A quick guide to comparing car insurance
Use our online quote comparison tool to save you time and money. Discounts, coverages, and deductibles are all taken into account when we show you quotes from multiple carriers all on one page.
- Compare car insurance companies. Get at least three quotes, and consider financial ratings and complaint ratios.
- Use up-to-date-information to account for life changes. Events in your life such as moving or marriage will greatly affect what you pay. To buy, have your vehicle and driver’s license information handy.
- Compare coverages and limits. Make sure the types of coverage and their limits fit your needs and do what insurance has to do: Shield you from financial upheaval. Then compare quotes apples to apples.
- Experiment with deductibles. If you have savings to cover them, raising deductibles is an easy way to affect your rates. You should be able to easily get quotes at each deductible level.
- Consider potential for big discounts. Some big savings potential from bundling home and auto policies or enrolling in pay-per-mile plans may not be apparent at first.
- Compare payment plans. Look for discounts when you can pay in full. Expect fees if you make payments. Consider what types of payment an insurer will accept.
- Read the fine print. Look for limitations on who can drive your car and when your coverage is extended to rental cars or new cars.
We have great tips on how to compare car insurance companies, so check it out.
In your state there are probably several hundred more carriers to choose from. Here's a list of car insurance companies we work with that are in your area and beyond. The more flaws you have in your risk profile, the more likely you’ll find that rates from different companies vary significantly – sometimes by thousands of dollars. In fact, many top-tier car insurance companies don’t insure higher-risk drivers – those who need an SR-22 filing, for example, or who are under age 25 – but instead direct those clients to their subsidiaries.
We suggest you compare at least three companies, along with looking at a renewal from your current insurer. You can find customer ratings, details on discounts and contact information for most top car insurance companies on our site.
Compare using up-to-date information
If there have been changes in your life since the last time you shopped around, make sure they are reflected in your new quotes.
For example, getting car insurance after marriage or buying a house usually mean cheaper rates, because married people and homeowners tend to file fewer claims. You may have added a teen driver to the household. Or you may have moved to a new ZIP code, which can change what you pay radically.
Comparing car insurance quotes usually requires only the information you have in your head: Your name, address, make and model of car, previous insurance history and a timeline of past claims and violations.
When you find a quote on a policy you like, you’ll need more specific information to actually buy it.
We recommend you have handy your car’s vehicle identification number (VIN), your driver’s license number and those of any other drivers on the policy.
Compare coverage and limits apples-to-apples
Make sure each car insurance quote you compare is for the same type and amount of coverage.
A good way to start is with your current policy’s declarations page, which lists the types of coverage you have, your deductibles and limits and your premiums you pay for each.
- Ask yourself if the liability insurance limits you chose would still protect your home, savings and other assets if you were at fault in an accident. If you own very little, you don’t need high limits. If you’ve gotten married, bought a house or built a nest egg, you need more.
- Ask yourself if you still need comprehensive and collision – “full coverage” -- to repair or replace the car. At a certain point the premiums you pay would be better put toward saving for a replacement.
- Ask yourself how you would pay for treatment if you were injured in an accident that is your fault. If you do not have health insurance, consider adding some kind of medical coverage. If you have health insurance, consider whether you have the savings to pay for deductibles and co-pays, and whether the passengers you routinely carry have health insurance as well.
- Ask yourself what would happen if an uninsured motorist totaled your car or put you in the hospital. Uninsured motorist bodily injury and uninsured motorist property damage are two very different coverages, and not all states require them. We recommend getting uninsured motorist coverage so you're protected against such instances.