How to Get Multiple Auto Insurance Quotes (2024)

Want to know how to get multiple auto insurance quotes? Car insurance quotes are beneficial because they give a good idea of how much you’ll pay for coverage and allow you to determine your area’s best companies. Fortunately, learning how to get multiple auto insurance quotes is easy with a quote comparison tool. 

Read on to learn how to find the best deals on coverage by shopping around and comparing multiple quotes. If you want to jump right into comparing multiple car insurance quotes, use our free quote comparison tool to get started. 

Auto Insurance Quotes Explained

Auto insurance quotes estimate how much you’ll pay for your car insurance coverage. The factors that affect auto insurance rates the most are location, age, driving history, credit score, and more. 

You may find that each company gives you a slightly different auto insurance quote. This is because car insurance quotes can vary from one provider to the next based on how heavily they weigh certain factors. To find the insurance that works best for you, it’s essential to shop for car insurance quotes online so you can compare multiple options at once. 

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How to Get Auto Insurance Quotes 

You can get car insurance quotes in multiple ways. However, depending on what you’re looking for, you may find that some options work better than others. 

Direct Quotes Online or Over the Phone

It’s simple and easy to find auto insurance quotes online with most insurance companies. 

If you have a computer and Internet access available, you can load your favorite search engine and enter “insurance quotations” in the search bar. You will get quite a few entries under this category.

If you’re aware of what companies you want to get quotes from, you can click on the company’s website and find an area to request a quote.

Most well-known insurance providers, like Allstate and Geico, offer free online auto insurance quotes. During the process, however, you’ll likely be assigned to an agent with the company. Read our Allstate auto insurance review and our Geico auto insurance review to learn more about their rates. Take the information you have collected and type it into the spaces provided.

After you’ve finished keying in the information, ordinarily you will have a quotation within a few minutes. You may obtain different quotations by varying coverage options such as changing deductibles for physical damage to your car.

Advantages of obtaining insurance quotes online:

• Wider variety of insurance companies
• Paperless or near-paperless interaction with your chosen insurance company
• Ease of comparing the price effect of varying coverages
• Immediate acquisition of new insurance coverage

You can also call any insurance company you’re considering to try and purchase coverage directly from the provider rather than through an agent. Doing so could help you save money on your insurance premium. 

Captive Agents

Some companies have captive agents or individuals who work solely for one insurance provider. These agents should be able to provide a quote for coverage with the company based on your personal information.

Independent Agents and Brokers

Independent agents could be helpful if you’re looking for insurance quotes, as they can often provide quotes from multiple companies at once. This information could help you save money on coverage. Find auto insurance company agents in your area by researching online. 

Go to your local independent insurance agent with the information you have available and request a variety of quotes from them.

Most independent insurance agents represent several companies and are able to give you quotations from different ones. The advantages of doing this are as follows:

• Your quotation comes with the recommendation of someone you know and trust
• You will have the choice of two or three different insurance companies
• If you have a claim, you can contact your local insurance agent
• The agent will do the work of searching for you

Learn more: How can I find auto insurance company agents in my area? 

Comparison Websites

Finding car insurance online is often easiest if you use a comparison website. These sites compare quotes from multiple providers at once, allowing you to compare online car insurance quotes to see which offers the best price. 

Specialty Agencies

If you have a DUI on your record or other incidents that may qualify you as a high-risk driver, you may need to pursue a specialty agency to find proper coverage. The best auto insurance companies for high-risk drivers will offer the most affordable coverage for people with DUIs. Specialty agencies help individuals find nonstandard coverage when they may have difficulty purchasing insurance with many other companies. 

Best Practices for Finding Multiple Auto Insurance Quotes

Before you decide on a company, it’s important to learn enough to ensure you’re comfortable. Research each company’s financial strength, and read comments and auto insurance company complaints from former and current customers. If you are wondering “How do I file auto insurance company complaints?” you can usually do so online. 

Find and compare a minimum of three quotes before determining which company you want. Doing so will help you ensure you don’t end up paying too much for coverage. When you compare quotes, pay attention to the coverage options, too. As you add coverage to a policy, you’ll likely pay more in overall premiums.

Other Considerations When Shopping for Auto Insurance Quotes

You can do a few helpful things to find car insurance quotes that will work with your budget. 

Research the Company

As you consider a company, look up its financial strength. Research customer reviews from past and current customers. Use information online to determine whether the insurer sounds like a company that would work for you.

Determine the Coverage You Want

You can buy liability-only car insurance or get coverage with all the bells and whistles. Think about your vehicle and what you need to cover, and go from there. If you have a newer vehicle, you may want to consider carrying collision and comprehensive coverages to help if your car is ever damaged.

