National car insurance is a misleading term. Car insurance is regulated by the individual states, and typically, a car must be insured in the state where it is registered. However, there are nation-wide providers of car insurance that write policies in many, if not most, of the states. Moreover, there are some basic things to consider when purchasing car insurance, no matter where you live in the nation.
You can obtain car insurance quotes from many sources: traditional brokers, insurance company agents, or online marketplaces. A simple Internet search of “national car insurance” will bring in over 93,000,000 results, and most of the top-ranked hits will be links to nation-wide companies or brokers who can offer car insurance quotes. On many of these sites, you can request quotes and apply for a policy online, as well. If you are a member of a group such as a trade union, business association or veterans’ organization, you may also want to inquire about any affiliations that the group may have with car insurance companies.
When shopping for car insurance, keep in mind that many factors will affect the cost. One of the best ways to obtain car insurance quotes with the lowest premium prices is to have a good driving record. Insurance companies set their prices based on risk; the better driver you are, the lower the risk you are to the insurance company. If you do not have the best possible driving record, you will most likely be able to find insurance; you will just have to pay more for it than a driver with a clean record.
Other factors that can affect quoted prices are such things as your age, where you live, and whether you have other policies with the quoting company. Because younger drivers, as a group, are at a high risk of being involved in an accident, this age group will always pay higher premiums than older drivers. Some geographic areas, such as urban centers, can pose a higher risk of cars being stolen. If you live in such a high-risk area, you may also face higher premiums. On the other hand, having other policies with your car insurance company, such as life or homeowner’s insurance, can often lower your premium costs. Similarly, insuring multiple cars under one policy can lower your rate per car, in many cases.
Finally, consider higher deductible policies or eliminating comprehensive or collision coverage, if the lowest possible price is your only consideration in searching for national car insurance. These options can often reduce premium costs significantly, but you will face higher out-of-pocket expenses if you are involved in an accident.