Mathew B. Sims is Editor-in-Chief and has authored, edited, and contributed to several books. He has been working in the insurance industry ensuring content is accurate for consumers who are searching for the best policies and rates. He has also been featured on sites like UpJourney.

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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 Reviews.com and Safeco. He reviews content, ensuring that exis...

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Reviewed by Daniel Walker
Licensed Auto Insurance Agent

UPDATED: Sep 11, 2020

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Things to remember...

  • One place to request auto insurance rate quotes is directly from an auto insurance company
  • Another source for auto insurance rate quotes is an independent insurance broker
  • One advantage to working with an insurance broker is that they can help you understand your insurance needs and make recommendations on ways to lower your rates

Wondering how do I ask an auto insurance company for quotes? Auto insurance is mandatory is most states. It provides financial protection for you and your property if you are involved in a car accident.

However, it is important that you understand the basic types of auto insurance coverage in order to know what an auto insurance quote really means.

A request for insurance quotations is a great way to make the right decision about which policy to buy.

Enter your zip code into our auto insurance comparison tool above to find affordable auto insurance quotes.

How to Get Auto Insurance Quotes

When you ask and receive quotes, it is important to compare the same type of insurance, the same level of insurance, and the same deductible levels between insurance companies when you shop for cheap auto insurance.

You should never have to pay for a request for insurance quotations from an auto insurance company, and when you are shopping for auto insurance, you should compare at least three quotes before you make a purchase decision.

When you receive a quote for auto insurance rates, it is based on basic information you provide. When you submit your application for insurance, it is sent to the underwriting department of the insurance company.

There, it is processed, including running a credit report and a driving report.

Your credit impacts your auto insurance rates, so your insurance premium rate will probably increase if you have poor credit. You should receive a notification by mail if this occurs and your future payments will be adjusted.

What are company vs Broker quotes?

One place to request auto insurance rate quotes is directly from an auto insurance company. You can accomplish this by going to the company website, where you will find information about the company and what products and services they offer.

In most cases, you can ask for quotes directly on the website. You can also call an insurance company and talk to them about your insurance needs and request a rate quote.

Another source for auto insurance rate quotes is an independent insurance broker. What is the difference between an auto insurance company vs broker? Almost all independent brokers represent multiple companies, so they are able to provide you with several quotes to compare in their quotation comparison letter. An auto insurance company will only provide you with one quote for its company.

One advantage to working with an insurance broker and getting auto insurance broker quotes is that brokers can help you understand your insurance needs and make recommendations on ways to lower your rates.

What are auto insurance comparison websites?

You can also receive multiple auto insurance quotes if you visit an insurance comparison website and ask for auto insurance quotes by filling out a form.

Insurance comparison websites contract with insurance agents and companies for the ability to provide rate quotes when requested by consumers.

You will only need to enter your basic information one time to receive several quotes.

The car quotation letter samples may be on the website itself, or via email or telephone contact.

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Types of Auto Insurance on Quotes

When you request auto insurance quotes, there are many different kinds of auto insurance you can chose from. Each provides a different type of protection for you and your property.

The foundational idea behind any insurance is that it provides you with protection from losses and potential lawsuits.

If you are involved in an accident and do not have enough insurance to pay for related expenses and you are responsible for the accident, your assets may be vulnerable to a lawsuit to recover those losses.

What is liability insurance?

Liability auto insurance is the insurance that most people carry for their car. The Insurance Information Institute’s (III) list of insurance requirements by state shows that liability auto insurance is mandatory insurance in 47 states.

You must show proof of insurance when you register your car or if you are stopped for a traffic violation. What is liability auto insurance coverage?

Liability insurance pays for damages to the other person’s property or injuries if you are responsible for the accident.

It does not pay for damage to your property. It also does not pay for treatment for injuries your passengers or you receive. About how much should you be paying for liability insurance? Take a look at the table below to see what the average rate is in your state.

U.S. Average Annual Liability Auto Insurance Rates by State
StatesAverage Annual Liability Rates
North Dakota$298.18
Iowa$299.18
South Dakota$300.22
Wyoming$321.04
Maine$338.87
Vermont$343.12
Idaho$344.29
Kansas$358.24
North Carolina$359.42
Nebraska$364.64
Wisconsin$374.37
Indiana$382.68
Montana$386.29
Arkansas$394.13
Alabama$394.21
Ohio$397.11
New Hampshire$400.56
Tennessee$413.91
Missouri$415.88
Virginia$425.61
Illinois$446.72
Minnesota$456.82
Hawaii$458.54
Mississippi$460.50
Oklahoma$461.01
New Mexico$488.03
California$489.66
West Virginia$491.83
Utah$497.53
Pennsylvania$499.06
Arizona$508.76
Colorado$520.04
South Carolina$527.09
Texas$528.75
Kentucky$529.21
Countrywide$538.73
Alaska$539.68
Georgia$557.38
Oregon$584.13
Washington$596.67
Massachusetts$606.04
Maryland$609.74
District of Columbia$628.82
Connecticut$650.94
Nevada$681.56
Rhode Island$759.80
Louisiana$775.83
Michigan$795.32
Delaware$799.30
New York$804.51
Florida$857.64
New Jersey$869.57
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Mandatory liability insurance coverage levels are very low and usually inadequate to pay for the costs associated with even minor accidents. As a result, it is a good idea to purchase additional liability auto insurance if at all possible.

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What are collision and comprehensive coverage?

Collision insurance is not legally mandatory, but if your car is leased or financed, your lender will require you to purchase it. Collision auto insurance pays for damages to your car if it is involved in an accident.

Accidents can include hitting other vehicles, buildings, and fences. Additionally, collision covers damages to your car regardless of who is driving it. It also pays for damages that are the result of a hit and run accident.

Comprehensive auto insurance is another form of insurance that you will be required to buy if your car is leased or financed. It is not required by law. Comprehensive insurance pays for damages to your car that are the result of events other than a collision.

Examples of damages covered under comprehensive insurance include hail storm damage, flood or fire damage, and damage that is the result of hitting an animal.

What is personal injury protection?

Personal injury protection is mandatory additional auto insurance in 14 states. It is also referred to as “no fault” insurance, PIP and “medical expense” auto coverage.

Personal injury protection pays for medical expenses regardless of who is responsible for causing the accident.

In addition to paying for doctor visits, hospital stays and medical treatment, it is also applied to rehabilitation services, lost wages and legal expenses related to the accident.

When you request a quote for auto insurance premium rates, it is important to understand exactly what kind of insurance will provide you with the best financial protection possible.

When you are buying insurance, you should buy enough auto coverage to pay for potential costs related to an accident.

For the best rates, compare quotes from a minimum of three companies before making a purchasing decision. Enter your zip code below into our auto insurance comparison tool to get a quote for auto insurance now.