Compare Auto Insurance & Save

Great auto insurance doesn’t have to be expensive. FIG is 100% independent. We take your current coverages and compare them with over a dozen insurance providers to see who offers you the best deal possible.
A quick 5-minute phone call is all you need to save money on your auto insurance. We have 13 locally owned and operated offices. Find an office near you and give us a call.

Auto Insurance

How Much is Car Insurance?

Determining the price for auto insurance is different for every insurance carrier. These companies each have a certain combination of characteristics they are looking for. The closer you are to these characteristics, the better the price is going to be. This is why FIG always has the best price: we’re comparing dozens of your options at once.
 Here are some of the variables that are used to make insurance price.

  • Age. Insurance companies use your age in their rating formula. Drivers who are under 25 and over 65 typically don’t get preferred rates because statistics show that those two age demographics have the most loss frequency and are therefore more at risk for financial loss due to an auto accident. If you’re in one of these two demographics, comparing is very important.
  • Credit. Credit is a metric that has been used in insurance scoring for many years. The better your credit, the cheaper your rates will usually be
  • Vehicle. The type of car, engine size, and safety features are all part of determining the rate.
  • Driving History. Your driving record and loss history plays a substantial role in the price. If you have multiple moving violations or accidents, you probably won’t get a preferred rate until those things are at least 3 years old
  • Household. Insurance companies underwrite at the household level, meaning they try to judge what the probability of a claim will be based on the entire household. If there are multiple drivers in the house who are under the age of 25 or with poor driving records, everyone’s pricing will likely be affected.

Auto Insurance Coverages

At FIG, we make sure you get what you need and understand your insurance. If you have ever browsed through your auto policy, you may have seen certain coverages and wondered what they are and why they’re on your policy. Since not all of these options are required by law, individual policies vary significantly from person to person. That’s why understanding these terms and having an agent you trust is an important part of properly protecting yourself. Don’t wait until an accident happens to find out if you have the coverage that you need.

Here are a few of the main pieces of auto insurance coverage:

  • Collision Coverage is the part of your policy that covers damage done to your car that was a result of an accident with a fixed or moving object like another car, a guard rail, a building, a guard rail, etc.
  • Comprehensive Coverage also protects your car but only when something else that is not a fixed or moving object damages your car. For example, a rock that cracks your windshield, an animal you hit, vehicle theft, and so on.
  • Property Damage is coverage in the event that you damage another car in an accident, or a guard rail, house, or some other property that belongs to someone else. This is the part of your policy that compensates the other person for that damage
  • Bodily Injury Liability is the coverage that protects your financial interest when you injure another party in an accident. This part of your policy pays for the medical bills and related expenses of the person who you caused harm to. Due to the high cost of medical care, it’s dangerous to carry liability limits that are too low. This is something we can help you decide on.
  • Un-insured & Under-insured Liability is the coverage that pays you when you are injured by another party that was either uninsured or did not have high enough Bodily Injury Liability limits to cover your expenses. This is also a very important part of your auto policy because you don’t have any control over how much insurance other people have.

Policy Discounts

  • Multi-policy By insuring your auto and home with FIG, you will receive a discount on your auto premium as well as your homeowners insurance premium.
  • Multi-car If you insure two or more cars with FIG and they are owned and used by the individual and/or relatives living in the same house, you receive a discount.

Driver-related Discounts

Good drivers who have no accidents or violations receive the most competitive rates, but there are other factors that can reduce your premiums even further, including:

  • Driver training If you have a young driver (under age 21) insured who has completed an accredited driver-training course, you will receive a premium discount.
  • College student Young, unmarried, full-time college students who spend most of the college term away from home without the use of an auto are eligible for a discount.
  • Age 55 & older Cars driven primarily by an insured who is 55 and over can receive a discount on the bodily injury, property damage, medical payments, personal injury protection, comprehensive and collision premiums.

Vehicle-related Discounts

You can save even more money on your auto insurance by choosing a vehicle with the following safety equipment:

  • Passive restraints If your vehicle is equipped with factory-installed automatic seat belts or air bags, you will receive a discount on the medical payments or personal injury protection portion of your premium.
  • Anti-theft devices You may receive a discount on the comprehensive portion of your premium if your vehicle has active or passive anti-theft devices.
  • Anti-lock brakes Vehicles with factory-installed anti-lock brake systems on all four wheels are eligible for this discount that applies to the bodily injury and property damage coverages.

Having the right insurance can save hundreds of dollars a year and thousands of dollars if you are in an accident. Discounts such as paid-in-full, safe driver, and multi-policy can save you big significantly as well. We’ll bundle the best rate and policy based on your needs.


Choosing higher deductibles for collision and comprehensive coverage is an easy and cost-effective way to lower your auto insurance bill. In many cases, the premium savings realized by switching to a higher deductible may be enough to offset the cost difference of an increased deductible in just a few years.

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