Compare Car Insurance Quotes
Saving on Auto Insurance Made Easy
Table of Contents
Need auto insurance? You’re in the right place for competitive quotes and answers to your auto insurance questions. Comparing policies makes good sense and can result in significant savings. Compare Insurance Quotes gives you instant access to a nationwide network of the highest-rated insurance companies and their agents. With our help, you can instantly compare car insurance quotes based on nearly any demographic. Find the coverage that’s right for you and your budget with our step-by-step process. It pays to shop around. Simply fill out the form below and start saving.
What Is a Car Insurance Quote?
If this is your first time comparing car insurance rates, you likely have a lot of questions. For example, many people don’t fully understand what exactly a “quote” is when it comes to auto insurance rates. Auto insurance quotes are basically estimates of how much you would pay for a certain auto insurance policy. Keep in mind that car insurance companies each use their own unique formulas for calculating auto insurance quotes. This means that you’re likely to receive very different quotes from different insurers.
We always encourage those looking for the right insurance policy to shop around with multiple auto insurance companies. By using Compare Insurance Quotes, you can cut out hours of online searching. We offer quotes and comparisons from all the major car insurance companies, all in one place for your convenience. Whether you’re looking for quotes by state, age, gender, or another demographic, we’ve got you covered.
Factors That Affect Car Insurance Rates
Many factors contribute to the cost of your auto insurance:
- The age of the car – Is it new or used?
- The type of car – A sports car or a minivan? An SUV or a compact?
- Who will be covered – An individual, a family, a teen driver?
- How you use the vehicle – How many miles do you drive annually?
- Accidents or infractions – Have you had any in the past 5 years?
- The coverage you need – What should you include above the minimum required?
The experts at Compare Insurance Quotes can help you sort through all the options to make sure you are choosing the right protection.
How to Compare Car Insurance Policies
One of the easiest ways to compare auto insurance rates is to use online auto insurance comparison tools. This is exactly what we offer at Compare Insurance Quotes. Our experts ensure that you have access to data and rates from all the major auto insurance companies, from all states, and all demographics. We pride ourselves on being the one-stop-shop for comparing auto insurance rates.
Rather than spending days contacting each auto insurance company individually and sending them your information, you can submit the same information to us and we’ll gather that information for you. Because our company is owned and operated by consumers just like you, we understand how important your time is. We’re here to help you save time and money so that you can feel secure in the car insurance you choose.
Below, we outline a few suggestions on how best to prepare for comparing car insurance rates.
Understand Your State’s Car Insurance Requirements
Each state has its own specific requirements when it comes to auto insurance. The state minimum car insurance requirement where you live might be vastly different than even the neighboring states. This is why we always recommend checking your state’s minimum requirements before you compare auto insurance quotes.
Check out our page on the state minimum car insurance requirements to see what your state requires.
Determine Your Coverage Levels
After you’ve nailed down what your state requires in terms of car insurance, you’ll need to figure out whether that amount is enough to cover you. Simply purchasing the bare minimum when it comes to auto insurance isn’t always enough in the event of an accident. But exactly how much car insurance do you need?
Many people struggle to determine what their coverage levels should be, which in turn makes it difficult to choose the right car insurance coverage. The answer varies from person to person, based on a number of factors such as your location, your car’s value, and even what other assets you have to protect. The bottom line is that car insurance policies often consist of multiple types of coverage. Some of these coverage types are required, while others are purely optional.
Two of the most important factors to consider when choosing an auto insurance policy are the assets you want to protect, as well as what car insurance premiums you can afford. You might consider speaking with an independent insurance agent about your insurance coverage. Independent agents aren’t affiliated with one particular insurance company, so they can help you make the final decision when it comes to choosing a policy to fit your needs.
Types of Car Insurance Coverage
An entire car insurance policy can be made up of a combination of multiple smaller policies or coverages. In general, you’ll see the following six types of auto insurance while you compare rates.
- Liability coverage: Most states require drivers to have liability coverage. The policy must adhere to the minimum coverage in the driver’s state. Generally, liability coverage consists of the following two parts.
- Bodily injury liability coverage: If you get into an at-fault accident and cause injury to another person, the bodily injury liability coverage will take care of their medical expenses.
- Property damage liability coverage: This component helps pay for any property damage that you cause in an accident.
