New Car Insurance Cheaper Than Used?

Is insurance cheaper on a new car? This crucial question affects many prospective car buyers. Factors like vehicle type, driver profile, and location significantly influence premiums. Understanding these variables is key to securing the most affordable coverage.

New vehicles often come with different features than used ones, impacting insurance costs. Safety features, anti-theft systems, and advanced driver-assistance systems (ADAS) can influence premiums. Comparing quotes from multiple insurers is essential to finding the best deal.

Factors Influencing New Car Insurance Costs: Is Insurance Cheaper On A New Car

New car insurance premiums are often a point of concern for many prospective owners. Understanding the factors that influence these costs is crucial for making informed decisions. The cost isn’t simply a fixed amount; it’s a calculated risk assessment, tailored to the specific vehicle, driver, and location.Insurance companies evaluate numerous factors to determine the appropriate premium. This meticulous evaluation allows them to manage risk effectively and offer affordable coverage.

This assessment often involves detailed analysis of the car’s characteristics, the driver’s history, and the area where the vehicle is primarily driven.

Driver Profile Factors

Understanding driver demographics plays a significant role in calculating insurance premiums. Different driver characteristics carry varying levels of risk, influencing the cost of insurance.

• Age:

Younger drivers, typically under 25, are often considered higher-risk due to a statistically higher incidence of accidents compared to older drivers. Their inexperience and risk-taking behaviors contribute to this higher premium. For example, a 20-year-old driver with no driving record might face a significantly higher premium than a 40-year-old with a clean driving record.

• Driving History:

A driver’s history of accidents, traffic violations, and claims significantly impacts their insurance premium. Drivers with a history of reckless driving or repeated violations will typically face higher premiums compared to those with a clean record. A driver with several minor traffic violations, for example, might experience a noticeable increase in their insurance rates.

• Location:

Insurance premiums can vary across different regions due to local factors such as accident rates and traffic conditions. Areas with higher accident rates or specific high-risk areas within a region will tend to have higher premiums. For instance, a driver residing in a city known for its heavy traffic might have higher premiums compared to a driver in a rural area.

Vehicle Features Factors

Insurance companies assess the risk associated with different vehicle types and features when calculating premiums.

• Vehicle Type:

Different vehicle types carry varying levels of risk. High-performance sports cars, for example, are often associated with higher premiums due to the potential for higher accident severity compared to sedans. SUVs, on the other hand, might have a higher risk of damage due to their larger size and potential for collisions. The likelihood of a crash and the potential severity of damage are key considerations.

• Safety Features:

Vehicles equipped with advanced safety features like airbags, anti-lock brakes, and electronic stability control are often associated with lower premiums. These features demonstrably reduce the risk of accidents and their severity. The inclusion of safety features is a key factor in determining the insurance premium.

• Vehicle Value:

A higher vehicle value typically means a higher premium, as it reflects a greater financial loss in the event of damage or theft. The premium directly correlates with the car’s worth. A luxury sports car, for instance, carries a significantly higher premium than a basic compact car.

Insurance Premium Comparison

The average insurance premium for new cars can vary significantly depending on the vehicle type.

Vehicle Type	Typical Insurance Cost (Estimated)
Sedans	$1,000-$1,500 per year
SUVs	$1,200-$1,800 per year
Sports Cars	$1,500-$2,500 per year

Note: These are estimated averages and actual costs can vary significantly based on driver profile and other factors.

Driver Demographics and Insurance Premium

Insurance premiums are also influenced by driver demographics. This table illustrates the average estimated insurance premiums for various driver categories.

Driver Demographic	Average Insurance Premium (Estimated)
Young Driver (18-25)	$1,800-$2,500 per year
Experienced Driver (26-55)	$1,000-$1,500 per year
Older Driver (56+)	$800-$1,200 per year
Clean Driving Record	$1,000-$1,200 per year
Driver with Accidents/Violations	$1,500-$2,500 per year

Note: These are estimates and actual premiums may vary based on location, vehicle type, and other factors.

Comparing New Car Insurance to Used Car Insurance

New car insurance often presents a different cost landscape compared to insuring a used vehicle. Understanding the nuances behind these differences is crucial for making informed financial decisions when purchasing or maintaining car insurance. Factors like the vehicle’s age, market value, and potential for theft play a significant role in determining the premiums.

