its outcome²⁰.

Knowing how to handle auto insurance claims and valuing customer service makes the process smoother²⁰. Small claims courts have low fees and hearings happen in a month or two²⁰. But, filing deadlines can vary from one to 20 years²⁰²²²¹.

High-Risk Drivers and Auto Insurance

Finding affordable auto insurance is tough for high-risk drivers. This includes those with a history of accidents, traffic violations, or poor credit scores. Insurance companies think these drivers are more likely to make claims, so they charge more. But, with some effort, high-risk drivers can find insurance that meets their needs and budget.

Drivers with Accidents or Violations

Auto insurance rates can go up a lot for drivers with accidents or traffic violations²³. A study found that drivers convicted of DUI might see their insurance rates jump by 50% or more, or even have their policy canceled²⁴. Also, a speeding ticket can raise the cost of full coverage auto insurance in Ohio by 19%, and an at-fault accident can increase it by at least 20%²⁵.

To lower these costs, high-risk drivers should look around for insurance quotes and think about taking defensive driving courses. This shows they are serious about driving safely.

Drivers with Poor Credit Scores

A driver’s credit score can also affect their auto insurance rates²⁴. Companies see people with poor credit as high-risk, which means higher fees and premiums. High-risk drivers usually pay about 25% more for insurance than others²⁴.

To lessen the effect of a low credit score, high-risk drivers should work on improving their credit. They should keep a clean driving record and compare quotes from different insurers to find the best deals.

In summary, high-risk drivers face special challenges in getting affordable auto insurance. But, by knowing what makes them high-risk, keeping a clean driving record, and shopping for the best insurance, they can find the right protection at a good price²³²⁵²⁴.

Additional Auto Insurance Options

Drivers can look into extra auto insurance options to better protect themselves on the road. Two key add-ons are rental car coverage and rideshare insurance²⁶.

Rental Car Coverage

Rental car coverage helps if your car is in the shop for repairs after an accident. It can pay for the cost of renting a car while yours is being fixed, up to the policy limits²⁷. This is great for those who use their car every day for work or running errands.

Rideshare Insurance

If you drive for Uber or Lyft, rideshare insurance is a must. Regular auto policies often don’t cover commercial use, leaving drivers at risk if they get into an accident while working. Rideshare insurance covers you whether you’re waiting for a ride, driving to pick up a passenger, or taking someone to their destination²⁷.

Looking into these extra insurance options can make drivers feel safer and more secure. It ensures you’re covered whether you need a rental car or drive for rideshare services. By knowing the benefits, you can choose the right auto insurance for your needs²⁶.

Auto Insurance for Seniors

As drivers get older, their auto insurance rates may go up again around age 70. This happens because older drivers face more risks, like slower reactions and worse vision²⁸. Insurance for seniors usually gets pricier at 75 and up, costing about $101, which is 4% more²⁸. Yet, this price is still lower than for drivers aged 45–49²⁸.

Drivers in their 50s and 60s usually pay less for insurance because they have more driving experience and fewer impairments²⁸. The 50-54 age group saw rates of $111, which is 8% less. The 55-64 group paid $100, 10% less, and the 65-74 group paid $96, 3% less²⁸. But, rates start to go up in the mid-70s because older drivers face a higher risk of accidents and injuries²⁹.

For seniors over 80, insurance costs go up more because aging affects reflexes and reaction times³⁰. Yet, some seniors stay safe and drive well into their 80s, which can lead to fewer accidents and lower insurance rates²⁹.

To get cheaper coverage, seniors can look for discounts. Safe-driver discounts like Nationwide’s Defensive Driving and Accident Free discounts are there for seniors with good records²⁹. Seniors who drive less after retiring might get discounts, like the SmartRide safe driving reward, offering up to a 40% discount²⁹.

Also, senior drivers should compare rates from different insurers every year to find the best deal³⁰. Rates change based on where you live, with some places being riskier than others²⁹. Nationwide is seen as the best value for car insurance for seniors by thezebra.com²⁹.

By using discounts, keeping a clean driving record, and comparing quotes, senior drivers can find affordable auto insurance for seniors. This way, older adults can keep driving safely and conveniently into their later years.