- Uninsured and underinsured motorist coverage: Let’s say a driver hits you, and they either don’t have insurance or their insurance doesn’t cover your costs. Uninsured and underinsured motorist coverage helps cover your medical bills and vehicle repairs. Some states require this type of coverage.
- Comprehensive coverage: Comprehensive insurance covers certain types of damage to your vehicle. Examples of covered perils include theft, fires, and vandalism. Once you reach your deductible, this coverage will pay for vehicle repairs or replacement.
- Collision coverage: Comprehensive and collision coverage are usually optional, although some lenders or leaseholders may require them. Collision insurance covers repair or replacement costs for your vehicle if you get into a car accident with another vehicle, or if you hit a stationary object.
- Medical payments coverage: Some states require this form of coverage. If anyone in your vehicle sustains injuries in the accident, this coverage can help pay for hospital visits, medical tests, and medical procedures.
- Personal injury protection coverage: Some states require this form of coverage. Otherwise known as PIP, personal injury protection is not available in every state. It helps cover certain losses due to an accident, such as lost income, medical bills, and more.
Collect All Relevant Personal Information
Receiving an accurate auto insurance quote from online comparison tools requires you to have accurate information about yourself and your vehicle. Most car insurance companies will require the following information before they can give you a quote, so it’s best to have it ready before you start shopping around. Before you start comparing car insurance quotes, gather the following information.
- Your car insurance policy will reflect certain basic information about you. This includes your address, your full name as the policyholder, and your date of birth.
- Next, it will reflect information about your vehicle. You’ll need your VIN number (Vehicle Identification Number), the make, the model, the manufacturer year, current mileage, and a list of all safety features.
- Then, you need information about all the drivers who will be covered under your insurance policy. This includes driver’s license numbers, birth dates, and full names.
- Lastly, you need your current insurance information if you have it. This is helpful in maintaining your existing coverage if you’re not looking to change anything. It can also help form a baseline if you’re looking to supplement your existing coverage.
When you compare auto insurance rates, having all of this information handy allows you to ensure that the quotes you receive are as accurate as possible. This will not only help you save time, but it also helps you find the best auto insurance rates for your needs.
How Do I Get Free Car Insurance Quotes?
Nearly every major insurance company offers free online car insurance quotes. However, it can be very time-consuming and tiring to enter your information over and over for one quote at a time. Gathering car insurance rates from multiple sources is easy when you use online comparison tools like ours.
By using our Compare Insurance Quotes comparison tool, you can enter your information just one time to receive auto insurance quotes from multiple companies. After submitting your form with us, you can receive customized car insurance quotes in just a few minutes. We’ll help you efficiently determine which policies meet your needs so that you can spend more time doing the things you really love. Click below to enter your information and compare auto insurance quotes today.
Is It Safe to Get Car Insurance Quotes Online?
Absolutely! Getting car insurance quotes and even buying car insurance online are both just as safe as getting them from licensed insurance agents. It also saves you both time and money to compare car insurance costs this way. We’ll handle all the research while you go about your day. As soon as your car insurance quote comparisons are ready, we’ll send them straight to your inbox. We can even handle phone calls, paperwork, and policy renewals for you.
Why waste time speaking with each insurance company individually when you can get all the information you need from one source? Contact Compare Insurance Quotes today to find the best policy to suit your needs.
Is It Bad to Get Multiple Insurance Quotes?
Not at all. In fact, we actively encourage consumers to shop around before deciding on an insurance policy. After all, who doesn’t want the best deal possible when it comes to car insurance rates? Everyone has specific needs and a specific budget, so it’s important to find a policy that works for you financially.
Why Insurance Comparison Shopping Is So Important
Comparing car insurance quotes before deciding on a policy has many important benefits. Whether your priorities are saving money, saving time, or both, using an online comparison tool like ours is one of the best ways to find auto insurance rates that work for you. Below, we outline some of the biggest benefits of comparison shopping for car insurance.
- Reliably get affordable car insurance: If car insurance prices are the most important factor for you, online comparison tools are a great way to find the cheapest car insurance companies. Getting multiple quotes helps consumers decide on car insurance based on their bottom line, which for many people is the most important deciding factor.