Fundamental Differences in Insurance Costs

The most significant factor influencing the cost of new car insurance versus used car insurance is the vehicle’s value. A new car, being a more expensive asset, inherently carries a higher risk for the insurance provider. Consequently, premiums tend to be higher to compensate for this increased potential loss. Used cars, with their depreciated value, carry a lower risk, thus leading to lower premiums.

Furthermore, new cars are often perceived as more desirable targets for theft, which contributes to higher insurance costs.

Reasons Behind the Differences in Premiums

Several factors contribute to the varying insurance costs between new and used vehicles. The depreciated value of a used car directly translates to a lower insurance premium. New vehicles are often equipped with advanced safety features, but these features do not guarantee a lower insurance rate, as insurance premiums are based on overall risk assessment, including the vehicle’s potential for damage and theft.

Insurance companies consider various factors such as the car’s make, model, and features, and the driver’s history when calculating the premium.

Average Insurance Rates for Similar Vehicles

To illustrate the difference, consider a 2024 model sedan and a 2022 model of the same make and model. While the features and performance might be nearly identical, the 2024 model, being newer, typically commands a higher insurance premium. The difference could range from a few hundred dollars to several hundred dollars annually, depending on factors like the driver’s history and the specific insurance company.

Data from insurance comparison websites shows significant variance in insurance rates between different providers. The example underscores the importance of comparing quotes from various insurance providers to find the most suitable and affordable option.

Insurance Coverage Comparison

Insurance coverage typically remains similar for new and used vehicles. However, the amount of coverage and the types of coverage might be different, depending on the insurance company.

Feature	New Car Insurance	Used Car Insurance
Comprehensive Coverage	Covers damages from accidents, vandalism, and natural disasters.	Covers damages from accidents, vandalism, and natural disasters.
Collision Coverage	Covers damages to the vehicle caused by an accident, regardless of who is at fault.	Covers damages to the vehicle caused by an accident, regardless of who is at fault.
Liability Coverage	Protects the policyholder if they are at fault in an accident and are liable for damages to another party’s vehicle or injuries.	Protects the policyholder if they are at fault in an accident and are liable for damages to another party’s vehicle or injuries.
Uninsured/Underinsured Motorist Coverage	Protects the policyholder if they are involved in an accident with an uninsured or underinsured driver.	Protects the policyholder if they are involved in an accident with an uninsured or underinsured driver.
Gap Insurance	May be necessary if the vehicle’s value is higher than the loan amount, providing financial protection if the vehicle is totaled.	May be less necessary if the vehicle’s value is close to the loan amount, but it is still recommended to consider.

A thorough understanding of the insurance coverage options is vital, irrespective of whether the vehicle is new or used.

Discounts and Promotions for New Car Insurance

New car insurance policies often come with attractive discounts and promotions designed to incentivize customers. Understanding these opportunities can significantly reduce the overall cost of your premium. Savvy consumers can leverage these offers to optimize their insurance spending.Insurance providers frequently offer various discounts to reward responsible driving habits, vehicle features, and other factors. These savings can translate into substantial financial benefits over the life of the policy.

By recognizing and maximizing these discounts, drivers can potentially save hundreds or even thousands of dollars.

Common Discounts for New Car Insurance

Understanding the common discounts available for new car insurance policies is crucial for optimizing your premium. These discounts frequently cover a range of factors, such as safety features, driving history, and insurance-related choices.

• Safe Driving History: Insurance companies often reward drivers with a clean driving record with lower premiums. This often includes no accidents or traffic violations within a specific time frame. For example, a driver with a spotless record might qualify for a significant discount compared to one with a history of accidents.
• Vehicle Safety Features: Vehicles equipped with advanced safety features, such as anti-lock brakes (ABS), airbags, and electronic stability control (ESC), often qualify for discounts. Insurance companies recognize that these features reduce the risk of accidents, thus lowering their liability exposure.
• Bundled Insurance Policies: Bundling your auto insurance with other insurance products, such as homeowners or renters insurance, often leads to discounts. This bundled approach recognizes the shared risk management between policies and can reduce administrative costs for insurance companies.
• Defensive Driving Courses: Completing defensive driving courses can result in a discount on your premium. Insurance providers often consider this participation as a sign of commitment to safe driving practices.
• Multiple Vehicles: If you have multiple vehicles insured with the same company, discounts might be available. Insurance companies recognize that managing multiple policies for one household often lowers their administrative costs.