Auto Insurance for Teens and Young Drivers

Finding the right auto insurance can be tough for teens and young drivers. They often pay more because they’re more likely to have accidents³¹. But, there are ways for parents and young drivers to find affordable insurance and handle the costs.

Tips for Insuring Teen Drivers

Adding teen drivers to their parents’ insurance can help lower costs³¹. This is cheaper than getting a policy just for the teen. Teens can also get discounts like up to 15% for being good students³¹ and up to 22% for safe driving³¹.

Parents can choose coverage based on the car their teen drives³¹. For older cars, they might drop collision and comprehensive coverage to save money³¹. Cars that are older and less valuable cost less to insure for young drivers³¹.

Teaching safe driving and using driver’s education courses can lower insurance costs³¹. Raising deductibles and keeping a clean driving record also helps save money³¹.

For young drivers, GEICO offers ways to manage insurance costs. The DriveEasy program has helped over 260,000 teen drivers save money, with 75% getting a discount after their policy renewed³¹. Nationwide also gives discounts for good grades and defensive driving courses³².

Research, smart coverage choices, and safe driving can help families deal with insuring teens and young adults. This way, they can be protected without breaking the bank³¹³³³².

Choosing the Right Deductible

The deductible in auto insurance is key to consider. It’s the amount you pay before your insurance helps out³⁴. A higher deductible means lower monthly payments, but you’ll pay more if you make a claim³⁵. Think about your budget and how much risk you can handle when picking a deductible.

Research shows the most common deductible is $500, but it can be from $0 to $2,000³⁴. Some insurers offer special programs where your deductible goes down or disappears if you drive safely³⁴. Where you live and how you drive can also affect your deductible choice, making a lower deductible a better option if you’ve had accidents or speeding tickets³⁴.

Think about the good and bad of different deductibles. A higher deductible can lower your insurance but might increase your costs if you cause an accident³⁵. Lower deductibles mean higher premiums but can protect your finances if you need to claim insurance³⁵.

To get the best deal, look at quotes from several insurance³⁶. This helps you find the right deductible amount for your budget and how much risk you’re okay with³⁶.

Choosing the right deductible is a personal choice. Think about your money situation and how you drive. Knowing about the different options and their effects lets you pick the best auto insurance for you³⁶³⁴³⁵.

Bundling Auto Insurance with Other Policies

Bundling your auto insurance with other policies can save you money and make managing your insurance easier. Many companies give discounts to customers who bundle their policies. This is a great way to save money and keep your insurance simple.

When you bundle your auto insurance with other policies like homeowners or renters insurance, you could save up to 25% on your premiums³⁷. For example, Allstate offers up to 25% off for bundling³⁷. Farmers gives an average of 20% off for auto and home policies together³⁷. Nationwide and State Farm offer up to 20% off or $1,273 a year for auto and home insurance together³⁷.

Besides saving money, bundling makes things easier. Companies like Progressive say it’s more convenient and less paperwork when you manage all your policies in one place³⁸. Some insurers let you bundle your auto insurance with coverage for RVs or boats to save even more³⁸.

The savings from bundling can change based on where you live, your credit score, and your claims history³⁹. While companies often talk about discounts of 10% to 25%, your actual savings might be different³⁹. Still, bundling can be a good way to save money for many people.

When thinking about bundling your auto insurance, look at quotes from different companies to find the best deal³⁹. Some companies might offer lower rates for specific types of insurance³⁹. By comparing options and understanding the discounts, you can choose what’s best for your insurance needs and budget.

In summary, bundling your auto insurance with other policies can help you save money and make managing your insurance easier. By using the discounts and convenience offered by companies, you can get better coverage and save a lot of money.

Conclusion

Finding the right auto insurance can seem tough, but knowing about the coverage types and what affects rates helps. You can pick a policy that suits your budget and needs⁴⁰. Over the last 15 years, insurance companies have made their prices harder to understand, leading to a lack of clear information⁴⁰.

To get the best coverage, compare quotes from different companies. Look at their customer service and how they handle claims. Also, check your coverage often⁴⁰. In states with five major insurers, USAA offered the lowest premium for drivers with excellent credit and a clean record⁴⁰. Your location, the type of vehicle you drive, and your driving history affect your rates⁴¹.

