| I'm looking for insurance for my new-to-me car. I sure don't understand
| widely varying rates for the same coverage. From AARP/Hartford with no
| local agent, $568 a year, Central Insurance ompanies, with a local agent,
| $691 a year, all the way to Farmers with local agent at $1763 a year.
| Makes no sense. Unless one goes by price, how do you determine what you
| are getting? Google is little halp, there are people that hate each of
Assuming you're in the US, it depends on the state.
You need to research locally. I live in Mass., where the
rates are regulated. It doesn't much matter who I buy
Whether or not there is minimum required
coverage, and what it is, will also vary.
In Mass there's a
"safe driver credit" scam that allows insurance companies
to charge more for 6 years due to a single moving violation.
With speed traps and other money-making scams run by
police to supplement their funding, it's not easy to go 6
years with no tickets, making the effective insurance rate
higher than the official rate.
(I once got a warning for not stopping at a stop sign until
I was past it, in Cambridge, MA. The police cruiser was illegally
parked, blocking my view until I was past the sign. That ticket
cost me nothing, but the insurance increase totalled something
So the Mass. system controls rates but then provides a
way to jack up the price. (Fortunately, that increase is also
regulated.) In your state it seems to be entirely unregulated.
In that case you just have to ask the companies about the
details of their policies. Looking online is not likely to be very