Is it cheaper to purchase car insurance online?

You can purchase car insurance online, and getting online car insurance quotes is much quicker than calling your local car insurance agent. We recommend getting free car insurance quotes online before your purchase car insurance online so that you have an idea of what car insurance rates drivers are paying in your state. Enter your ZIP code below to compare now.

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Compare Quotes From Top Companies and Save

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UPDATED: Apr 3, 2022

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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.

Written By: Laura BerryReviewed By: Joel OhmanUPDATED: Apr 3, 2022Fact Checked

Here's what you should know...

  • Quotes you receive online may differ from the ones you receive when you contact a company directly
  • Using the internet makes quote comparison easier than ever at no cost
  • Shopping online for auto insurance can land you exclusive deals that save you hundreds of dollars

The truth is that sometimes you can get an online car insurance quote and it will be cheaper than a quote that you will receive if you contact an insurance company directly. This doesn’t automatically mean that your insurance rates will be cheaper since you are only in the quote comparison stage of shopping.

Sometimes, if you call an insurance agent by phone, they just won’t have the deals available that you can find online. Often there are online-only offers, and other times there are deals that an insurance company makes with a promoter that allows you to get lower initial rates that will increase after your first policy expires.

The problem is that it just takes too much time to get quotes that are direct from an agent and quotes online.

Although you should do your due diligence in order to find the best price, you don’t want to spend hours or even days comparing rates from the same company! Simply put, using the online approach often yields better results.

Enter your ZIP code above and compare car insurance quotes online for FREE!

Where is the best place to get online quotes?

Assurance American Insurance Review

You have a couple of options when it comes to getting quotes online. The first option is to make a list of all of the licensed insurance companies in your area and then visit each of their websites and fill out a quote form. You can find a list of company ratings at JD Power’s website.

As you can imagine, there are a couple of problems with this option. The first problem is that filling out forms for even a few companies is going to take some time.

The other problem is that you are going to have to provide information that will allow each insurance company to contact you, and they WILL contact you!

In some cases they will stick with email contacts, sending your information and reminding you that you haven’t acted on your quote. In most cases, however, you will receive emails as well as phone calls as the companies attempt to get your business.

The second option is to use a free quote tool, much like the one found on this page. The benefit to this is that you don’t have to search for companies that sell insurance in your area.

What’s more, you don’t have to keep track of the quotes — everything is presented to you side by side, all on one web page.

Free Car Insurance Comparison

Enter your ZIP code below to view companies that have cheap car insurance rates.

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Why is my online quote different from my final price from the insurance company?

This is the one downside to using a free quote tool. What makes it so fast and easy to use also makes it not quite perfect in some cases when it comes time get your quote.

You see, because these types of quote tools don’t require your VIN number, your Social Security number, and other pertinent personal information, the quote you are given is based strictly on the answers that you provide in terms of your driving.

However, once you make a final choice, the insurance company is going to delve a little deeper and, if for some reason you were dishonest or you simply left something out of your application, then your quote is going to be different.

In some cases, you may end up with a lower final price, though most people usually forget about a ticket or a little fender bender, and it increases their rates.

Overall, however, your quote should be darn close to what you get from the insurance company. In some cases, the quote and your final price will be exactly the same. It just depends on your individual situation

What if I choose a company and then get a better online quote later?


The good news about car insurance is that even though you are technically signing a contract, it is one that you can legally break. The trick is knowing when it is the right time to change your car insurance.

Many people don’t realize that base car insurance rates fluctuate every single day.

You can learn more about rate fluctuations from the Insurance Information Institute. However, that doesn’t mean if you see a change in rates of $1 or $2 that you should make a policy switch! Instead, you should wait until the savings are significant enough to warrant a change.

You also need to keep in mind that, even though you can change companies as often as you want, this doesn’t necessarily mean that you should. Insurance companies offer loyalty discounts, and you could save more by sticking around. What’s more, if you switch too many times, then insurance companies aren’t going to give you a preferred rate.

The best way to save money on car insurance is to compare quotes from multiple companies before signing a contract.

To find the lowest car insurance rates, enter your ZIP code below to compare multiple quotes right now for FREE!

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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