Specific Examples of Promotions, Is insurance cheaper on a new car

Various insurance providers offer specific promotions for new car purchases. These promotions might involve a temporary discount on the initial premium or an extended trial period of a reduced rate.

• Example 1: Some providers offer a 10% discount on the first year’s premium for customers purchasing a new car with a specific safety rating. This demonstrates a direct correlation between vehicle safety and insurance rates.
• Example 2: Other providers might offer a limited-time promotion, such as a $50 discount on new car insurance policies for customers who use their online quoting tool.
• Example 3: A common promotional offer is a free comprehensive car inspection, or discounts on insurance rates for customers who maintain their vehicle in top condition, which demonstrates a proactive approach to vehicle upkeep.

Maximizing Discounts for New Car Insurance

Several strategies can help maximize discounts on new car insurance. Proactive engagement and thorough research are key to finding and utilizing these opportunities.

• Compare Quotes from Multiple Providers: It’s essential to obtain quotes from various insurance providers to compare their offerings and identify the best discount structure.
• Check for Bundled Insurance Promotions: Review opportunities to bundle your auto insurance with other insurance policies offered by the same company.
• Actively Seek Out Promotions: Contact your current insurance provider and inquire about any specific promotions available for new car insurance policies.
• Stay Informed About Industry Trends: Keep up with industry news and updates on insurance discounts and promotions for new cars. This can reveal valuable opportunities for cost savings.

Insurance Provider Discount Comparison

This table provides a general overview of typical discounts offered by various insurance providers for new car purchases. Keep in mind that these are general examples and specific discounts may vary.

Insurance Provider	Typical Discounts for New Car Purchases
Company A	10% discount on the first year’s premium for new cars with a 5-star safety rating, bundled insurance discount, and defensive driving course discount.
Company B	5% discount on the first year’s premium for new car purchases, discounts on multiple vehicles, and a free car inspection for new policy holders.
Company C	Discounts for new cars with advanced safety features, discounts for a clean driving record, and bundled insurance discount.

Insurance Coverage Options for New Vehicles

Securing comprehensive insurance coverage for your prized new car is crucial. Understanding the various options available and their associated costs allows you to make informed decisions, protecting your investment and ensuring peace of mind. The insurance market offers a range of coverages, catering to different needs and budgets. This section delves into the key options, highlighting the importance of comprehensive coverage and valuable add-on policies.

Types of Insurance Coverage

Insurance policies typically offer a base level of protection, encompassing liability coverage. Beyond this fundamental protection, you can opt for additional coverages tailored to specific risks and needs. The key types of coverage commonly available for new vehicles include:

• Liability Coverage: This is the most basic form of insurance, protecting you from financial responsibility if you cause an accident that results in injury or property damage to others. It typically covers damages to other people or their property, but does not cover damage to your own vehicle.
• Collision Coverage: This coverage pays for damages to your vehicle regardless of who is at fault in an accident. It’s essential for protecting your investment in the event of a collision, even if it’s your fault.
• Comprehensive Coverage: This broad coverage option goes beyond collision and pays for damages to your vehicle from events other than collisions, such as vandalism, theft, fire, hail, or natural disasters. It provides a vital layer of protection against unforeseen circumstances.
• Uninsured/Underinsured Motorist Coverage: This coverage protects you if you’re involved in an accident with a driver who doesn’t have insurance or whose coverage is insufficient to cover the damages. It’s critical for ensuring financial protection in these situations.

Coverage Levels and Costs

Different coverage levels come with varying premiums. Basic liability coverage usually has the lowest cost, while comprehensive coverage, including collision and uninsured/underinsured motorist protection, often carries a higher premium. The specific cost depends on several factors, including the vehicle’s value, your driving record, location, and the chosen coverage levels.

Importance of Comprehensive Coverage for New Vehicles

A new vehicle represents a significant investment. Comprehensive coverage is crucial for protecting this investment against unforeseen events. The cost of repairs or replacement for a new car can be substantial. Comprehensive coverage provides peace of mind, ensuring financial protection against potential damage.

