How to Compare Multiple Car Insurance Quotes Online (Quick Tips)

Wondering how to get multiple car insurance quotes online? You can compare multiple free car insurance quotes by using a website like the one you’re on. Use our free quote tool to find affordable car insurance now.

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Written By: Laura BerryReviewed By: Joel OhmanUPDATED: Jun 2, 2022Fact Checked

Here's what you need to know

  • Comparing multiple car insurance quotes online is a great way to narrow down your choices and find the best price.
  • Once you get multiple insurance quotes at once, check out the individual companies that seem to fit your needs best.
  • When you deal with a specific company, you can ensure that all the details in your auto insurance policy are custom-fit for your needs.

It seems that there are hundreds of ways to get cheap auto insurance quotes online free for anyone who needs them. While this is a good thing, comparing multiple insurance quotes online can be somewhat daunting. Read our comprehensive guide to learn how to get multiple car insurance quotes online quickly.

Soon you’ll know how to compare multiple free car insurance quotes like a professional.

Although figuring out how to compare car insurance rates online can be time-consuming, it’s not as difficult as it might appear. The key to understanding your car insurance policy comparisons is knowing exactly what you’re looking for.

It helps you make sense of insurance companies’ free quotes that are too long and might provide too much information. Knowing what to look for in relation to your specific needs and preferences will help you make an educated decision a lot quicker.

Find the cheapest car insurance rates near you. Compare auto insurance rates from multiple auto insurance companies online now by entering your ZIP code into our FREE quote comparison tool above.

How do I get multiple auto insurance quotes?

Car insurance is legally required in 49 states. However, according to the National Association of Insurance Commissioners, at least 13 percent of drivers are uninsured. 

Fortunately, great car quotes are out there, and you can secure a cheap monthly rate. The best place to start is at a website like the one you’re on right now. 

In fact, you can use this site’s search tool to begin the process of acquiring multiple car insurance quotes at once online from multiple insurance companies at once.

You begin by entering your ZIP code, which then directs your browser to a second page. From there you’ll enter specific information about your car, where you live, your employment, and so forth. After a few minutes, the quote tool will return the results to you.

But how do online car insurance quotes work? Automated online quote tools provide you with a number that is just a best-guess estimate based on the information you provide and industry averages in your area.

When you finally do choose one of the online quotes for car insurance from a company, a representative will have to verify your information, which could result in your actual rate being higher or lower than the quote. 

Many factors impact your car insurance rates, like where you live, your age, and sometimes even your gender. Every company uses a different equation to calculate your rates.

Therefore, comparing quotes from multiple companies will help you find the insurance company most compatible with your unique needs.

The following table compares annual rates from different companies by gender and age in California. Pay close attention to how these quotes vary by company.

California Average Annual Car Insurance Rates by Company
CompanyMarried 60-Year-Old FemaleMarried 60-Year-Old MaleMarried 35-Year-Old FemaleMarried 35-Year-Old MaleSingle 25-Year-Old FemaleSingle 25-Year-Old MaleSingle 17-Year-Old FemaleSingle 17-Year-Old Male
United Financial Casualty$1,518.62$1,802.64$1,785.37$1,837.82$2,576.92$2,771.33$4,767.78$5,748.65
State Farm$2,957.44$2,957.44$3,310.18$3,310.18$3,663.92$3,777.69$6,089.50$7,555.39
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As you can see, the rates you’ll receive from different companies can look drastically different. The premiums will also change if we looked at a different state, like Texas or Maine. Comparison shopping is the best way to narrow down your choices.

If you’re wondering how accurate are online car insurance quotes, know that what you’ll receive is a professional estimate. 

This will be especially true if your information was incomplete or inaccurate. Be sure to look through our car insurance comparison chart to research multiple insurance companies.

Because you’ll be looking at insurance quotes from all companies, there is a chance that after you make your choice and provide that company with more specific information that your actual rate rises or lowers. 

However, getting a quick insurance quote online is still going to be the best way to secure the cheapest rates. 

You know how to get multiple car insurance quotes on one site, but now what? Keep reading to learn how to compare insurance rates and choose the right policy for you. 

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How do I compare multiple insurance quotes at once?

Now that you know how to get multiple car insurance quotes at once, you’re ready to begin comparing them line by line. According to the Insurance Information Institute, technically every state requires drivers to purchase liability insurance.

You’ll probably notice there is very little difference in price for the required state minimums for coverage of bodily injury, property damage, and general liability.

Since all policies must carry those state minimums by law, there’s very little flexibility in the pricing structure. But there’s a catch.