Read more:

• Liability Auto Insurance
• Collision Auto Insurance
• Comprehensive Auto Insurance

You may also need specialty coverages, like roadside assistance, GAP insurance, or new car replacement. But it depends on your unique scenario.

Read more:

• Roadside Assistance Coverage
• Guaranteed Auto Protection (GAP) Insurance
• What is new car replacement insurance?

You may not need a full coverage policy if your vehicle is several years old and paid off. But you can always speak with an insurance expert to help you determine the best coverage for your needs. 

Consider Your Budget

You must stay within your budget when shopping for car insurance. Finding and comparing quotes can help you do this, but you may also need to reconsider your coverage options or see if a higher deductible would help you pay lower premiums. 

Pick A Policy

After you’ve evaluated your needs and considered your options, you should be ready to compare quotes and find the right policy. 

Free Auto Insurance Comparison

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Information Needed to Get Auto Insurance Quotes

Most companies or websites require some information to generate an accurate quote. Learning how to obtain quotes for auto insurance is important. This information often includes:

• Basic personal information
• Current insurance provider
• Driver’s license info
• Current mileage on your vehicle
• Annual mileage on your vehicle
• Vehicle identification number
• Driving history
• Desired coverage

If you provide incorrect or inaccurate information, the quote you receive will likely not adequately reflect what you would actually pay for coverage. So, try to give the most accurate information possible. Determining what documents you need to get auto insurance should also help you get an accurate quote. 

Why Should I Get New Insurance Quotes?

Ordinarily, consumers stay with the same insurance company for years, thinking that price increases or variations are normal. Consumers have little contact with their companies other than paying for insurance on a regular basis.

Sometimes a loss covered by insurance occurs, though, and you have intimate contact with the insurance company through their claims process.

At that point, most policyholders develop definite ideas about their insurance company based upon how they view the process.

Even so, economically it can be advantageous to get new insurance quotations to compare prices for your car insurance at least every other year. Reasons for getting new insurance quotes can be:

• Moving to a new area
• Changing the way you use your vehicle
• Recently licensed teen driver(s)
• Changes in your marital status

If you move, for example, from Washington, DC to Montana, you will discover a major drop in insurance premiums.

This is partially because the average insurance customer in Washington, DC has an accident every 4.5 years, whereas Montanans’ have accidents usually no more often than every ten years.

For some reason, married people have fewer automobile accidents than those who are unmarried. The distance you drive to work affects your possibility of having an accident.

Teen drivers typically have sharp reflexes, but they do not have the experience with driving necessary to use good judgment.

How to Get Cheap Auto Insurance Quotes

As you shop for multiple quotes, you may find your rates are higher than expected. If this is the case, you can do a few things to lower your car insurance quotes:

• Improve your credit score. Auto insurance and your credit score interact in important ways. The better your credit, the lower your insurance rates. So work on improving your score over time. 
• Shop around. Don’t purchase the first policy you find. Take your time to find and compare quotes from several providers to find the best one. 
• Drive carefully. A good driving record will allow you to keep your auto insurance quotes down. 
• Consider discounts. If companies offer auto insurance discounts, ask whether you qualify and how much you could save on coverage.
• Increase your deductible. You could pay lower monthly or annual rates for coverage with a higher auto insurance deductible.

Don’t feel rushed to make a decision. Over time, you’ll be able to find the best company in your area for coverage.

Free Auto Insurance Comparison

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How Companies Determine Auto Insurance Quotes

Most companies follow similar steps when determining auto insurance rates. For example, companies assess risk to determine which policyholders pay lower rates and which pay higher rates. Companies often consider the same factors when determining auto insurance rates. 

ZIP Code

Auto insurance rates by ZIP code can differ. If you live in an area with heavy traffic or a place known for vandalism or car accidents, you may pay more for coverage, and some states tend to have higher insurance rates than others.

Additionally, some states require additional coverage. You will need to check with your state’s department of motor vehicles to determine the types of coverage you need. Keep in mind that additional coverage means higher rates.

Gender

Sometimes, a person’s gender can impact their auto insurance rates. Why are auto insurance rates higher for males? Men are often involved in more accidents than women. 

For instance, teen males pay around $600 more annually for coverage than teen females. As you age, your gender should play less of a role in your car insurance costs. 

Age

You may pay higher insurance rates if you’re a teen driver or a driver over 65.

Because companies assess the risk associated with each policyholder, teen drivers and drivers in their 60s or older often pay more for coverage.