Understanding Add-on Coverages and Benefits

Several add-on coverages can further enhance your insurance protection. Examples include rental reimbursement coverage, which compensates you for rental car expenses if your vehicle is damaged or stolen, and roadside assistance, which provides support in case of a breakdown or mechanical failure. Understanding these add-ons and their benefits allows you to tailor your policy to meet your specific needs and priorities.

Consider whether these add-on coverages align with your driving habits and potential risks.

Tips for Obtaining Affordable New Car Insurance

Securing affordable new car insurance requires a strategic approach. Understanding the factors influencing rates and employing effective comparison methods are crucial for minimizing costs. This section Artikels key strategies to help you navigate the process and secure the best possible deal.Acquiring the most suitable insurance plan for your new vehicle involves careful consideration of various factors. Comparing quotes from multiple providers, taking advantage of discounts, and negotiating premiums are essential steps.

This approach can significantly reduce the overall cost of your insurance.

Finding the Best Insurance Deals

Several strategies can help you find the best deals on new car insurance. A thorough comparison of quotes from different insurance companies is paramount. Exploring various options and analyzing their respective coverage packages is key.

• Shop Around: Don’t limit your search to just one or two providers. Contact multiple insurers, including online providers and local agencies. This broader search ensures you’re comparing apples to apples, considering the full spectrum of options available.
• Compare Coverage Packages: Carefully review the details of each insurance policy. Ensure that the coverage meets your needs and preferences. Don’t just focus on the price; assess the breadth and depth of the coverage included in each package.
• Check for Discounts: Many insurers offer discounts for various factors, such as good driving records, anti-theft devices, or bundled insurance products. Be sure to inquire about all applicable discounts and leverage them to your advantage.

Comparing Quotes from Multiple Providers

A comprehensive comparison of quotes from different insurers is vital for securing the most affordable insurance. Employing a structured approach to gathering and analyzing quotes is crucial.

• Use Online Comparison Tools: Leverage online tools designed to compare insurance quotes from multiple providers. These tools often streamline the process and present a clear overview of available options.
• Request Quotes Directly from Insurers: Don’t rely solely on online comparison tools. Request quotes directly from insurers to ensure accuracy and potentially uncover hidden discounts or tailored plans.
• Analyze Coverage and Features: Compare not just the price, but also the extent of coverage and additional features included in each quote. Ensure the policy aligns with your specific needs and preferences.

Negotiating Insurance Premiums

Negotiation can be an effective strategy for obtaining lower insurance premiums for your new vehicle. A proactive approach, backed by thorough research, can often yield favorable results.

• Be Prepared to Discuss Your Driving Record: If you have a clean driving record, highlight this to the insurer. A good driving history can often lead to lower premiums.
• Review and Clarify Coverage Needs: Review your insurance needs and be prepared to discuss them with the insurer. If possible, demonstrate how the current policy might be better suited to your specific requirements.
• Consider Bundling Policies: Bundling your new car insurance with other policies, like home or life insurance, might yield additional discounts.

Resources for Finding Affordable Insurance

Numerous resources can help you find the most affordable new car insurance. Utilizing these resources effectively can lead to substantial savings.

• Insurance Comparison Websites: Websites specializing in insurance comparisons provide a valuable platform for evaluating quotes from multiple providers. Examples include Insurify, Policygenius, and others.
• Independent Insurance Agents: Independent agents act as intermediaries, representing multiple insurers and providing personalized advice based on your needs. This can be a valuable resource for navigating the complex insurance market.
• Online Insurance Calculators: Online calculators estimate insurance premiums based on various factors, including your vehicle type, location, and driving history. These tools provide initial estimations and can be a helpful starting point.

Impact of Vehicle Features on Insurance Costs

Vehicle features play a significant role in determining insurance premiums. Understanding how various characteristics affect your policy can help you make informed decisions when purchasing a new car and potentially save money on your insurance. From safety features to advanced technology, the choices you make in vehicle design can directly impact your insurance costs.Insurance companies assess the risk associated with a vehicle based on its inherent safety and security characteristics.

A car with robust safety features and advanced driver-assistance systems (ADAS) is generally perceived as less risky, leading to potentially lower insurance premiums. Conversely, vehicles with fewer safety measures might incur higher insurance costs due to the increased likelihood of accidents or claims.

Safety Features Affecting Premiums

Safety features are crucial factors in determining insurance costs. These features directly influence the likelihood of accidents and the severity of injuries in case of an accident. Insurance companies use data on accident rates, injury severity, and the effectiveness of various safety features to determine premiums.

