How do you compare car insurance quotes?
Compare car insurance quotes from multiple companies before you choose an insurance policy. Know your policy coverage, your vehicle, and your credit score before comparing car insurance quotes.
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Joel Ohman
Founder & CFP®
Joel Ohman is the CEO of a private equity backed digital media company. He is a CERTIFIED FINANCIAL PLANNER™, author, angel investor, and serial entrepreneur who loves creating new things, whether books or businesses. He has also previously served as the founder and resident CFP® of a national insurance agency, Real Time Health Quotes. He has an MBA from the University of South Florida. Jo...
Founder & CFP®
UPDATED: Jul 31, 2023
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident car insurance decisions. Comparison shopping should be easy. We are not affiliated with any one car insurance company and cannot guarantee quotes from any single company.
Our partnerships don’t influence our content. Our opinions are our own. To compare quotes from top car companies please enter your ZIP code above to use the free quote tool. The more quotes you compare, the more chances to save.
Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.
UPDATED: Jul 31, 2023
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident car insurance decisions. Comparison shopping should be easy. We are not affiliated with any one car insurance company and cannot guarantee quotes from any single company.
Our partnerships don’t influence our content. Our opinions are our own. To compare quotes from top car companies please enter your ZIP code above to use the free quote tool. The more quotes you compare, the more chances to save.
On This Page
- You should always compare quotes from multiple companies before you choose an insurance policy
- Be sure to research any company you’re considering online
- Familiarize yourself with your credit score and your driving history
It seems like every time you turn around, someone is telling you that you could save money on your car insurance. The only way you can truly save money on your car insurance is by receiving accurate quotes from multiple providers that compare coverage with cost.
Type your zip code into the FREE tool box on this page and compare online car insurance rates now!
How can you be sure that you are comparing apples to apples in car insurance coverage?
You must get accurate quotes from reputable providers. Read the tips below so you can learn how to save money and time when researching insurance providers.
Know Your Policy Coverage
The first thing you need to keep in mind when comparing car insurance quotes is that every policy is different. It is extremely important for you to know your policy and the coverage under which you are currently insured.
To do this, find your policy or its declaration page. Highlight important coverage information, including:
- deductibles
- bodily injury liability
- collision
- comprehensive coverage
- personal injury protection
- uninsured/underinsured motorist coverage
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Know Your Cancellation Policy
Review your policy and determine what type of cancellation notice needs to be given. Often, if you fail to give appropriate notice, you will be billed for the following month and it will be reported to the credit agencies.
Also, make sure that a new policy will go into effect immediately. You do not want to risk a lapse in coverage.
Know Your Vehicle
Another way to ensure the quotes you receive are accurate is to have your vehicle information handy. Be sure to know your make, model, year, and vehicle identification number.
If you know what safety features your car has, this will also be beneficial, as companies usually give discounts for such features.
Write them down to avoid forgetting them during the questionnaire process.
Request a Copy of Your Driving Record
You should also request a copy of your driving record from your state’s Department of Motor Vehicles in order to provide accurate information to the insurance companies.
An insurance quote will be more accurate if the agent can input any driving infractions that occurred within the last ten years.
An agent will pull an official copy of your records after insuring you, which may result in an increase in your premium. It is better to be upfront and honest.
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Know Your Credit Score
It may seem completely unrelated, but insurance companies conjure up estimates by taking your credit score into account.
If you know your credit score, you can receive a more accurate quote and not be surprised by an increase in your premium once the agent pulls the score.
Only Pursue Reputable Companies
Take the time to research car insurance companies.
Read reviews on the Internet and ask around. Take time to look up the company’s financial ratings with A.M. Best and the Better Business Bureau so you can be sure your new provider is stable and will still be around in a year or two.
Online Quotes
Online car insurance quotes are simply estimates that are generated by a computer. You must first input your accurate personal information so that an estimate can be generated.
If you enter inaccurate information, the estimate will be incorrect.
Once an estimate is generated, you will most likely have to speak to a representative to finalize coverage. It is at this time you should go over your current coverage and compare apples to apples.
Your quote might increase or decrease depending on the personal information given to the representative and depending on whether or not you are making any changes to your coverage.
Take the time to take note of how the premiums would change should you make adjustments to your current insurance policy. Review the changes to determine what is the most cost effective, but do not make a decision now.
Ask the representative how long the quoted price applies so that you are not forced into making an impulsive decision.
If you have to make a decision immediately, do not insure your vehicle with this company.
Next, call your current insurance agent. It is worth the effort to see if your current insurance agent will match another company’s premium quote and coverage.
Be sure and follow the tips mentioned above to ensure you obtain all the necessary information you need to make an educated decision and start saving money today.
Frequently Asked Questions
How do you compare car insurance quotes?
To compare car insurance quotes, you should follow these steps:
- Gather information about your policy coverage, vehicle, and credit score.
- Research and obtain quotes from multiple insurance companies.
- Ensure you are comparing similar coverage types and limits.
- Consider the reputation and financial stability of the insurance companies.
- Enter accurate information when obtaining online quotes.
- Review the quotes and coverage details carefully.
- Contact a representative to discuss the quotes and make any necessary adjustments.
- Compare premiums and coverage changes to find the most cost-effective option.
- Take note of the quoted price validity period before making a decision.
- Consider contacting your current insurance agent to see if they can match the quotes.
How can you be sure that you are comparing apples to apples in car insurance coverage?
To ensure you are comparing similar car insurance coverage, follow these tips:
- Know your current policy coverage and understand the details.
- Highlight important coverage information from your policy or declaration page.
- Review the cancellation policy and ensure a new policy will take effect immediately.
- Have accurate vehicle information, including make, model, year, and VIN.
- Request a copy of your driving record to provide accurate information.
- Know your credit score, as it may impact the insurance quotes.
- Research and choose reputable insurance companies.
- Read reviews and check financial ratings with organizations like A.M. Best and the Better Business Bureau.
- Be aware that online quotes are estimates, and accuracy depends on the information you provide.
- Compare quotes while keeping your current coverage in mind.
How do online car insurance quotes work?
Online car insurance quotes are estimates generated by computer systems. To receive an accurate quote, you must provide accurate personal information. Once the estimate is generated, you may need to speak to a representative to finalize coverage. During this process, you can go over your current coverage and compare it to the new quotes. The final premium may change based on the information provided and any adjustments made to the coverage. Take note of the changes in premiums for different coverage options. The quoted price may have a validity period, so it’s essential to ask the representative about it to avoid making an impulsive decision.
Free Car Insurance Comparison
Enter your ZIP code below to view companies that have cheap car insurance rates.
Secured with SHA-256 Encryption
Joel Ohman
Founder & CFP®
Joel Ohman is the CEO of a private equity backed digital media company. He is a CERTIFIED FINANCIAL PLANNER™, author, angel investor, and serial entrepreneur who loves creating new things, whether books or businesses. He has also previously served as the founder and resident CFP® of a national insurance agency, Real Time Health Quotes. He has an MBA from the University of South Florida. Jo...
Founder & CFP®
Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.