Having the right auto insurance means you can relax while driving. By understanding your options and choosing the best policy, you protect yourself, your car, and your finances⁴⁰⁴¹.,

FAQ

What are the main types of auto insurance coverage?

Car insurance covers six main types: liability, collision, comprehensive, medical payments, personal injury protection, and uninsured/underinsured motorist coverage. Liability pays for damages you cause to others. Collision and comprehensive cover your vehicle’s damages.

What factors affect auto insurance rates?

Your age, driving history, where you live, the car you drive, and how you use it affect your insurance rates. Young and less experienced drivers, and those in high-risk areas, pay more. Your driving record and credit score also matter.

How can I find the best value for auto insurance?

Compare quotes from different insurers to find the best value. Use online tools for easy comparison or get personalized advice from local agents. Check customer reviews, industry ratings, and the insurer’s reputation for service and claims handling.

What are the top auto insurance providers in the U.S.?

The top auto insurance providers in the U.S. include Travelers, USAA, Geico, State Farm, and Progressive. These companies offer various coverage options, discounts, and strong customer satisfaction ratings.

What types of discounts are available for auto insurance?

You can get discounts for being a good driver, being a student, being in the military, or bundling policies. Telematics programs can also offer savings if you drive safely.

What is the process for filing an auto insurance claim?

Claim processes vary by insurer. Know your policy and the steps to start a claim. Choosing an insurer known for good customer service and quick claims handling is important.

How does auto insurance coverage work for high-risk drivers?

High-risk drivers, like those with accidents or poor credit, pay more for insurance. They’re seen as more likely to claim. But, comparing quotes can help find the best coverage for them.

What additional coverage options are available for auto insurance?

You can add options like rental car reimbursement and rideshare insurance to your policy. Rental car coverage helps if your car is in the shop. Rideshare insurance covers gaps for drivers using their cars for ride-sharing.

How does auto insurance coverage change as drivers age?

Insurance rates may increase for drivers over 70 due to higher risks like slower reactions and vision issues. Yet, seniors can find affordable coverage by comparing rates and using discounts.

How can parents manage auto insurance costs for teen drivers?

Teen drivers pay high insurance rates due to their inexperience and higher accident risk. Parents can lower costs by adding teens to their policy, using student and driver’s education discounts, and promoting safe driving.

How does the deductible affect auto insurance premiums?

The deductible is what you pay before insurance covers claims. A higher deductible lowers your premiums but raises what you pay if you claim. Think about your budget and risk when choosing a deductible.

What are the benefits of bundling auto insurance with other policies?

Bundling your auto insurance with other policies like homeowners or renters can save you money. It’s convenient but make sure to compare costs and coverage to get the best deal.