• Anti-theft Systems: Vehicles equipped with advanced anti-theft systems, like alarm systems and immobilizers, typically experience lower insurance costs. These systems deter potential theft and reduce the risk of financial loss for the insurance company, leading to reduced premiums. For example, a vehicle with a proven anti-theft system installed might see a 5-10% decrease in insurance costs compared to a vehicle without such protection.

• Airbags and Restraint Systems: Vehicles with a comprehensive array of airbags and seatbelt systems generally have lower insurance premiums. The presence of these features demonstrates the manufacturer’s commitment to passenger safety, which translates to a lower perceived risk for insurance companies.
• Electronic Stability Control (ESC): Vehicles equipped with ESC often experience reduced insurance premiums. ESC systems assist drivers in maintaining control during challenging driving conditions, reducing the risk of accidents and associated claims. This results in a lower risk assessment for the insurance company.

Advanced Driver-Assistance Systems (ADAS)

Advanced driver-assistance systems (ADAS) are becoming increasingly prevalent in new vehicles. These systems aim to enhance driver safety and potentially reduce accident risks. Insurance companies are closely monitoring the effectiveness of ADAS features and their impact on accident rates. This allows them to assess the risk associated with these features and adjust premiums accordingly.

• Automatic Emergency Braking (AEB): Vehicles equipped with AEB, a feature that automatically applies brakes to prevent collisions, often enjoy lower insurance premiums. The reduced risk of accidents due to AEB significantly impacts the insurance company’s risk assessment.
• Lane Departure Warning Systems (LDWS): Cars with LDWS systems typically have lower insurance premiums. The systems help drivers stay within their lane, reducing the likelihood of lane-change accidents and other related incidents.

Vehicle Safety Ratings and Insurance Costs

Vehicle safety ratings from reputable organizations, such as the National Highway Traffic Safety Administration (NHTSA) and the Insurance Institute for Highway Safety (IIHS), directly influence insurance premiums. Higher safety ratings often translate to lower insurance costs.

• Correlation between Ratings and Costs: Vehicles with higher safety ratings typically have lower insurance premiums. The higher safety rating indicates that the vehicle is designed to protect occupants in an accident, reducing the risk of injuries and property damage. This reduced risk translates into a lower risk assessment for insurance companies.
• Impact on Premium: A vehicle receiving a top safety rating from recognized organizations can see a substantial reduction in its insurance premiums compared to a vehicle with a lower rating.

Impact of Location on Insurance Costs for New Cars

Geographic location plays a significant role in determining new car insurance premiums. Factors like local crime rates, traffic accident statistics, and even the specific driving conditions in a region directly influence insurance companies’ risk assessments. Understanding these regional variations is crucial for new car owners seeking affordable coverage.Insurance companies meticulously analyze data from various sources to assess risk.

A region with a higher incidence of theft or accidents will inevitably result in higher premiums for new cars insured within that area. This is because insurance companies need to account for the increased likelihood of claims and potential payouts. The cost of settling claims in areas with a higher incidence of accidents and theft naturally reflects in the premium rates.

Factors Influencing Insurance Premiums in Different Regions

Insurance premiums for new cars are not uniform across all regions. Numerous factors contribute to the variations, including local crime rates, the prevalence of traffic accidents, and the driving environment itself. These factors are collectively considered by insurance companies when determining the risk associated with insuring a new car in a particular location.

• Crime Rates: High crime rates, particularly theft rates, increase insurance costs. Insurance companies view areas with frequent car thefts as higher-risk zones, requiring them to raise premiums to cover potential losses.
• Traffic Accident Statistics: Regions with a history of high traffic accidents also experience higher insurance premiums. The higher the frequency of accidents, the more substantial the financial burden on the insurance company, directly impacting the rates.
• Driving Conditions: The type of roads, weather patterns, and driving conditions within a region significantly affect accident risk. For example, areas with frequent icy conditions or winding roads will likely have higher insurance premiums due to the higher potential for accidents.

Impact of Crime Rates and Traffic Accident Statistics

Crime rates and traffic accident statistics are directly correlated with insurance premiums. A region with a higher incidence of car theft or accidents will have higher insurance premiums.