In addition to state minimums, a company might include full glass coverage options and roadside assistance as part of its basic policy. Others may not. That’s the type of thing you’re looking for.

Next, you’ll want to compare the amount of comprehensive coverage offered for additional things such as:

  • Fire and theft
  • Uninsured motorist coverage
  • Full collision coverage
  • Extraneous options like identity theft protection

Each of these items should be listed on a separate line, along with the annual cost of the premium. Again, you’ll need to compare each insurance quote for your potential car. Look at what each of these additional coverages offers in relation to the amount of money it’s going to cost you.

Once you get multiple car insurance quotes online, ask yourself which one best fits your specific needs. What policy fits your budget and your coverage needs? Pick the company that is your best match at the most affordable rate. 

What do I do if there aren’t enough car insurance details?

Sometimes you get a free car quote that does not contain enough details for you to make an informed decision. That means you’ll have to contact the individual insurance companies to get the additional information you need.

This can be done in one of two ways: online and by phone.

If you don’t want to go through the hassle of dealing with a live agent to start with, try the online method first. You’ll need to make an educated guess based on the estimated car insurance quotes and choose a couple of companies that seem to have the best price.

From there go directly to the companies’ individual websites and use their online quote tools, if they have them.

These quote tools tend to be a bit more detailed than third-party tools and should offer you a better quote with more information.

From these quotes you can once again compare line-by-line items, looking for total coverage, premium, deductibles, and so on.

If this method still does not provide enough details, your last resort is to either call the insurance company directly or a local agent in your area. When you do call for assistance, make sure you don’t hang up until you have answers to all your questions.

It doesn’t do you any good to spend a lot of time on the phone just to hang up still wondering how much your car insurance is going to cost you.

While you can get multiple car insurance quotes at once, the task is frightening to many people. But it doesn’t need to be. After you’ve done it a couple of times you become quite adept at it.

You might even be able to teach your friends and family members how to do it, too!

Start your quick car insurance quote search by entering your ZIP code into our FREE search tool below.

How can I get multiple car insurance quotes quickly?

You can compare car insurance quick quotes easily if you gather up the proper information ahead of time. For example, we recommend you do the following:

  • Review your current policy and determine what type of coverage you need.
  • Determine your monthly car insurance budget.
  • Use a comparison tool to find potential new policies.

If you are in the market to get quick car insurance quotes, you can use a multi-quote insurance comparison tool to quickly view several insurance policies from a variety of insurance carriers.

However, it is important to read through each policy and compare it to your current policy before choosing a different policy. This ensures that you are getting the coverage you need at a price you can afford.

Maybe you do not want to check car insurance quotes online. If you want to find car insurance quotes not on comparison websites, you can call insurance agents in your area or use an independent broker. 

Compare free multiple car insurance quotes now. Enter your zip code above to get started.

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Determining Your Car Insurance Needs

Before you can perform multiple car insurance comparisons, you must determine your car insurance coverage needs. There are two basic types of car insurance policies, including liability and collision.

Every state requires some form of liability insurance, and driving without liability insurance is illegal.

In its most basic form, liability insurance covers the other driver’s car repairs and medical expenses if you are found to have caused the accident.

Liability insurance does not cover your expenses if you caused the accident.

  • Liability insurance works well for individuals that drive older cars that are paid off and can afford to repair or replace their car if they get into an accident
  • Collision insurance includes additional coverage for the repair or replacement of your vehicle and your accident-related medical expenses if you are the at-fault driver
  • Collision insurance typically comes with a deductible, which is the amount you must pay before your insurance company pays for the repairs or replacement of your vehicle

For example, if you get into an accident that causes $1,500 worth of damage to your vehicle and your deductible is $500, you would pay the $500, and your insurance company would pay the remaining $1,000.

Individuals with newer cars or vehicles that are not paid off usually need to have collision insurance coverage to ensure the vehicle gets repaired to its pre-crash state if you are involved in an accident.

Shopping for Multiple Insurance Quotes

When it comes to shopping for car insurance, it is important to get car insurance quotes from multiple companies.

Most car insurance shopping articles say that the best places to get car insurance quotes will provide you with as many rates from as many different insurance companies as possible.

The reason is simple. Different insurance companies charge different rates, even for the same policies.

This is because different insurance companies assess risk differently, and their rates reflect their estimated risks.

Car Insurance Discounts

Before completing your third-party insurance quotes comparisons, remember to also compare the auto insurance discounts offered by each company. Most insurance companies offer a variety of discounts that can make your monthly premium more affordable.

Common savings include a multi-policy discount, good or defensive driver discount, multi-car discount, and driving a car with certain safety features.

Multi-line discounts involve saving a certain amount of money for having more than one policy with the same insurance company.

