1The RightTrack® discount applies only to the base coverages on the participating vehicle, which may include Bodily Injury, Property Damage, Comprehensive, Collision, Personal Injury Protection (PIP) or Medical Payments, Uninsured Motorist, and Underinsured Motorist (subject to state availability). Initial discount may vary by state and is replaced with a final discount upon completion of a review period. Not available in all states. Coverage provided and underwritten by Liberty Mutual Insurance and its affiliates, 175 Berkeley Street, Boston, MA 02116. ©2017 Liberty Mutual Insurance.
Gap insurance is insurance that may be required if you lease or finance a car. Gap insurance covers the difference between what your car is worth and what you owe on your auto loan should your car be a total loss in an incident. For example, let’s say you have a car loan with a balance of $20,000, but your car is only worth $15,000. If it’s totaled in an accident, your insurance will only pay out $15,000 and you will owe $5,000 to settle your loan. If you have gap insurance, that policy will pay the $5,000 to settle your loan balance.
Collision and comprehensive insurance are two optional types of auto insurance where your insurer pays for repairs to your vehicle. While there are other optional auto insurance coverages, liability, comprehensive, and collision are three of the most common. These coverages work hand-in-hand to repair or replace most of the damages to your car. It's important to know the difference, and make sure you're adequately covered.
Progressive has a slew of available discounts — including one for adding a newly licensed teen driver to your existing auto policy (surprising, given that teenage drivers are among the riskiest to insure). But a policy loaded with discounts isn’t necessarily cheaper than a non-discounted policy, and the Texas Department of Insurance’s data on premiums show that Progressive is, on average, the most expensive for young drivers among the top five in Texas.

To get the cheapest car insurance, start by comparing rates. You can use our list of the Cheapest Car Insurance Companies to see which company has the cheapest rates in our study for your situation. Don’t stop there, however. A company with cheap rates may not have the best service or very satisfied customers. Balance cheap auto insurance rates with the kind of service you want to live with when choosing an insurance company.
State Farm (including State Farm Mutual Automobile Insurance Company and its subsidiaries and affiliates) is not responsible for, and does not endorse or approve, either implicitly or explicitly, the content of any third party sites hyperlinked from this page. State Farm has no discretion to alter, update, or control the content on the hyperlinked, third party site. Access to third party sites is at the user's own risk, is being provided for informational purposes only and is not a solicitation to buy or sell any of the products which may be referenced on such third party sites.
It’s important to note that every company considers credit very differently, and even among insurers this factor fluctuates by state. For example, NerdWallet’s 2019 car insurance rate analysis indicates that while State Farm charges higher rates for poor credit in many states, it doesn’t seem to do so in Maine. Similar variations are true for many other companies as well.
When it comes to certain types of car insurance, you can save by owning a car that’s less expensive to repair or replace. Comprehensive car insurance and collision car insurance coverage cover damages to the car as the result of a collision with another car, or because of another event, like a natural disaster. If your car is going to cost more to fix or replace, your car insurance rates will be higher. As your car ages and becomes worth less money, contact your insurance company to see if you can get a decrease in your rates.
State Farm (including State Farm Mutual Automobile Insurance Company and its subsidiaries and affiliates) is not responsible for, and does not endorse or approve, either implicitly or explicitly, the content of any third party sites hyperlinked from this page. State Farm has no discretion to alter, update, or control the content on the hyperlinked, third party site. Access to third party sites is at the user's own risk, is being provided for informational purposes only and is not a solicitation to buy or sell any of the products which may be referenced on such third party sites.
Each of following insurers who transact business in California are domiciled in California and have their principal place of business in Los Angeles, CA: Farmers Insurance Exchange (#R 201), Fire Insurance Exchange (#1267-4), Truck Insurance Exchange (#1199-9), Mid-Century Insurance Company (#1428-2), Civic Property and Casualty Company (#4241-6), Exact Property and Casualty Company (#4240-8), Neighborhood Spirit Property and Casualty Company (#4242-4).
×