- Use your knowledge of competitor pricing to negotiate better car insurance premiums: With the knowledge of other company rates at your disposal, you can keep insurance companies in check if they try to raise their rates on you. You can also get brokers and agents to offer more competitive rates by showing your knowledge of the market.
- Your car insurance rate may change after certain life events: Certain life events, such as marriage, birthdays, or adding a teenager to your policy can increase or decrease your rates significantly. When something significant changes in your life, it’s never a bad idea to compare rates. You may find that you’re eligible for a lower car insurance premium than before.
- Checking your car insurance rate annually could save you money: Many people already check their rates annually to determine whether they want to stick with their current plan or try a new insurance company. If you compare rates annually, you may find that certain auto insurance providers offer cheaper options than your current provider.
What Is the Cheapest Car Insurance?
At Compare Insurance Quotes, we understand the desire to save money wherever possible. This is one of the biggest benefits when it comes to comparison shopping for car insurance. One insurance company may charge more than $250 a month for the same policy that another company offers for under $50 a month.
While it makes sense that larger companies (like State Farm or USAA) can afford to have competitive rates across the board, some smaller companies offer much better rates in an effort to compete with national providers. Therefore, what may be the cheapest insurance company in one state might not be the cheapest one in another state. This same principle even applies to the local levels. Let’s say you live in the largest city in your state. Your rates may be much higher than someone who lives and works in a smaller town.
The best way to determine the cheapest car insurance for your situation is to request multiple quotes from multiple insurance companies. Take into account the type of coverage you’re looking for prior to requesting quotes. This helps ensure that you get multiple car insurance quotes for the plans you’re actually looking to purchase.
Comparing Car Insurance Rates on Specific Factors
Compare Car Insurance Quotes by Company
Many auto insurance companies are known for lower or higher rates in certain areas. Additionally, some companies offer better liability coverage, comprehensive coverage, or even uninsured motorist coverage. Full coverage car insurance in one state may be only half as expensive as coverage in another state. To compare the car insurance average cost by age, visit our related page to see a full list of age groups.
Compare Car Insurance Quotes by Company Reputation
Along with insurance rates, it’s important to compare multiple companies based on their reputations. If you’d rather pay a little extra for excellent customer service, this is an important factor to analyze. We recommend doing a deep dive on your top choices and reading up on customer reviews from trusted sites. The National Association of Insurance Commissioners actually allows consumers to analyze the most common complaints that are filed against certain insurance companies. This helpful tool, plus our in-depth company reviews at Compare Insurance Quotes, are sure to give you enough insight to make your final decision.
Compare Car Insurance Quotes by Gender
Average annual car insurance rates can vary pretty significantly for men and women in certain age groups. Based on our findings, it mostly depends on age whether men or women will pay more for their insurance policies. In general, young men pay significantly more for car insurance than young women. As they approach age 25, men begin to pay less for insurance. Men and women around age 25 usually pay around the same amount for insurance.
However, when women turn 35, their average rates increase slightly. Although there is no concrete answer as to why, some states have begun to disregard gender as a factor when it comes to auto insurance rate comparisons. Currently, the following 7 states have codified laws that prevent using gender as a justification for higher car insurance rates.
- North Carolina
Compare Car Insurance Rates by Age
When searching for minimum or full coverage car insurance, you may find that the younger you are, the higher your premiums. In fact, drivers who are 20 years old or younger can pay as much as double that of a 30-year-old driver with a similar driving history. Two main reasons for this are inexperience and a higher rate of accidents.
Younger drivers have less experience on the road, which may lead to poor decisions or less refined driving ability. While it is true that some young drivers are very safe and some older drivers are less safe, insurance companies base their rates on statistics and formulas. They’re simply giving rates based on probability. Secondly, certain studies show that younger drivers are much more likely to be involved in a car accident. This likely stems from their inexperience.
Some states now have laws barring age-based insurance rates, but this may not lower your payments by very much. Instead of basing rates on age, companies could instead base their rates partially on driving experience. This means that newer drivers are likely to see higher rates.
Car Insurance Comparison by Driving History
It should come as no surprise that your driving history plays a significant role in car insurance quote comparison. If you have a clean driving record, you’re more likely to receive a lower rate than someone who has a lengthy driving record. It’s standard practice for most insurance companies to increase their premiums after an accident or a traffic violation, but the rate of the increase usually varies from company to company. Below, we outline some common driving record mishaps that could potentially raise your rates.
