Where can I get an instant auto insurance estimate?

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Things to Remember...
  • They’re called estimates because insurance companies have to complete investigative reports such as credit checks, drivers license and record examinations, and database searches before actually binding coverage and issuing a policy
  • When examining insurance quotes, it is necessary to make certain that you’re comparing the same coverage, vehicles, and circumstances
  • If you are in the process of checking estimates for car insurance, take a bit of extra time and look at the difference in price among levels of liability
  • To protect yourself, examine the company’s reputation an independent insurance review website and ask your friends and family about the insurance company

Quick, if not exactly instant, car insurance estimates are available online. They’re called estimates because insurance companies have to complete investigative reports such as credit checks, drivers license and record examinations, and database searches before actually binding coverage and issuing a policy.

Be sure to use the FREE comparison tool located at the top of this page to instantly compare auto insurance quotes. Simply enter your ZIP code to get started!

Follow the Process

Here is the process for getting a car insurance quote estimate for car insurance:

Collect the following information

  • Full names and dates of birth for everyone who drives your automobiles
  • Drivers’ license numbers for everyone, including the state in which they were issued
  • Driving records for each driver – include any violations
  • List of automobile insurance claims you have had in the last five years, along with an estimate of the amount paid by the insurance company
  • Make and model of all the vehicles you own; you will need the Vehicle Identification Numbers for each vehicle to get a policy issued
  • Insurance coverage you desire on your vehicles. A copy of your insurance policy will help you determine what limits you have been carrying

Enter “insurance quotes” in the search engine of your computer

Groups of advertisements for insurance companies will appear on your screen with a great many names available.

Look in the list of available companies until you find a listing for websites that do not include an individual insurance company.

Choosing a website that is not directly related to a particular insurance company will expedite the process of obtaining estimates for your insurance because these websites do not require entering your information two or three times.

Click on your chosen website

Enter the information as required in the application presented on the website. Be sure to answer all the questions carefully because the software will not accept the information unless it is complete.

For the sake of security, even though the websites are technically secure, as a practice do not enter your Social Security Number until you make the decision to purchase the insurance.

After processing, an insurance quote will be presented

 In some cases, you will get quotations on prices from two or three companies that write insurance in your state.

Often, though, you will be presented with a quotation from one insurance company with the option of choosing other companies for second and third quotes.

Most sites have a method of entering a username and password to recover the quote later. If you have a printer available, it is wise to print out a copy of the quote for later reference.

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Comparing Insurance Quotes

When examining insurance quotes, it is necessary to make certain that you’re comparing the same coverage, vehicles, and circumstances. This is one reason why printing the quotes will help since you can run a line-item comparison.

Some companies offer variations in coverage automatically.

Things such as towing and labor, car rental reimbursement, disappearing deductibles, and deductibles applying to glass only can be included. Examine the coverage offered carefully to make certain the comparison is exact.

Advice about Insurance Limits and Coverage

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States require a certain limit of liability coverage to legally drive in the state. This is true in all fifty states. Currently, in Colorado, required limits of liability are:

  • Bodily Injury Liability $25,000 per person to a total of $50,000 per accident –for your legal responsibility for an accident that hurts others.
  • Property Damage Liability  $15,000 per accident – for your legal responsibility for an accident that damages the property of others.
  • $5,000 Medical Payments  allows immediate medical payments for auto accident related expenses

What Policies Are Recommended

Even though legal limits of liability are relatively low, it is recommended that you carry higher limits.

In an accident, for example, you may have bodily injury insurance limited to $25,000 per person and $50,000 per accident.

If you are at fault for an accident that injures, for example, four people and they sustain a great many injuries, you may end up having to pay for the amount that is not covered as well as attorney’s fees and court costs. Injuries to four persons at $25,000 each can cost $100,000.

The policy then leaves you responsible individually for $50,000 of that cost. The following limits are recommended by most insurance agents considering the rising costs of medical care and property damage:

  • Bodily Injury  $100,000 per person up to $300,000 per accident
  • Property Damage $50,000 per accident ($100,000 is feasible, considering the cost of cars now)

If you are in the process of checking estimates for car insurance, take a bit of extra time and look at the difference in price among levels of liability.

Some websites will calculate this for you at the time of your quote. You will find that additional liability coverage is not that much more expensive and offers you significantly more protection.

Insurance Price Comparisons

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Doesn’t it strike you as a wise thing to compare prices for insurance at least on a yearly basis?

Statistics indicate that the average person will pay roughly $84,000 over their lifetime in insurance premiums.

This is about two-thirds of the cost of a house. The yearly anniversary of your insurance policies is an excellent time to examine and compare costs.

Rates vary from company to company for statistical reasons related to cost of losses, operating costs, and profit margins. Comparing costs can make a substantial difference in your yearly premiums.

Purchasing Insurance Online

Once you’ve decided on an insurance company and premium, arrange to complete the application online. The company will require a down payment. The company will process credit checks, driver’s license verification, and claims history electronically.

Electronic signatures are possible to put the policy in force in a short amount of time. A copy of the policy and proof of insurance can be e-mailed to you so you may print it out.

To protect yourself, examine the company’s reputation through A.M. Best and ask your friends and family about the insurance company. Your local Better Business Bureau can be consulted online.

Always compare quotes before purchasing. Comparison tools such as the one below are the simplest ways for fast results. Enter your ZIP code to start comparing quotes for FREE now!

FREE Auto Insurance Comparison

Compare quotes from the top auto insurance companies and save!

 Secured with SHA-256 Encryption

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