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How To Compare Car Insurance Quotes

Buying auto insurance can be a confusing process, and you may get a lot of feedback on which company to use and what coverage to get. Your uncle tells you to go to company A, your best friend says company B, and you really like the funny company Z commercial.

The key to finding a good deal is comparing auto insurance rates.

Comparing quotes from many different insurance companies is one of the best ways to save money. It is not a process that takes hours. With a minimal investment of time, you can find the best auto insurance rates and policies for you.

What are the auto insurance rates?

Our auto insurance quote is a free estimate of how much you will pay for your auto insurance policy. It depends on many factors, including your age, driving history, type of vehicle you drive, where you live, and previous vehicle insurance claims.

Each insurance company has its own formula for calculating auto insurance rates, so it is important to compare auto insurance quotes from various insurance companies. You can pay less (or more) for the same coverage from a different company.

How do I get free auto insurance quotes?

Here are two ways to get auto insurance rates:

  1. Online. Many auto insurance companies offer free auto insurance quotes online. You can visit the websites of many insurance companies and compare rates. To save time, use a website that provides quotes from multiple companies.
  2. By phone or in person. Talk to or visit a local insurance agent who can help you find affordable car insurance options and get a car insurance quote.

Captive insurance agents versus independent agents

There are generally two types of insurance agents:

  • A "captive" agent works for an insurance company and can only give you a quote from that insurance company.
  • An "independent" insurance agent can sell policies from many insurance companies and can obtain quotes from different insurance companies.

Both approaches have benefits, and there is no law prohibiting contact with multiple insurance agents. It doesn't hurt to get quotes online and also speak with an agent who can help you define your coverage needs and design a policy that works best for you.

What information do I need to get auto insurance quotes?

To make the process as smooth as possible, it helps to have the following information on hand:

  • Driver's license. If there are other drivers in your household, they will also need their driver's license information.
  • Vehicle identification number (VIN). You can usually find your vehicle identification number on the driver's side of the dash or printed on a sign on the driver's side door or pillar door. If you haven't bought the car yet but know what to buy, ask the seller for the VIN number. If you haven't chosen your car yet, you can usually get a quote along with the make and model of the vehicle.
  • mileage. If you own the vehicle, keep the odometer reading within easy reach.
  • How much coverage do you want. You will want to know what types of coverage you want to purchase and how much coverage you need. If you are unsure, it is a good idea to speak with an insurance agent who can help answer your questions.

The auto insurance company will collect additional information about you, such as your driving history, past auto insurance claims, and (in most states) your credit.