How to Obtain Quotes for Auto Insurance

Do you need quotes for auto insurance? Drivers with a good record can expect to pay around $118/mo. for auto insurance on average in the U.S.

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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...

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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...

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Reviewed byDaniel Walker
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UPDATED: Apr 24, 2020

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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...
  • Insurance companies change rates periodically because of their particular experience in an area and the judgment of their accountants and underwriters
  • Most independent insurance agents represent several companies and are able to give you quotations from different ones
  • Check to see if there are any discounts available for you
  • Even so, economically it can be advantageous to get new insurance quotations to compare prices for your car insurance at least every other year


Comparison-shopping for automobile insurance every few years can be a boon to your budget.

Insurance companies change rates periodically because of their particular experience in an area and the judgment of their accountants and underwriters.

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Information Needed to Get a Car Insurance Quotation

 

There are many ways to obtain car insurance quotations. Gather the following information that you’ll need before starting:

  • Your current premiums: monthly, every six months, annually
  • Your current limits of liability; a copy of your policy front page will help
  • The deductibles you have for damage to your own property: comprehensive and collision
  • Name and address of the company with whom you finance your car
  • When your current policy expires
  • Names, dates of birth, drivers license numbers, and driving record for all drivers of your vehicles as well as their relationship to you
  • Make, model, and VIN number of all the cars and trucks you own

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First Option for Getting an Insurance Quote

Go to your local independent insurance agent with the information you have available and request a variety of quotes from them.

Most independent insurance agents represent several companies and are able to give you quotations from different ones. The advantages of doing this are as follows:

  • Your quotation comes with the recommendation of someone you know and trust
  • You will have the choice of two or three different insurance companies
  • If you have a claim, you can contact your local insurance agent
  • The agent will do the work of searching for you

Second Option for Getting Insurance Quotations

If you have a computer and Internet access available, you can load your favorite search engine and enter “insurance quotations” in the search bar. You will get quite a few entries under this category.

If you’re aware of what companies you want to get quotes from, you can click on the company’s website and find an area to request a quote.

Take the information you have collected and type it into the spaces provided.

After you’ve finished keying in the information, ordinarily you will have a quotation within a few minutes. You may obtain different quotations by varying coverage options such as changing deductibles for physical damage to your car.

Advantages of obtaining insurance quotes online:

  • Wider variety of insurance companies
  • Paperless or near-paperless interaction with your chosen insurance company
  • Ease of comparing the price effect of varying coverages
  • Immediate acquisition of new insurance coverage

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Why Should I Get New Insurance Quotes?

Ordinarily, consumers stay with the same insurance company for years, thinking that price increases or variations are normal. Consumers have little contact with their companies other than paying for insurance on a regular basis.

Sometimes a loss covered by insurance occurs, though, and you have intimate contact with the insurance company through their claims process.

At that point, most policyholders develop definite ideas about their insurance company based upon how they view the process.

Even so, economically it can be advantageous to get new insurance quotations to compare prices for your car insurance at least every other year. Reasons for getting new insurance quotes can be:

  • Moving to a new area
  • Changing the way you use your vehicle
  • Recently licensed teen driver(s)
  • Changes in your marital status

If you move, for example, from Washington, DC to Montana, you will discover a major drop in insurance premiums.

This is partially because the average insurance customer in Washington, DC has an accident every 4.5 years, whereas Montanans’ have accidents usually no more often than every ten years.

For some reason, married people have fewer automobile accidents than those who are unmarried. The distance you drive to work affects your possibility of having an accident.

Teen drivers typically have sharp reflexes, but they do not have the experience with driving necessary to use good judgment.

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Possible Discounts

Insurance companies offer discounts in special circumstances that may have arisen since you last purchased your insurance:

  • Safe driver discounts
  • Good student discounts
  • Distant student discount
  • Defensive driving courses
  • Multi-car discounts
  • Package discounts-bundling car and home
  • Anti-theft devices
  • Passive restraint devices
  • Military discounts
  • Occupational credits
  • Low mileage credit
  • Loyalty credit

You and your current insurance company may not have considered some of these discounts since it is easy to become complacent and not examine coverage and discounts.

Choosing the Best Coverage

Automobile insurance is a necessity for driving a vehicle because all states require drivers to have at least liability coverage. Some require proof of insurance each year when tax assessments are paid on the vehicle.

Others require verification by signature. All require proof of insurance when requested by an officer of the law at a routine traffic stop or stop for cause.

Insurance represents a significant cost for most households. Due diligence as a consumer requires that we examine the coverage and cost at least once a year to assure ourselves that we are getting the best bargain.

Careful use of our money does not indicate that we are obsessed with material gain, it rather indicates that we are aware of the need to conserve the resources we earn and save.

Schedule an examination of your insurance policies as part of your overall financial plan.

Simply enter your ZIP code into the FREE comparison tool on this page to get started!

FREE Auto Insurance Comparison

Compare quotes from the top auto insurance companies and save!

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