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 ex...

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Reviewed by Daniel Walker
Licensed Auto Insurance Agent

UPDATED: Oct 22, 2020

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Summary Stats from the National Association of Insurance Commissioners
Car Insurance Rates to KnowAverage Annual Rate
Average rate for liability coverage $516.39/year
Average rate for collision coverage $299.73/year
Average rate for comprehensive coverage$138.87/year
Average rate for full coverage $954.99/year
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Getting multiple auto insurance quotes online is one of the best ways to get cheap auto insurance. If you’re wondering how and where to get multiple auto insurance quotes, you’ve come to the right place.

When looking to get auto insurance quotes from multiple companies, you may find it to be a bit of a challenge. You could go to several insurance company websites and fill out numerous forms to get multi-quote insurance, which can be time-consuming, or you can find a website like this one that can show you how to get multiple insurance quotes at once from several different insurance companies with a free quoting tool.

You can use your ZIP code to compare multiple auto insurance quotes online for free right now.

Table of Contents

Shopping for Multiple Auto Insurance Quotes

If you’ve had your car insurance for years, there’s a good chance you could save money and get better insurance by switching companies. That’s why many people look into getting multiple insurance quotes online. A new policy could mean:

  • Better coverage
  • Better online support
  • Improved customer service
  • More affordable insurance
  • More deductible options

What’s the best way to look for a new insurance policy? Shopping around and getting multiple insurance quotes. Getting auto insurance quotes from multiple companies is the easiest way to find the best rates.

Wondering how to get multiple car insurance quotes? Keep reading to learn more about the benefits of this process and use our tool below to get multiple insurance quotes at one time.

Free Auto Insurance Comparison

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How do I get multiple auto insurance quotes at once?

Shopping around for car insurance allows you to compare rates and coverage levels between various insurers and specific policies. The reason this is important is that different insurance companies charge different rates for similar policies.

Where can I get multiple car insurance quotes? Your first step should be to locate an insurance comparison tool and fill out the short questionnaire. You will be asked questions about yourself, your location, your driving habits and your vehicle, which will help provide accurate multi-quote insurance rates.

It is very important to answer truthfully so you get the most accurate information.

Once you submit the form, you’ll receive multiple car insurance quotes at once from multiple insurance carriers. Using a free online quote tool like the one on this page is the best way to get multiple car insurance quotes at one time.

It’s important to read the quotes in detail and pay attention to more than just the multi auto insurance policy rates. You should read through each policy, compare them to your current policy, and compare each one of your multi insurance quotes against each other.

When choosing a new insurance policy, it’s important to get quotes from at least three different insurance carriers. This is best accomplished by using a comparison tool, which can usually get multiple car insurance quotes at once. The goal of this step is to find the most coverage for the least amount of money. Watch this video to learn a bit more about types of auto insurance coverage.

To help you better understand what you could be paying for insurance coverage, take a look at this table. It features data from the National Association of Insurance Commissioners (NAIC) showing average insurance rates across the country for liability, collision, comprehensive, and full coverage. You can search for average rates in your state by using the search tool at the top of the table.

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If you find a policy you like, but can’t afford the rate, you can try changing your deductible amount in order to lower your costs. You should also speak to a licensed insurance agent about discounts that may be available to you. To summarize:

  • Use a comparison tool to receive free multiple car insurance quotes (you can also get multi-vehicle insurance quotes through comparison tools).
  • Review each quote.
  • Narrow your policy choices down to two or three.

Read on to learn the next step in choosing your insurance policy and use our comparison tool to get car insurance quotes from multiple companies.

Free Auto Insurance Comparison

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

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How do I choose an auto insurance company after getting multiple insurance quotes at one time?

So, you’ve already looked through insurance quotes from multiple companies. Once you’ve narrowed your choices, it’s time to research the insurance companies and ask a few questions:

  • Is the insurance company licensed to operate in your state?
  • Do they have the financial resources to pay your claims?
  • What is the insurance company’s Better Business Bureau rating?

Once you’ve got car insurance quotes from multiple companies, the first thing you need to determine is whether or not the insurance company is authorized to provide insurance in your state.

In many instances, the comparison tool will only pull up insurance companies that operate in your state, but it’s best to make sure the insurance company is properly licensed.

You can do this by researching the company with your state’s Department of Insurance.

Make sure your potential new insurance company has the cash to pay any potential claims and a good reputation for customer service.

Finding out about customer service ratings, complaints, etc. can be done though reputable financial companies like J.D. Power and business rating companies like the Better Business Bureau (BBB).