Full Coverage Auto Insurance Monthly Rates by Age and Gender

Insurance Company	18-Year-Old Male	18-Year-Old Female	30-Year-Old Male	30-Year-Old Female	45-Year-Old Male	45-Year-Old Female	55-Year-Old Male	55-Year-Old Female	65-Year-Old Male	65-Year-Old Female
AAA	$378	$328	$103	$99	$86	$88	$81	$83	$84	$86
Allstate	$203	$180	$79	$74	$59	$59	$56	$56	$57	$58
American Family	$414	$305	$137	$116	$117	$115	$111	$109	$114	$113
Farmers	$629	$597	$167	$160	$139	$139	$131	$132	$136	$136
Geico	$254	$220	$87	$90	$80	$80	$76	$76	$78	$78
Hartford	$469	$407	$133	$126	$113	$115	$107	$109	$109	$112
Liberty Mutual	$626	$626	$200	$174	$174	$171	$165	$162	$170	$96
Nationwide	$387	$303	$136	$124	$115	$113	$109	$107	$114	$113
Progressive	$662	$591	$136	$131	$105	$112	$100	$106	$103	$109
State Farm	$284	$229	$103	$94	$86	$86	$82	$82	$84	$84
Travelers	$740	$530	$108	$99	$99	$98	$94	$93	$97	$96
U.S. Average	$501	$416	$139	$128	$119	$119	$113	$113	$117	$117

As you can see, people over the age of 25 are going to have the best rates. You will hold those rates for quite some time before seeing them rise again as you become older. You can find the best auto insurance for young adults by comparing rates online. 

Marital Status

Though it may seem outdated, married couples are likely to pay less for coverage than single individuals.

Auto Insurance Monthly Rates by Marital Status

Insurance Company	Single Adult	Married Adult
Allstate	$291	$125
American Family	$208	$165
Farmers	$250	$176
Geico	$193	$177
Liberty Mutual	$353	$177
Nationwide	$232	$189
Progressive	$227	$191
State Farm	$204	$206
Travelers	$201	$254
U.S. Average	$233	$197

Providers may assume that married couples are less likely to file claims and are more likely to drive responsibly.

Credit Score

Your credit score could be a significant factor in car insurance rates. People with bad credit are more likely to file insurance claims. Read more about the best auto insurance companies for bad credit if you are struggling to find coverage with your current credit score.

Because companies are about assessing risk, your low credit score could mean higher-than-average insurance rates.

Driving History

You can expect cheaper car insurance rates if you have a clean driving history.

Full Coverage Auto Insurance Monthly Rates by Driving Record

Insurance Company	Clean Record	One Accident	One Speeding Ticket	One DUI
Allstate	$160	$225	$188	$270
American Family	$117	$176	$136	$194
Farmers	$139	$198	$173	$193
Geico	$80	$132	$106	$216
Liberty Mutual	$174	$234	$212	$313
Nationwide	$115	$161	$137	$237
Progressive	$105	$186	$140	$140
State Farm	$86	$102	$96	$112
Travelers	$99	$139	$134	$206
USAA	$59	$78	$67	$108

But your rates will be much higher if you have at-fault accidents, multiple violations, or a DUI on your record.

Car Make and Model

The type of car on your policy will also impact your rates.

Performance vehicles or foreign cars will be more expensive to cover, while older vehicles that don’t cost as much to repair will be less expensive. Finding out where to get cheap auto insurance for older cars is important.

How to Get Auto Insurance Discounts.

Depending on the companies you consider, you may qualify for discounts on coverage. Discounts could help you save a significant amount on auto insurance. Some of the most common auto insurance discounts include:

• Good student
• Safe teen driver
• Telematics
• Automatic payment
• Paid-in-full
• eSignature 
• Safety features
• Paperless billing
• Multi-vehicle 
• Safe senior driver
• Multi-driver 
• Multi-policy

Auto insurance discounts could help you save as much as 20% on your policy, so ask whether you’re eligible for any discounts on coverage.

Comparing Auto Insurance Quotes: The Bottom Line

Car insurance quotes aren’t difficult to find, but shopping around is essential to get the best quotes on coverage for your vehicle. Now that you know how to get multiple auto insurance quotes, you can find quotes directly from providers or compare quotes online from several providers at once.

Online car insurance quotes are a great way to see how much you’ll pay for coverage, and you can instantly buy auto insurance online. This could help you save money over time on your car insurance coverage. Still, you may be able to lower your rates by improving your credit, considering discounts, lowering your coverage, or increasing your deductible. 

Once you find an insurance company you like, continue to shop online and compare quotes once a year. If you want to get started on comparing multiple auto insurance quotes, you can use our free quote tool.

Free Auto Insurance Comparison

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

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