Compare Car Insurance Rates for Drivers with a Speeding Ticket
Even the most minor of traffic violations can raise your insurance rates. They can also make the process of finding affordable car insurance much more difficult. Even a first offense speeding ticket can raise your premiums by several hundred dollars a year. Speeding tickets, moving violations, and other citations all contribute to how “risky” you are to an insurance provider. With a higher number of speeding tickets and traffic violations, you can expect higher premiums.
Compare Minimum and Full Coverage Rates for Drivers with an Accident
If you get into an at-fault accident and cause property damage to another vehicle, we can almost guarantee that you’ll see an increase in your car insurance rates. In fact, many insurance companies raise your rates for as long as 3 years after the accident. However, it’s important to research which insurance companies are the most punishing when it comes to rate increases after an accident.
Compare Car Insurance Rates for Drivers with a DUI
Perhaps the most expensive traffic violation is receiving a DUI or DWI conviction. Some states even keep these convictions on your driving record for up to 10 years. As with other traffic violations, some insurance providers penalize drivers with a DUI conviction more heavily than others. If you’re switching up your insurance policy with a DUI on your record, we highly recommend doing your research on which provider is right for you.
Compare Car Insurance Rates by Credit Score
Another contributing factor to insurance rates that many people forget about is credit scores. Many people don’t understand the connection between insurance rates and credit scores. However, credit scores and insurance premiums actually have something in common. They are both an assessment of someone’s risk. Credit scores aim to give lenders an idea of how likely they are to pay back their loans on time. When someone has a poor credit score, lenders see this as a sign that they might have trouble paying, so they charge higher interest rates.
Similarly to poor credit, a tarnished driving history raises a red flag for insurance providers. The worse your driving history looks, the more likely they are to raise your rates. Therefore, insurance companies often look at credit history when calculating rates.
Compare Car Insurance Rates for Drivers with Poor Credit Scores
With a poor credit score, many things in life become significantly more difficult. This includes applying for housing, personal loans, buying a car or home, and even finding affordable insurance. Drivers with poor credit (around 300-550) can expect to pay a few hundred more each year than drivers with excellent credit (around 750-800). However, certain insurance providers are more forgiving when it comes to insurance rates for those with bad credit.
Comparing Multiple Quotes
The lowest price does not mean inferior coverage, nor is it always the best choice. Compare Insurance Quotes will help you understand what you are getting with each company, and how to determine what you need based on your individual risk.
Many companies offer prepayment discounts that can lower the cost of your premium. The amount of coverage and the amount of the deductible can also be adjusted to lower your monthly premium. Be aware, however, this can mean higher out-of-pocket expenses when you have a claim.
Sound confusing? Don’t worry. We’re here to help.
How Do I Choose the Right Coverage Types?
When people compare car insurance rates, one of the most stressful parts of the process is figuring out exactly what coverage they need. Currently, 48 of the 50 states require some form of auto insurance, excluding Virginia and New Hampshire. It’s important to understand what kind of coverage you need before you compare car insurance rates.
First, determine what the required minimum coverage is for your state. Most states require liability insurance, so it’s a good idea to assume that you’ll need it. Some states also require uninsured and underinsured motorist coverage, collision coverage, and comprehensive coverage. Luckily, we have written car insurance guides that extensively cover how to save money when choosing your coverage types.
Here’s one way of looking at your coverage. Can you afford to pay for basic coverage? Can you afford to pay for the damages after a serious accident without coverage? Most people can afford their state’s minimum insurance requirements, but not the cost of an accident. Owning a car, leasing a car, or driving someone else’s car are all signals that auto insurance is a good idea for you to have.
Compare Car Insurance Quotes Online Today!
At Compare Insurance Quotes, we help consumers find the right auto insurance quote to meet their needs. As consumers ourselves, we understand how frustrating and tiring it can be to spend days trying to find the right insurance for your vehicle or your home. That’s why we’ve created a quote comparison tool to cut out unnecessary time and effort. In just a few minutes, we can gather the necessary information from you and compare dozens of insurance providers and coverage options based on your demographics, then send a comprehensive outline straight to your inbox. If you’re looking for auto, home, life, or health insurance quotes, we’re here to make your life a little easier. Simply fill out the form below to get started.