By combining homeowners insurance with your auto insurance coverage you may be eligible for a bundle discount.

What is a defensive driver discount? Good or defensive driver discounts revolve around remaining accident and infraction-free for a certain period of time.

Typically, drivers that have been accident and infraction free for five years or more are eligible for safe driving discounts, because the insurance company deems them low risk.

Certain car safety features can also earn you a discount because they make you less susceptible to receiving major injuries during your accident.

Common safety features include ABS brakes and passenger-side airbags.

In order to determine if you qualify for any discounts, you should fill out the comparison tool quote form as accurately as possible and indicate all of your insurance interests. This allows the tool to provide you with the best results for your specific needs.

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Using a Car Insurance Multiple Quotes Comparison Tool

A comparison quote tool can help you quickly find affordable car insurance quotes by car, but it is important to understand how the tools themselves work.

In their most basic form, the tool takes the information you entered about yourself and the car, and free insurance deals are compared with all of the available policies.

You can expect to be asked several questions. Those questions will center around your driving habits, your personal information, and your cars.

If you have been in an accident or gotten any tickets for traffic violations, you will need to list those. These will affect your insurance rates.

You will need to input your name, address, and any additional drivers that will be covered under your policy, and you will need to list the make, model, and year of every car you wish to insure.

Comparing personalized quotes from multiple car insurance companies can help you find the cheapest rate.

Reviewing & Purchasing a Car Insurance Policy

Once you have your quotes, you will need to look at more than just the cost of the auto policies. The cost only tells you how much you would be paying for your new policy.

It does not tell you what your policy covers. For this reason, you need to review each policy in detail and compare it to your current policy to make sure it adequately protects you in the event of an accident.

Once you find a policy that meets your needs, you can usually purchase it online with a debit or credit card. At the end of the process, you should be able to print out your new policy and your temporary insurance cards.

Permanent insurance cards are usually mailed to you within a certain number of days.

Be sure to do the following:

  • Review each policy
  • Determine which policy meets your needs and budget
  • Purchase your new policy
  • Print your policy information and insurance cards

When it comes to filling out a quote form and finding a new insurance policy, you must include the most accurate information possible.

Sometimes, it can help to have your current policy sitting next to you while you fill out the form. By accurately filling out the form, you are ensuring that you get the best possible quotes.

Once you review each policy, choose a policy that best meets your needs and monthly budget.

Frequently Asked Questions: Compare Multiple Car Insurance Quotes Online

You now know how to compare multiple car insurance quotes quickly online or in person. Whether you choose to use insurance websites, quote comparison tools, or an insurance broker, you’re ready to get started. 

Fortunately, by following our tips for car insurance quotes, you’re sure to receive the lowest possible rates. Did you think of something we missed? Check out our frequently asked questions below.

#1 – What is the cheapest way to insure two cars?

You can find many multi-car insurance comparison websites that allow you to receive quotes even if you own more than one vehicle. Remember to also ask about multi-car discounts. 

#2 – What is the best multi-car insurance company?

When you look for car insurance quotes, you’ll notice many variables are used to calculate your rates. Therefore, there is no one best company. It changes depending on your unique circumstances. This is why we recommend you get multiple car insurance quotes at one time.

#3 – How do I get multiple car and home insurance quotes online?

All-in-one insurance quotes are available if you ask about home and auto bundles. You may even qualify for discounts if you use the same company to insure your house and cars. 

#4 – What is the best way to compare multiple insurance quotes at once?

The best way to get multiple car insurance quotes for comparison purposes is by using a free online tool. If you want the best insurance not on comparison websites, you can also choose to use an independent agent or insurance broker, however, that usually takes more time. 

#5 – Is it bad to get multiple car insurance quotes?

No, it is not bad to get multiple insurance quotes at one time. If you compare all car insurance quotes at once, you’ll be able to see which companies offer you the cheapest rates and best deals.

#6 – Where can I get multiple insurance quotes?

If you’re still wondering where to get multiple car insurance quotes, just enter your ZIP code into our FREE quote comparison tool to start shopping. Many online resources are available to help you secure multiple free quotes.

You’re ready to compare multiple car insurance rates. Start looking at multiple car insurance quotes online right now by entering your ZIP code into our FREE quote comparison tool below

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.

A former insurance producer, Laura understands that education is key when it comes to buying insurance. She has happily dedicated many hours to helping her clients understand how the insurance marketplace works so they can find the best car, home, and life insurance products for their needs.

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Written by Laura Berry
Former Insurance Agent Laura Berry

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...

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Reviewed by Joel Ohman
Founder & CFP® Joel Ohman

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