Direct Car Insurance – Buy Direct From the Provider

You don’t have to go through a middleman, buy direct car insurance from the top rated providers in your state. Some people prefer the advice and counsel of a broker or an agent, but if you feel that you are a knowledgeable auto insurance buyer, enter your zip code to get a free rate quote online and buy a policy from the companies that write direct.

Single males under age 21 have a rating factor that can vary from 2.00 to 3.00 depending on the company double to triple the normal premium charged to an adult male (30 and older) or a married male 25 or older. Compared to our standard example, in which the adult /married premium is $360 (based on a 1.00 rating factor), the final premium for a single male under 21 would range from a low of $720 ($360 X 2.00) to a high of $1,080 ($360 X 3.00), depending upon the rating factor used by the direct car insurance company. As you can see, the premium differences among various companies can be quite staggering. In this case, you could save as much as 33 percent every year by simply knowing how to shop around.

Single males aged 21-24 have a rating factor that can vary from 1.75 to 2.50. This means that their final premiums can range from a low of $630 ($360 X 1.75) to as much as $900 ($360 X 2.50). Again, the differences in the premiums are staggering, and in this case a single male could save 30 percent just by shopping for the insurance company with the lower $630 rate.

Compare Direct Auto Insurance Policies Online

Single males aged 25-29, who have a rating factor from 1.25 to 1.75, may have direct auto insurance premiums ranging from a low of $450 ($360 X 1.25) to a high of $630 ($360 X 1.75). The staggering 29 percent contrast between these two premiums is due entirely to the arbitrary use of different rating factors among the various insurance companies.

Young married males are given a better rating break than their single counterparts, and for those who are newlywed and under age 21, rating factors can vary from a low of 1.40 to a high of 2.00. Their final premiums will thus range between $504 ($360 X 1.40) and $720.00 ($360 X 2.00). It certainly pays to shop around for the 30 percent or greater savings that many lower-cost insurance companies offer.

Married males between the ages of 21 and 24 can have a rating factor that varies between 1.00 and 1.40, which means that their final direct car insurance quotes can range from $360 ($360 X 1.00) to $504 ($360 X 1.40) for a difference of 29 percent.

Married males aged 25 and older and single males aged 30 and older are both given the low adult/married rate of 1.00, as in our standard example, which results in a $360 premium ($360 X 1.00).

There are numerous premium slashing adjustments and maneuvers available to all drivers regardless of age, sex, or marital status that will be explored in depth in the upcoming rate classification sections. But first, let’s examine the various female age and marital status classifications.