Source Links

1. Best Car Insurance Companies – https://www.marketwatch.com/guides/insurance-services/best-car-insurance/
2. Auto insurance basics—understanding your coverage – https://www.iii.org/article/auto-insurance-basics-understanding-your-coverage
3. Auto insurance guide – https://www.tdi.texas.gov/pubs/consumer/cb020.html
4. Automobile Insurance Text Version – https://www.insurance.ca.gov/01-consumers/105-type/95-guides/01-auto/auto101.cfm
5. Car insurance rates are still rising — here are the factors that affect your premiums – https://www.cnbc.com/select/factors-that-affect-car-insurance-rates/
6. What Determines The Price Of An Auto Insurance Policy? – https://www.marketwatch.com/guides/insurance-services/factors-that-affect-car-insurance-rates/
7. What Factors Affect Car Insurance Rates? – Experian – https://www.experian.com/blogs/ask-experian/factors-that-determine-your-car-insurance-rates/
8. Compare Car Insurance Quotes | GEICO – https://www.geico.com/auto-insurance/comparison/
9. Compare Car Insurance Quotes (2024 Rates) – https://www.forbes.com/advisor/car-insurance/car-insurance-quotes/
10. Compare Car Insurance Quotes from $29/mo Instantly (2024) – https://www.insurify.com/
11. Top 10 largest car insurance companies in the U.S. – https://apnews.com/buyline-personal-finance/article/largest-car-insurance-companies
12. Top 10 car insurance providers in the US – https://www.insurancebusinessmag.com/us/guides/top-10-car-insurance-providers-in-the-us-450061.aspx
13. Look No Further: Best Car Insurance Companies in 2024 – NerdWallet – https://www.nerdwallet.com/article/insurance/best-car-insurance-companies
14. How to Save on Car Insurance: Smart Ways to Lower Your Rate – NerdWallet – https://www.nerdwallet.com/article/insurance/save-money-car-insurance
15. Car Insurance Discounts You Can Get – https://www.usnews.com/insurance/auto/car-insurance-discounts
16. How To Save On Car Insurance: 7 Ways To Lower Your Rate | Bankrate – https://www.bankrate.com/insurance/car/savings/
17. An Insurance Company For Your Car And More – https://www.geico.com/
18. Free Car Insurance Quote. Switch & Save Today – https://www.statefarm.com/insurance/auto
19. Car Insurance – Get a Free Auto Insurance Quote – Nationwide – https://www.nationwide.com/personal/insurance/auto/
20. How To File A Car Insurance Claim – https://www.forbes.com/advisor/car-insurance/car-accident-insurance-claim/
21. 5 Steps to What You Need to Know About Auto Insurance Claims – https://www.acceptanceinsurance.com/blog/what-you-need-to-know-about-car-insurance-claims/
22. Auto Insurance Claims Process – https://www.progressive.com/claims/auto-process/
23. Best Car Insurance Companies For High-Risk Drivers – https://www.marketwatch.com/guides/insurance-services/best-high-risk-auto-insurance-companies/
24. What Is High-Risk Car Insurance? – https://www.thegeneral.com/blog/what-is-high-risk-car-insurance/
25. Auto Insurance for High-risk Drivers in Ohio | Bankrate – https://www.bankrate.com/insurance/car/high-risk-auto-insurance-ohio/
26. Car Insurance Coverage: Auto Coverage Types & More – https://www.geico.com/information/aboutinsurance/auto/
27. Auto Insurance Quotes: Get Car Insurance Online & Save – https://www.progressive.com/auto/insurance-coverages/
28. Auto Insurance for Seniors – https://www.progressive.com/answers/car-insurance-for-seniors/
29. Car Insurance for Seniors – Nationwide – https://www.nationwide.com/lc/resources/auto-insurance/articles/car-insurance-for-seniors
30. Understanding Senior Driver Car Insurance in New Jersey – https://www.plymouthrock.com/insurance/auto/nj/coverage-policy-options/senior-driver-car-insurance
31. Car Insurance for Teens and New Drivers – https://www.geico.com/information/safety/auto/teendriving/
32. Car Insurance for Teens – Nationwide – https://www.nationwide.com/lc/resources/auto-insurance/articles/car-insurance-for-teens
33. Best Car Insurance for Teens and Young Drivers – https://www.marketwatch.com/guides/insurance-services/best-car-insurance-for-teens-and-young-drivers/
34. Car Insurance Deductibles Explained – https://www.marketwatch.com/guides/insurance-services/what-is-a-car-insurance-deductible/
35. How to Choose Your Car Insurance Deductible in 2024 – Kelley Blue Book – https://www.kbb.com/car-advice/insurance/choose-car-insurance-deductible/
36. How Does a Car Insurance Deductible Work? – NerdWallet – https://www.nerdwallet.com/article/insurance/car-insurance-deductible
37. The Best Home and Auto Insurance Bundles of 2024 | Bankrate – https://www.bankrate.com/insurance/car-and-home-insurance-bundle/
38. Home & Auto Insurance Bundle – https://www.progressive.com/insurance/bundling/
39. How To Bundle Home and Auto Insurance – https://www.usnews.com/insurance/homeowners-insurance/how-to-bundle-home-and-auto-insurance
40. Car Insurance & Auto Insurance Special Report – https://www.consumerreports.org/cro/car-insurance/auto-insurance-special-report1/index.htm
41. What is auto insurance? | III – https://www.iii.org/article/what-auto-insurance