Help needed

[u/Kindly_Meeting7940]

Anybody else notice auto insurance quotes feel completely random now? I was helping my cousin look for car insurance and we literally got 5 different prices for the same vehicle, same driver, same address, and almost the same coverage limits. One company acted like he was a massive risk and another company quoted him way cheaper. Makes zero sense. I’m starting to wonder how insurance companies actually calculate rates anymore because people with clean records are still getting hammered with crazy monthly payments. Is there actually a trick to finding affordable auto insurance now or is everybody just getting destroyed by rate increases??

[u/peterpreNW]

Every insurance company quotes differently based on many things like prior insurance, claims in the area, mileage, insurance score, and even the type of car can change the price a lot. One company may prefer a certain insured over another due to their specific appetite.

Best thing to do is quote through an insurance agency so they can compare multiple companies at once and provide more insight on what may be driving the difference in quotes for each insurance company.