• Theft Rates: Insurance companies use theft rates as a critical factor in determining premiums. Areas with a higher number of reported car thefts will have higher premiums to account for the increased risk of claims.
• Accident Statistics: The frequency of traffic accidents in a region significantly influences insurance premiums. A high accident rate indicates a higher risk of claims, leading to higher premiums to cover potential payouts.

Comparative Analysis of Insurance Premiums

The following table illustrates a hypothetical comparison of insurance premiums for new cars in different cities. Note that these are illustrative examples and actual premiums can vary significantly based on numerous other factors, including the specific car model, driver profile, and coverage options.

City	Average New Car Insurance Premium (USD)	Reasoning
City A	$1,500	Lower crime rate, fewer accidents, and relatively good driving conditions.
City B	$1,800	Moderate crime rate, average accident rate, and slightly challenging driving conditions.
City C	$2,200	Higher crime rate, higher accident rate, and potentially harsh driving conditions (e.g., mountainous terrain).

Understanding Insurance Policies for New Cars

Navigating the complexities of new car insurance policies can feel daunting. However, a thorough understanding of the key terms and conditions is crucial for making informed decisions and ensuring adequate protection for your investment. This section delves into the specifics of new car insurance policies, highlighting important clauses and providing examples of common exclusions.New car insurance policies, like any other, are contracts.

These contracts Artikel the responsibilities of both the insurer and the policyholder. A clear comprehension of these agreements is essential to avoid potential disputes or misunderstandings. The policy serves as a legal document defining the scope of coverage and the limitations associated with it.

Key Terms and Conditions

Insurance policies often include a multitude of terms and conditions. Understanding these terms is vital for a comprehensive understanding of the policy’s scope. Key terms often include the definition of “loss,” “damage,” “accident,” and the specific coverage periods. The policy document meticulously details the specific situations in which the insurance company is obligated to provide compensation.

Importance of Understanding the Fine Print

The fine print of insurance policies often contains crucial details. Often overlooked, these provisions can significantly impact the policy’s effectiveness. Failing to comprehend these clauses can result in unexpected gaps in coverage or the denial of claims in unforeseen circumstances. Reading and understanding these provisions thoroughly is paramount to ensuring the policy adequately safeguards your interests.

Common Exclusions and Limitations

Insurance policies invariably contain exclusions and limitations. These clauses delineate situations in which the insurance company will not provide coverage. These exclusions can vary depending on the specific policy and insurer, so it is essential to review them carefully. Common exclusions include damage caused by wear and tear, vandalism, or intentional acts by the policyholder.

Policy Types and Coverage Details

Different types of insurance policies offer varying levels of coverage. Understanding the nuances of each policy type is essential for selecting the appropriate protection. Below is a summary table outlining the key features of common policy types.

Policy Type	Coverage Details
Comprehensive Coverage	This policy covers damages resulting from perils not related to accidents, such as theft, fire, vandalism, hail, and weather events.
Collision Coverage	This coverage protects you if your vehicle is damaged in an accident, regardless of who is at fault.
Liability Coverage	This policy covers damages you cause to other people’s property or injuries to others in an accident. It’s mandatory in many jurisdictions.
Uninsured/Underinsured Motorist Coverage	This coverage provides protection if you’re involved in an accident with a driver who lacks insurance or has insufficient coverage.

Final Thoughts

In conclusion, the cost of insuring a new car isn’t always lower than a used one. Numerous factors, from driver demographics to vehicle specifications and location, play a role. By understanding these factors and comparing quotes, you can make informed decisions to minimize insurance costs on your new vehicle.

Detailed FAQs

How does a new car’s safety rating affect insurance premiums?

Vehicles with higher safety ratings often receive lower insurance premiums, as they are statistically less prone to accidents. Insurance companies assess the risk associated with the vehicle’s safety features.

Are there discounts specifically for new car purchases?

Many insurance providers offer discounts for new car purchases. These can vary depending on the provider and specific promotion. It’s worthwhile to check with various companies for the latest offers.

How does my driving history affect my new car insurance?

Your driving record, including any accidents or traffic violations, is a key factor in determining your insurance premiums. A clean driving history generally results in lower premiums.

How can I compare insurance quotes for my new car?

Use online comparison tools to quickly gather quotes from multiple insurers. Consider different coverage levels and add-ons to find the most suitable policy at the best price.