Auto Insurance Rate Test Information

In order to write our car insurance reviews, we have auto insurance rate tests we run in order to compare auto insurance quotes against some of the most popular car insurance companies in the market. Our auto insurance rate tests include as much information as possible, include car details, coverage amounts, and driving records, in order to find the most accurate car insurance quotes for you.

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Eric Stauffer is a former insurance agent and banker turned consumer advocate. His priority is to help educate individuals and families about the different types of insurance they need, and assist them in finding the best place to get it.

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Leslie Kasperowicz holds a BA in Social Sciences from the University of Winnipeg. She spent several years as a Farmers Insurance CSR, gaining a solid understanding of insurance products including home, life, auto, and commercial and working directly with insurance customers to understand their needs. She has since used that knowledge in her more than ten years as a writer, largely in the insuranc...

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Reviewed by Leslie Kasperowicz
Farmers CSR for 4 Years

UPDATED: Oct 21, 2020

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It’s all about you. We want to help you make the right coverage choices.

Advertiser Disclosure: We strive to help you make confident insurance decisions. Comparison shopping should be easy. We are not affiliated with any one insurance provider and cannot guarantee quotes from any single provider.

Our insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different insurance companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.

Editorial Guidelines: We are a free online resource for anyone interested in learning more about insurance. Our goal is to be an objective, third-party resource for everything insurance related. We update our site regularly, and all content is reviewed by insurance experts.

As part of the review process for some of the insurance companies we write about, a rate test may be performed to give the reader an idea about how the costs for a particular insurance product stacks up against the competition. Below you can view the criteria we use for the different types of quotes we compare.

Auto Insurance Quote Tests

When running tests for car insurance, we attempt to use as much of the same information in every quote as possible. This includes the state, car details, driving record, coverage amount, and information about the people. The specific details used are as follows:

Drivers

    • A married couple who were each licensed at the age of 16.
    • Both people are 30 years old.
    • They have no kids.
    • No accidents or moving violations in the past 5 years.
    • Neither have a DUI on their record.
    • The couple lives in Southern California.
    • They both commute five days a week for 10 miles.
    • They both drive an average of 15,000 miles a year.

Vehicles

    • The husband drives a 2008 Ford F-150 (base model).
    • The wife drives a 2005 Toyota Camry (base model).
    • Both vehicles were purchased new.
    • Both vehicles are completely paid off.
    • Standard restraints and standard anti-theft vehicle options are installed.
    • There are no aftermarket items on either vehicle.

Insurance Coverage

Periodically when running a quote, we are unable to match the details exactly as mentioned above because not all insurance companies provide the same options. When that is the case, we attempt to select the options that are closest to the ones outlined here.

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Term Life Insurance Quote Tests

Just as we do with car insurance, we use the same standard answers when running a term life insurance quote test. The details are as follows:

    • The insured is a 30 year old male.
    • He lives in Southern California.
    • His health status is “Premier Plus” or the healthiest option available.
    • He has never used tobacco products.
    • The policy is for a 20 year term.
    • The policy amount is $1,000,000.

Quotes are typically run through a third-party broker that ensures the prices are equal to dealing with the company directly. If the exact details are not available as stated above, we attempt to choose the closest options possible.

Disclaimer
The rate tests on expertinsurancereviews.com are designed to give a general overview of the pricing and should not be interpreted as absolute. Underwriting guidelines can vary dramatically between insurance companies, cities or states the insured resides in, personal details, and many other factors. These variations can cause fluctuations in policy prices, so anyone interested in a particular company or product should have a personalized quote ran specifically for them.

Are you looking for free insurance quotes?

Your one-stop online insurance guide. Get free quotes now!

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