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Frequently asked questions
What is Wise Choice Rate?
Wise Choice Rate is your auto and home insurance comparison marketplace. Our technology compares quotes from different companies across the US to find you the best coverage at the best price.
How does Wise Choice Rate work?
Answer a few quick questions — starting with your location — and we'll show you side by side quotes. Compare prices, coverage, and perks.
How does Wise Choice Rate make money?
Insurance companies pay us a commission when you purchase a policy or get a quote through us. The price you pay is the same as buying direct.
Who am I buying my policy from?
You can buy your policy directly from the provider or through Wise Choice Rate.
Is my personal information secure?
Yes. We pledge to never sell your data to spammers.
What affects car insurance rates?
Nationwide, the average cost of car insurance is $186 per month for full coverage and $98 for liability-only insurance, according to Wise Choice Rate data. But your costs may be more or less than average, based on factors like:
- Your driving record (past car accidents, speeding tickets, DUIs, and citations)
- Age and gender
- Vehicle make and model
- Credit history (in most states)
- Where you live
- Deductible amount
- Other factors
Why is it important to compare car insurance?
Insurance companies base your rates on some common factors, like your age, gender, location, and driving history. But how they weigh those factors can vary a lot. Two separate insurers may serve up very different quotes for the same driver, so comparing quotes from several insurers is the best way to get cheaper car insurance.
Here's an example of how quotes can vary among insurers for the same driver. These quotes are averages for drivers between 20 and 70 years old with a clean driving record and average or better credit.
| Insurance Company | Full Coverage | Liability Only |
|---|---|---|
| State Farm | $109 | $53 |
| GEICO | $149 | $80 |
| Progressive | $155 | $80 |
| Liberty Mutual | $209 | $131 |
| The General | $212 | $85 |
Disclaimer: Table data sourced from real-time quotes from Wise Choice Rate's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
Have an Incident on Your Driving Record?
High-risk drivers, including teens and people with poor credit, should typically expect higher rates. Having a speeding ticket or DUI on your record can make it harder to find affordable car insurance or even find coverage at all.
But it's not impossible. If you're having trouble finding coverage, check for state programs or ask a household member if they could add you to their policy.
Regardless of your background, Wise Choice Rate partners with more than 40 insurance companies to give you the best shot at finding the right policy. We have several options specifically tailored for drivers with spotty records, including insurers like Dairyland and The General.
It's easy to start saving.
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Our easy-to-use tools let you compare quotes from top car and home providers, all at once and online.
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Whether you just prefer a friendly voice or need more information, our licensed agents are ready to help you save.
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