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What are car insurance quotes?

FREE Auto Insurance Comparison

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Compare quotes from the top auto insurance companies and save!

Here's what you need to know...
  • Car insurance quotes tell you what insurance carriers charge for specific policies
  • The quotes are calculated using a formula developed by the specific insurance company
  • Different insurance companies use different formulas to calculate risk, which helps determine your policy price
  • An auto insurance comparison tool can show you the prices and details of several different policies at one time
  • You can usually purchase your new policy online

When you shop for car insurance, it is imperative that you take the time to get quotes from several different car insurance companies.

Since auto insurance carriers use different formulas to calculate risk, their premium amounts may differ, which means you could find the exact same policy cheaper with a different carrier.

The best way to make sure you get the best deal is to use a comparison tool. Enter your zip code above and receive a FREE comparison!

An Overview of Car Insurance Quotes

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To get multiple car insurance quotes quickly, you can use an auto insurance comparison tool.

These online tools take your information and car insurance needs and compare them to available policies with other insurance carriers.

The tool then returns the results with the policy details and the prices of each policy.

Some states, like New Jersey, offer car insurance purchasers examples of car insurance quotes so that they understand the basic dynamics of the quote before they shop.

These example quotes show various scenarios, including gender, age, and marital status, which can be helpful so that you know how to read the quote before you shop.

How to Use a Comparison Quote Tool

The information you need in order to get your car insurance quote from a comparison tool will vary according to your state’s insurance laws and regulations and the specific tool.

However, most quote tools will ask for:

  • The physical location of where you park your car at night
  • Your age, gender, and marital status
  • The make, model, and year of your car as well as the VIN
  • How many miles you drive on average
  • Your driving history
  • Any recent accidents
  • The number of drivers to be insured on the policy and their ages and genders
  • Any safety features on your car
  • The type of insurance policy you need
  • Your desired deductible amount if needed

Once you input all your information, the tool will return several car insurance quotes from multiple insurance carriers.

It is up to you to read through each policy and decide which one best meets your needs.

Once you choose a policy from the comparison tool results, you can purchase it online.

Benefits of Getting Car Insurance Quotes

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There are several benefits of getting multiple quotes for car insurance. One of the biggest reasons is because you want to get the most car insurance for your money.

Other reasons include:

  • Lowering your monthly premium
  • Getting a better insurance policy for the same amount you are currently paying
  • Finding a company that offers lower or higher deductibles
  • Locating an insurance company with a better rating or better customer service

FREE Auto Insurance Comparison

Compare quotes from the top auto insurance companies and save!

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Mistakes to Avoid When Purchasing Car Insurance

When you review your car insurance quotes, pay attention to more than the policy price.

Otherwise, the car insurance may leave you under-insured or not with the insurance you thought you were purchasing.

  • Always get more than one quote
  • Always look at the coverage amounts and make sure they meet your needs
  • Do not lie or commit fraud on your application
  • Make sure you understand the details of the policy before you make a purchase
  • Research the insurance company and look at online reviews
  • Think twice before purchasing a state minimum insurance policy

Purchasing a Policy After Getting a Quote

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Once you have thoroughly reviewed each quote and researched each insurance company, it is time to purchase a policy.

In general, you should purchase the policy that best meets your needs and your personal finance budget.

Most insurance companies allow you to purchase policies online with your check card or credit card.

All you have to do is enter your credit card number along with the expiration date and your address.

Once the transaction is accepted, you should see a screen that allows you to print out a set of temporary insurance cards and the information about your new policy.

Your new insurance company should send your permanent cards and your policy’s official information in a week or two.

Find affordable car insurance rates right now. Enter your ZIP code in the FREE quote tool on this page!

FREE Auto Insurance Comparison

Compare quotes from the top auto insurance companies and save!

 Secured with SHA-256 Encryption

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