If the company you’re considering has numerous unresolved complaints or less than a B rating with the BBB, you may want to look elsewhere. The best companies will have a good reputation for customer service and paying out on a fair amount of claims.

Once you’re finished researching, choose your new insurance company and car insurance policy.

How do I activate my new auto insurance policy?

Once you’ve chosen your insurance company and policy, it’s time to activate it. This can usually be accomplished by choosing your payment terms and using a credit card to purchase your policy. You’ll need to:

  • Purchase your new policy.
  • Make sure your new policy is active.
  • Cancel your old policy.

It’s important that you pay for your new policy and ensure it’s active before you cancel your old policy. If you cancel your old policy before your new one is active, you may inadvertently end up with a gap in your car insurance coverage.

This could result in your old insurance company reporting you to the local Department of Motor Vehicles (DMV) for being uninsured and driving illegally.

How Auto Insurance Companies Determine Their Rates

Insurance companies factor in a number of things when determining your rates, including your driving record, age, and more. Read on for more information about these factors.

Your Driving Record

If you have even one at-fault accident on your driving record it could greatly affect your rates. In the chart below, we’ve provided rates based on driving record from top companies.

GroupClean recordWith 1 accidentWith 1 DUIWith 1 speeding violation
Allstate$3,819.90$4,987.68$6,260.73$4,483.51
American Family$2,693.61$3,722.75$4,330.24$3,025.74
Farmers$3,460.60$4,518.73$4,718.75$4,079.01
GEICO$2,145.96$3,192.77$4,875.87$2,645.43
Liberty Mutual$4,774.30$6,204.78$7,613.48$5,701.26
Nationwide$2,746.18$3,396.95$4,543.20$3,113.68
Progressive$3,393.09$4,777.04$3,969.65$4,002.28
State Farm$2,821.18$3,396.01$3,636.80$3,186.01
Travelers$3,447.69$4,289.74$5,741.40$4,260.80
USAA$1,933.68$2,516.24$3,506.03$2,193.25
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As you can see, rates can increase greatly if you have a DUI on your record.

Your Age

Younger drivers, oftentimes, pay more insurance rates than older drivers as can be seen in the chart below.

Average Monthly Auto Insurance Rates Based on Age, Gender, and Marital Status

Age, Gender, and Marital StatusAverage Monthly Auto Insurance Rates
Married 60-year-old female$187/month
Married 60-year-old male$192/month
Married 35-year-old male$204/month
Married 35-year-old female$204/month
Single 25-year-old female$225/month
Single 25-year-old male$241/month
Single 17-year-old female$630/month
Single 17-year-old male$752/month
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In many cases, a 17-year-old male will usually pay the highest rates, however, it is now illegal in many states to base rates on gender.

Your Credit Score

Those with a better credit score will often receive lower rates. The chart below compares rates from top companies based on credit score.

Average Annual Auto Insurance Rates by Credit Score

CompaniesAverage Annual Rates Based on Good CreditAverage Annual Rates Based on Fair CreditAverage Annual Rates Based on Poor Credit
USAA$1,821.20$2,219.83$3,690.73
State Farm$2,174.26$2,853.00$4,951.20
Geico$2,434.82$2,986.79$4,259.50
American Family$2,691.74$3,169.53$4,467.98
Nationwide$2,925.94$3,254.83$4,083.29
Progressive$3,628.85$3,956.31$4,737.64
Farmers$3,677.12$3,899.41$4,864.14
Allstate$3,859.66$4,581.16$6,490.65
Travelers$4,058.97$4,344.10$5,160.22
Liberty Mutual$4,388.18$5,604.24$8,802.22
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As you can see, those with poor credit scores often pay much more than those with good scores.

Other Ways Your Rates are Determined

As mentioned above, there are many factors auto insurance companies consider when determining your rates. Other factors insurance companies consider include your commute, the number of vehicles you have, and the amount of coverage you purchase.

Free Auto Insurance Comparison

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The Bottom Line for Getting Multiple Auto Insurance Quotes

To get the best insurance rates, you need to comparison shop. Wondering how to get multiple auto insurance quotes? Let’s go over the basics:

  • Use an online quote comparison tool like the one on this page to get multiple auto insurance quotes.
  • Fill out the online tool as accurately as possible so your quotes are correct.
  • Compare car insurance quotes from different companies with your current insurance policy.
  • Choose your new policy based on those insurance quotes from multiple companies.

When you get multiple car insurance quotes, you’re able to best determine which rates fit within your budget. Multiple insurance quotes online can be found easily by using a comparison tool like ours.

Take your first step and compare multiple insurance quotes instantly by entering your ZIP code in our free quote tool.