Does an affordable online auto insurance quote accurately reflect my options?

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Leslie Kasperowicz holds a BA in Social Sciences from the University of Winnipeg. She spent several years as a Farmers Insurance CSR, gaining a solid understanding of insurance products including home, life, auto, and commercial and working directly with insurance customers to understand their needs. She has since used that knowledge in her more than ten years as a writer, largely in the insuranc...

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Dan Walker graduated with a BS in Administrative Management in 2005 and has been working in his family’s insurance agency, FCI Agency, for 15 years (BBB A+). He is licensed as an agent to write property and casualty insurance, including home, auto, umbrella, and dwelling fire insurance. He’s also been featured on sites like and Safeco. He reviews content, ensuring that ex...

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Reviewed by Daniel Walker
Licensed Auto Insurance Agent

UPDATED: Oct 26, 2021

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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 auto insurance decisions. Comparison shopping should be easy. We are not affiliated with any one auto insurance provider and cannot guarantee quotes from any single provider. Our partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different companies please enter your ZIP code on this page 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.

Things to Remember...

  • Your credit score, driving record and even where you live all play a role in your insurance premiums
  • If you have accidents, you are going to have a higher rate and will need a high-risk auto insurance company
  • Going online to compare your car insurance discounts and options may also show you policies with more discounts

Purchasing car insurance can be an adventure if you don’t know what you are doing. There are so many variables when it comes to getting a quote. Different drivers will be priced differently depending on their situation.

Driving record, credit score, and other factors will be used to determine how much you have to pay. Does your online quote accurately reflect your auto insurance company options?

Enter your ZIP code above into our FREE auto insurance comparison tool to find online quotes from real companies that are available to you now!

Your Online Quote Is the Same as Any Other Quote


The quotes that you get from an online source are going to be roughly the same as they would be anywhere else. Auto insurance companies use a credit score and are still taking the same information from you as they would if you called them.

This means that your quote will coincide with your driving record.

If you have accidents, you are going to have a higher rate and will need a high-risk auto insurance company. Drivers with poor credit scores are also going to have their rates pushed higher because of this.


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Online Comparison Gives You More Options

Going online to compare rate quotes will increase your options when it comes to insurance providers, which may be the one advantage you have when buying insurance online. You could very well luck out with a quote that could only have been provided to you online.

An insurance provider that only offers insurance quotes online could be willing to overlook those accidents you had last year.

Maybe that company is willing to look past the multiple traffic tickets you got six months ago.

Increasing your options should get you a rate you are comfortable with. You might want to go with a local company that offers rate quotes online.

Companies in your hometown may have special offers that national chains do not have. Conversely, local branches of a national company may also have special rates depending on where you drive your car.

Not All Companies Offer the Same Discounts


Going online to compare your insurance options may also show you policies with more discounts. A given insurance provider may decide you do not qualify for a safe driver discount.

However, another company may decide that they will give you that discount.

The amount of time you need between accidents to qualify for a safe driver discount may vary as well. Some companies prefer at least five years of safe driving.

Going online to search for auto insurance will most likely find you a company that has looser restrictions when it comes to length of time between violations.

Will your quote be accurate?

Insurance companies may provide you with only a tentative quote when you apply online. You might get a quote that takes into account only the amount of insurance you wish to purchase.

For example, you may be quoted $60 for a policy that does not include comprehensive or collision insurance.

That quote may be significantly higher once you go to purchase that policy. This is because your quote may not have included your unique driving record.

Your age, location, coverage levels and type of car may have been the only things considered. Your driving record and other risk factors may not have been priced in yet.

Do not be surprised if you are charged more than you were quoted online. For example, you may find that a $60 policy may cost you $70 a month. This is something that many insurance companies do.

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

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Your Situation Is Always Reflected by What You Are Offered


Any policy you are offered is going to be a legitimate one. There is no such thing as a fake quote when you shop for insurance online. An insurance company that offers you coverage for $60 a month is not going to be able to rescind that offer once you go ahead and purchase the policy.

All discounts and other reductions in price are also going to be an accurate reflection of your driving record.

Using a bait-and-switch tactic on a customer is wrong and illegal. This means that the coverage you purchase is the coverage that you are going to get. This is why it is so important to shop around when looking for auto insurance.

Do not hesitate to buy your next insurance policy online. The quotes you get are going to be the same whether you buy online or offline. What you should do is take steps to clean up your driving record if you are not happy with it.

Take defensive driving courses to get discounts on your next policy. Cleaning up your credit score can help you out as well.

Lowering your risk to insurance companies is how you save money on car insurance no matter where you buy it. All these factors are taken into account when you get a FREE online quote by entering your ZIP code below



Free Auto Insurance Comparison

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

 Secured with SHA-256 Encryption