PolicyPilot Auto


Compare Top Auto Insurance Providers to Start Saving!

Choosing a new insurance policy can be a bumpy ride. We’re here to help you navigate through it. Let us be your insurance co-pilot.

How Much Is Car Insurance?

According to AAA, the average cost of auto insurance for a new car is $1,202 per year. So, how much is car insurance per month? You’re looking at a monthly cost of about $100, though this number can change depending on several factors. For example, your age, gender, location, credit, driving record, and mileage — as well as the type of car you drive — can all influence your auto insurance premium.

To ensure you’re getting a competitive rate, you should compare car insurance by age, location, credit, driving record, and more.

Auto Insurance Basics

Learn the basics so you know what to expect if you get into an accident.

What do I need to know before buying car insurance?

Here are some to keep in mind before purchasing a policy:

  • Good driving habits can help you save money. Your driving record partially determines the cost of your premium. Having a clean record can help you score a better rate as well as driver safety discounts.
  • A higher deductible usually means a lower premium — but there’s a catch. Choosing a higher deductible can help you save money on car insurance premiums because your insurer won’t have to cover as much in the event of an accident. However, this means you’ll pay more out of pocket if you need to file a claim.
  • Your ZIP code matters. Drivers who live in areas with higher rates of accidents, theft, and vandalism might pay more for car insurance. Similarly, you may have a higher premium if you don’t have access to secure parking.
  • Get a discount by bundling insurance policies. You can save money by purchasing different types of insurance — such as homeowners, renters, or life insurance — from the same company.

Should I purchase my policy with an agent or online?

For convenience, major insurance companies generally offer a quote and online transactions. This process allows you to quickly compare auto insurance rates between different insurers and find a good deal. However, there are benefits to working with an agent, including personalized customer service and the opportunity to ask specific questions about your coverage, the laws in your state, and which discounts are eligible for you.

What auto insurance discounts apply to me?

Car insurance companies offer many different types of discounts that can help lower your premium. For example, you could get rewarded for driving accident-free for several years, maintaining good grades at school, having an anti-theft device or system installed in your car, or being a homeowner. Make sure to run through the list of discounts available from your insurer so you can maximize your savings.

What is uninsured and underinsured motorist coverage?

Other drivers might not carry sufficient liability insurance to cover damages from any accidents that they cause.  This coverage also applies if you’re the victim of a hit-and-run.

LMB Insurance Services, Inc. (marketing as “PolicyPilot”) is not providing or soliciting insurance and is not a licensed producer. PolicyPilot is an insurance provider information and matching service. To obtain insurance product information, get quotes, and compare rates, fill out an information request form, which will refer you to matched, licensed insurers or agents, or contact any of the listed insurers. Advertised Rate Examples are based on the following policy information: Rates current as of the date each advertisement is placed and most recently confirmed as of 11/27/2018. Not all policies or insurance products are available in all states. Please contact your insurance provider for additional information, eligibility requirements, and/or disclosures. Certain state laws may provide additional rights with regard to the disclosure of information. If these laws apply to you, you may have additional rights and some or all of the above disclaimers, exclusions or limitations may not apply to you.$36.50/Month Auto Insurance, Includes 8 discounts and 11 features. (Price without discounts ($78.42/Month)). The example assumes a healthy 40-year-old male non-smoker in Ohio with no accident history, insuring one vehicle purchased in or before 2009. Individual savings will vary as specific circumstances will affect each customer’s rate and savings. Calculations are valid as of 11/27/2018. $19/Month Auto Insurance, Example assumes a 40-year driver with one discount (if offered) with minimum mandatory insurance required in the state of Wisconsin. $750 Savings based on national annual average auto insurance savings of over $750 by new customers surveyed who saved with a major national carrier in 2019. Individual savings will vary as specific circumstances will affect each customer’s rate and savings. Calculations are valid as of 01/02/2020. Individual states may require specific or additional coverage types or limits.