Major Insurance Auto Insurance Articles

Your #1 destination for all things auto insurance. The Major Insurance team is dedicated to learning the industry’s top trends and tips for lowering your payment.

Accident on Record Question

How Long a Car Accident Stays on Your Record

Here are the facts: After getting into a crash, how long a car accident stays on your record depends on where you live. Each state has its own laws regarding traffic accidents. In general, a car accident stays on your driving record for around three years. And in many instances, ...
Read More
Defensive Driving Tips

How Defensive Driving Can Keep You Safe

You’ve probably heard the term “defensive driving.” But you may not really understand what it is or how defensive driving can keep you safe on the road. As explained by the Oklahoma Division of Capital Assets Management, defensive driving can save time, money and lives. It helps protect us from ...
Read More
car insurance cancelation laws insurance

What You Should Know About Car Insurance Cancellation Laws

In most states, you must have a minimum amount of auto insurance to drive a car. However, there are car insurance cancellation laws that could leave you without coverage. If an auto insurance company determines that you’re too risky to cover, it may make business sense for them to set ...
Read More
buying a car in another state

8 Steps to Take When Buying a Car Out of State

Buying a car out of state can be complex, especially if you’re purchasing from the owner and not through a dealer. New vehicles come off the showroom floor with a host of features guaranteed to meet state standards. But with a used car, you must prove that it’s in compliance ...
Read More
classic car insurance

When Do You Need Classic Car Insurance?

If you own an older car that holds a special place in your heart, you may need classic car insurance. This coverage combines auto insurance and art insurance to preserve and protect automotive showpieces. This hybrid approach protects your pearl from the usual hazards of the road. It also saves ...
Read More
buying auto insurance

4 Key Questions to Ask Before Buying Auto Insurance

Unless you’re an insurance agent, you may not realize key questions to ask before buying auto insurance. After all, most of us aren’t insurance gurus. To help you figure out what questions to ask before buying an auto insurance policy, we turned to Billy Wagner, owner of Brightway Insurance in ...
Read More
first-time auto insurance buyer tips

5 Tips for a First-Time Auto Insurance Buyer

Just like driving a car for the first time, being a first-time auto insurance buyer can rattle your nerves. But it doesn’t have to. Armed with knowledge, you can conquer any fears you might have about buying auto insurance for the first time and hit the road with the right ...
Read More
How Much Does Auto Insurance Cost

12 Factors That Determine Your Auto Insurance Cost

While buying a car is straightforward, the auto insurance cost is anything but.  Most states attempt to simplify auto insurance and protect the masses (including you) by requiring that all drivers purchase state minimum liability coverage (to protect themselves, their passengers and things they might hit). They also required you ...
Read More
Teenage Drivers Auto Insurance Tips

6 Tips to Make Auto Insurance for Teen Drivers Less Expensive

When their teenage kids become teen drivers, parents are understandably nervous about safety. Of course, Mom and Dad also worry about how much their auto insurance cost will soar after adding a teen driver. But why is car insurance for teen drivers so much pricier than for other drivers? Car insurance ...
Read More
Lower Auto Insurance Payments Major Insurance

16 Often-Overlooked Ways to Reduce Auto Insurance Premiums

The typical American driver spends hundreds of dollars—possibly even more than $1,000—a year on auto insurance. But what if we told you that it's possible to reduce auto insurance premiums without a lot of effort? Sound too good to be true? It’s not, actually. You just need to investigate some ...
Read More
Major Insurance How Much Car Insurance You Need

How Much Car Insurance You Need to Buy

When you purchase a vehicle, determining how much car insurance you need to buy can be a long and winding road based on who you are, where you live, what you earn, what you owe and how you plan to use your new set of wheels. For starters, each state ...
Read More

Major Insurance is on a mission to save you money on auto insurance. We make sure you have the right policy for your needs at the best price by finding the industry’s best policies that match your needs. You’ll find using Major Insurance to shop and compare auto insurance quotes is an easy and fast way to purchase coverage for you and your family.

How do our insurance quotes work? We partner with some of the largest insurance carriers in the nation who compete for your business. When you complete our simple quote request form or speak to one of our phone representatives, we do the hard work for you by gathering multiple quotes.

How do we find you the lowest insurance rates possible? Major Insurance makes sure that you save money by showing you discounts that reduce your auto insurance premiums. Here are some of the valuable discounts that might help you save money on your auto insurance bill:

  • Usage-Based Discount – or pay-as-you-drive insurance saves money by using your everyday driving habits to help calculate your premium.
  • Safe Driver Discount – saves money when you have a clean driving record and remain accident-free.
  • No Lapse in Coverage Discount – saves money when you don’t have any gaps in auto insurance coverage.
  • Multi-Car Discount – saves money when you insure more than one vehicle.
  • Bundling Discount – saves money when you combine multiple policies, such as auto, home, renters, and commercial insurance.
  • Safety Discount – saves money based on the safety features in your vehicle.
  • Good Student Discount – saves money when a high school or college student on your policy maintains good grades.
  • Military Discount – saves money when you’re an active servicemember.
  • Driver Education Discount – saves money when you complete a driver education course.
  • Retired Discount – saves money when you’re age 65 or older.

In addition to qualifying for certain discounts, there are a variety of issues that affect how much you pay for car insurance. Here are some of the most influential factors:

  • Where you live – is very important because rates can vary dramatically from state to state. Also, the address where you keep your car plays a role. City dwellers typically pay more for auto insurance than those in rural areas. Other factors related to your location—such as the theft rate, accident rate, cost of car repair, cost of medical care, and weather trends—also affect your auto insurance rate.
  • The car you drive – is a major factor in your auto insurance rate. More expensive vehicles cost more to repair or replace. Those with better safety records and technology may qualify for premium discounts.
  • Your mileage – is an indicator of your time on the road and potential risk for getting into an accident. If you use a car for daily commutes or drive long distances your auto insurance rate is typically higher. But if you drive less frequently, you’ll pay less.
  • Your driving history – shows how responsible you are behind the wheel. The cleaner your record, the lower your auto insurance premium will be.
  • Your age or years of driving experience – play a role in your auto insurance rate because mature drivers have fewer accidents than less experienced or younger drivers.

There are many other factors that determine how much you’ll pay for coverage. So, if it’s been a while since you last shopped for auto insurance, get free auto insurance quotes and see how much you could save.