Key Takeaways at a Glance
- Reviewing state-specific rating rules can uncover 15% to 30% in unclaimed policy discounts.
- Telematics programs differ fundamentally between discount-only vs surcharge-eligible apps.
- Carrying 100/300/100 liability is the essential baseline to shield personal assets and home equity.
Free Rate Comparison
Compare Top Insurers in Your ZIP Code
See active 2026 rates from Progressive, GEICO, State Farm, Allstate, and Travelers with zero obligation.