Here are 5 expert tips for choosing the best auto insurance in 2025, based on the latest industry guidance and consumer research:

1. Reevaluate Your Coverage Annually
   Your insurance needs can change due to new vehicles, drivers, or changes in your financial situation. Review your policy every year to ensure your coverage matches your current needs and you’re not paying for unnecessary extras71.

2. Assess Your Coverage Needs Carefully
   Decide whether you need liability-only, comprehensive, or collision coverage. For new or high-value cars, comprehensive coverage is often wise. Make sure your coverage limits are high enough to protect your assets, especially if you live in an area with high accident or theft rates17.

3. Compare Quotes from Multiple Insurers
   Prices and coverage options vary widely between companies. Use comparison tools to get multiple quotes and don’t just renew with your current provider out of habit. Shopping around can save you hundreds per year124.

4. Take Advantage of Discounts and Usage-Based Programs
   Ask about all available discounts, such as bundling, safe driver, good student, and low-mileage. Consider telematics or usage-based insurance programs, which can offer significant savings if you’re a safe driver71.

5. Evaluate the Insurer’s Reputation and Claims Process
   Choose a company with strong customer service and a reputation for fair, fast claims handling. Check reviews, ratings, and complaint indexes. A low premium isn’t worth it if the insurer is difficult to deal with after an accident123.

Bonus Tip:
Consider your deductible—the amount you pay out-of-pocket before insurance kicks in. Higher deductibles lower your premium but require more upfront if you file a claim. Choose a deductible that fits your budget1.

By following these steps—regularly reviewing your needs, comparing options, maximizing discounts, and choosing a reputable insurer—you’ll be well-positioned to find the best auto insurance for your situation in 2025.