How to Instantly Compare Auto Insurance Online (2024)

One thing that has actually helped consumers save money and learn more about their auto policies is the prevalence of online auto insurance comparison systems.

These quote systems make the entire business of selling car policies a lot more transparent and competitive, and this is good for vehicle owners.

It’s your car, and you are the one paying for insurance. You deserve to know exactly how your vehicle is covered and how much that costs.

Be sure to compare quotes to ensure the best price for auto insurance. Enter your zip code into the FREE tool at the top of this page.

Who needs instant auto insurance quotes?

Ideally, it is better to take your time when you are shopping for auto coverage. Because price should not be the only factor that you base your decision upon, below are a few things to consider:

• Customer service
• Claims handling
• Billing process
• Coverage
• Price

But there are times when it is really necessary to purchase coverage quickly. This might be true if you are sitting in the showroom ready to sign the papers on a new car or add a new driver on your family policy.

If you can access instant quotes, you can get the information you need to make a decision quickly.

 

Free Auto Insurance Comparison

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

 Secured with SHA-256 Encryption

Can you really set your own auto insurance price?

Some large insurers advertise that you can use their quote systems to set your own price. Most consumers are aware that this is only true within certain limits.

It also puts a lot of emphasis on price, and that is not the only thing that most vehicle owners should consider.

Why can’t you totally set your own price? You will have to purchase some minimum level of coverage to satisfy:

• State minimum required coverage
• Your auto loan agreement

Every U.S. state has minimum legal requirements for coverage. You can only change the price of that by shopping around for an insurer who will offer you a better deal.

You cannot, however, drop the price of your required coverage to $0 and still be a legal driver. The quote system will factor in your state requirements.

Do you still owe money to your lender? If so, you probably also agreed to keep full coverage on your vehicle until it gets paid off. Lenders have these requirements to protect themselves, and they can call in your note if you violate their terms.

How can you lower your auto insurance rate?

You do have choices that you can make that will increase or decrease your premiums.

• Policy options
• Deductibles
• Coverage limits
• Insurers with lower prices

For example, you could drop full-coverage after you pay off your vehicle or decide against accepting the roadside assistance or rental car coverage policy options.

You might also decide to raise your per-accident deductible. The price difference between a $250 and a $1,000 deductible is often substantial.

Can you really get instant price quotes for your car insurance?

You might get your instant auto insurance quotes from an insurer’s website. In other cases, independent sites might be able to provide you with competitive quotes from multiple insurers. Both options provide a good way to shop around for the best prices very quickly.

Insurer’s websites probably give you more details about their products. Independent websites give you a fast way to see prices from multiple companies.

Either way, you will need to supply some basic details before you can see a range of price quotes.

The quote system will need to know what kind of car you drive, your age, and a few other things before it can work. These details should only take a few minutes to fill out.

In return, you should be able to get fairly accurate price estimates. In some cases, you can change different policy options to see how that changes the price.

If you decide to accept a policy, you may even be able to complete the process of buying coverage on the web. That means you can finish applying, make your first payment, and even print off your insurance card in one quick session.

Free Auto Insurance Comparison

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

 Secured with SHA-256 Encryption

Do you have to take any of the policies offered?

You are not forced to accept any of these policies. Typically, these quote systems are totally free to use. You might decide you would rather call or email an agent for more information about any of the selections.

Insurance is a complicated topic, and it might pay to get some expert advice before you choose which policy to buy. The insurance quote system can simply be used to filter your choices quickly.

An agent can explain different policy options, suggest coverage amounts, and tell you a little bit about the company or the companies that he represents.

It is also a good idea to find out if you like a local agent because you might depend upon him if you ever do have an auto accident and need help.

Of course, these days you can deal directly with many insurers without using a local agent. You might get a toll-free number to call, and you can use this to speak directly with insurer representatives.

In some cases, it might be better to have a relationship with a local agent who can keep up with changes in your life.

When you buy your policy from many large companies, you actually can do both. You can speak with an agent during business hours, and you can call customer service on Sunday afternoon or in the wee hours of the morning.

Instant Internet price quotes really do help consumers save money and buy the right coverage. They give vehicle owners a lot more power to shop around for the right rates and plans, but vehicle owners still have the ability to get personal help from an agent or company representative.

If you need to compare auto insurance, you are free to find the right policy at the right price very fast! Enter your zip code to get started with the FREE tool below!

Free Auto Insurance Comparison

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

 Secured with SHA-256 Encryption