Obtaining a Free Auto Insurance Comparison

Online auto insurance comparison sites make finding auto insurance easy. You can compare quotes from the top auto insurance companies and save up to $859.

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

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Reviewed by Daniel Walker
Licensed Auto Insurance Agent

UPDATED: Nov 5, 2021

Advertiser Disclosure

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.

Here's what you need to know...

  • Comparing auto insurance quotes is an excellent opportunity to save money
  • There are two different types of quotes; primary and personalized
  • Your driving record plays a major role in determining monthly premiums

A chance to save money that comes freely and quickly is a dream. That’s pretty much what every consumer gets when they go looking for auto insurance these days.

Going online to compare auto insurance quotes makes for an excellent opportunity to save money while finding the best insurance to fulfill today’s needs.

Use the FREE search tool above by entering your zip code above. You will have instant quotes from multiple auto insurance companies.

The Auto Insurance Comparison Process

The starting point is not too far from the finish line where quote comparisons are concerned. It is straightforward. There are two kinds of quotes:

There are two kinds of quotes:

  • Preliminary
  • Personalized

The first kind of quote involves simple and basic information. It usually does not include such huge factors such as your driving history or insurance claim history.

It’s a basic idea of how much it costs to insure a car in your region. Maybe, just maybe it will take into account whether you are male or female.

Otherwise, the personalized quote that comes after the preliminary has more accurate and realistic numbers attached to it.

The personalized quotes take into account such factors as:

  • Driving history
  • Age
  • Gender
  • How far you drive
  • Where you drive
  • Where you park
  • Demographics and driving history of all insured individuals on your policy
  • Safety and security record of your vehicles
  • Safety and security of cars in your neighborhood
  • Whether you have alarms, on-board monitoring systems or recovery systems


Free Auto Insurance Comparison

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

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Saving Money in the Process

Another advantage consumers enjoy while enduring the drudgery of shopping for car insurance is the chance to add on additional savings. Saving money is the aim of the game.

When people can save a few hundred dollars for say 20 minutes worth of work, it’s worth it for almost anyone to perform a free auto insurance comparison every time their policy comes up for renewal.

These days, the opportunity to save arises every six months. Car insurance carriers used to have annual plans but dropped that option midway through the past decade.

Ways to save money include:

  • Take safe driving or defensive driving classes
  • Shop around for policies separately and together for all drivers in your household. Sometimes putting your adolescent on their own policy is actually much more affordable.
  • When it’s time, remove collision and comprehensive coverage. You will know when to do this because the deductibles and lines of coverage for these options will cost more than the value of your car.

When Buying Another Car

Beyond renewal time, another great time to look at insurance rates is before you agree to buy another car. You might be very fortunate and not even know it. Considering swapping a newer car for an older Honda?

Watch out, because thieves eye some of those old Honda’s for parts.

They fetch a lot of money for those parts, which means your insurance goes up more than you might think.

Though, you might also find that the cost of insuring the rest of a newer vehicle by comparison — computers and electronic gadgets — actually makes the newest cars more costly to insure.

Understanding How Different cars Rank According to Carriers

You might end up wasting a few hours studying the rates of different types of cars. It is somewhat fascinating and frustrating to find out that the car you are eyeing costs considerably more to insure.

The best way to work with such a situation is to understand what makes one car cost less to insure than another.

The actuaries at the insurance companies work through the statistics of different cars to come up with the car insurance rates.

For those of you still scratching your heads about the phenomenon of older cars getting stolen, consider that newer luxury vehicles are still much more expensive to insure.

Some newer luxury vehicles are often sought after by thieves just for their desirability. Add expensive computers and gadgets that are imported and the car insurance rates skyrocket.

Exotic cars have exotic parts and usually require specialized mechanics and body shop technicians who can successfully fix and repair foreign beauties.

Yes, that means higher insurance rates. If the car is popular in addition to having expensive parts, it means that rates go up even more.

Free Auto Insurance Comparison

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

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Making Free Side-by-Side Insurance Comparisons

Getting back to insurance comparisons here. Comparisons have the distinct advantage of offering the chance to take details of every plan into account with respect to all offers.

For that reason, try deciding the coverage you need even before exploring the results of your free quotes.

This way you can easily discard obvious inept options for your next car insurance policy.

Then, you may focus your energy on deciding among more relevant car insurance carriers and the policies that they are suggesting for you.

Determine what kinds of rates you expect to pay and how much you can afford to pay at one time for car insurance.

Often, you will have to pay more in payment fees for the insurer to process multiple payments over six months rather than just one payment.

Research the Carriers

What many consumers do not know can cause them a great deal of harm and headaches in the long run. Instead, be a proactive consumer who does your research about the auto insurers who show up in your rate comparisons.

In addition, their credit ratings alert you to financial solvency for your car insurer. If they are solvent, then they can pay out insurance benefits.

It does not mean that they will part easily with their money, even if you diligently hold up your part of the contract.

Make it a point to look at what other customers say about each auto insurance company’s claims process.

That will tell you whether you should shy away from one insurer and steer toward another finding free car insurance quotes and making comparisons is quick and easy.

Make it a point to use the Internet to make such searches whenever you move, buy or sell a car, or add or remove other drivers from your policy. Be sure to make comparisons at least twice a year to maximize savings too.

Just enter your zip code into the FREE search tool below to start comparing now!


  1. https://www.21st.com/auto-insurance-information/understanding-car-insurance-deductibles.htm
  2. https://www.usaa.com/inet/wc/advice-auto-lowerautoinsurance?akredirect=true
  3. https://www.honda.com/
  4. https://www.consumerreports.org/cro/car-insurance/credit-scores-affect-auto-insurance-rates/index.htm
  5. https://www.carinsurancecomparison.com/

Free Auto Insurance Comparison

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

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