Zaneta Wood, Ed.S. has over 15 years of experience in research and technical writing bringing a keen understanding of data analysis and information synthesis to reach a wide variety of audiences. She studied adult education and instructional technology at Appalachian State University as well as technical and professional communication at East Carolina University. Zaneta has prepared technical p...

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Joel Ohman is the CEO of a private equity backed digital media company. He is a CERTIFIED FINANCIAL PLANNER™, author, angel investor, and serial entrepreneur who loves creating new things, whether books or businesses. He has also previously served as the founder and resident CFP® of a national insurance agency, Real Time Health Quotes. He has an MBA from the University of South Florida. Jo...

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Reviewed by Joel Ohman
Founder & CFP®

UPDATED: Sep 15, 2020

Advertiser Disclosure

It’s all about you. We want to help you make the right coverage choices.

Advertiser Disclosure: We strive to help you make confident insurance decisions. Comparison shopping should be easy. We partner with top insurance providers. This doesn’t influence our content. Our opinions are our own.

Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.

Here's what you need to know...

  • Comparison sites pull information from multiple sources to show the best rates
  • Many times, all you need to get started is your zip code
  • These sites help you save time, as they find information from local and national insurance companies instantly
  • It is often possible to purchase a policy in a few simple steps


Looking for a new car insurance quote can be overwhelming. There are dozens of car insurance companies out there, and each one is claiming to have the best rates and the best special features and discounts. Drivers may not know where to start to get the best car insurance rates.

Click here to enter your ZIP code into the FREE box on this page and find multiple car insurance quotes in your area!

Contacting multiple companies for policy rates individually can be incredibly time-consuming. Additionally, it’s hard to identify all the potential companies to target.

But there is a solution! Car insurance quote comparison sites allow drivers to easily target multiple insurers and get a wide selection of insurance quotes in just a few easy steps.

Car Insurance Comparison Sites

These sites serve as a central hub of information for getting rates from multiple sources. They eliminate the need to contact multiple different car insurance companies for quotes.

Additionally, websites geared toward comparing quotes for auto coverage are usually an independent business, not affiliated with any particular insurer. This is important because it provides an unbiased source of information when looking for a new auto insurance quote.

Generally, the companies included in a quote comparison site are identified up front, and you may be given the option to choose which companies you want to include in your quote comparison.

This is especially helpful if you have already narrowed down the list of potential insurers that you are comfortable working with.

Free Car Insurance Comparison

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

 Secured with SHA-256 Encryption

How Car Insurance Comparison Sites Work

A comparison site is like a mega search engine just for car insurance rates. You will enter your information, and the site will reach out to up to dozens of insurers to find and compare rates.

Generally, the first step to using one of these sites will be to enter your zip code. This will help the site narrow down to the insurers that are available in your area. Many car insurance quotes comparison sites search with not only national, but also local insurance providers.

Once you’ve completed this step, the site will ask for some additional information. This will include:

  • Your personal contact information
  • Some details about your vehicle
  • Your driving record
  • Other drivers in your household

In some instances, the site might ask for the information required to run a credit check. However, this is usually only used once you are committing to purchase a policy.

You will also have to provide the type of insurance and coverage levels that you are looking for. This may include liability, collision, personal injury protection, or other types of insurance.

If you are not sure what type of insurance you want or need, try reviewing a consumer resource such as those provided by the Insurance Information Institute about how much coverage you may need and how your coverage level impacts pricing.

The website then takes all the information that you have provided and sends it out to multiple insurers to provide quotes. In some cases, you may have to provide additional information to meet the specific requirements of one or more insurers.

You will be guided through the process by prompts on the website. Before you know it, the site will return a list of multiple insurance companies and their quotes for your review.

You can then visit each company’s website or contact their customer service department to learn more about their policies.

While it is helpful to have comparisons of car insurance rates at your fingertips, it is wise to make a decision based on the company that is overall best for you. Do not just choose the one with the lowest rates. This will ensure that you receive customer satisfaction as well as a great price.

In order to find the best match for your car insurance needs, you will want to thoroughly investigate your top two or three potential insurers to see if they are a good fit for you.

You can talk to friends and colleagues to see if they have any feedback, good or bad, about your potential insurers. You can also check to see what their ratings are with the Better Business Bureau and if they’ve had any significant complaints.

Finally, see where they rank in JD Power’s list of best consumer-rated auto insurance providers.

Drawbacks to Car Insurance Comparison Sites

Independent quoting sites can be incredibly useful for insurance shoppers. However, before the benefits of these sites are fully explored, it’s important to note that there may be some drawbacks to be wary of.

Not all of these sites include quotes from every possible insurer. Sometimes, smaller local and regional auto insurance companies are excluded. If you rely only on the comparison site for your car insurance shopping needs, you may miss getting a quote from a great company in your area.

This is easily remedied by:

  • determining your target insurance providers
  • ensuring any website you use includes these companies
  • reaching out to these insurance providers individually for a quote

Additionally, you will want to read the fine print associated with any auto insurance rate quote site.

Often, these sites will want to share your personal and contact information with the insurers that you are quoting with. This could lead to you receiving phone calls or mailings from the companies in question.

If you do not want this to happen, you will need to opt out up front.

Benefit #1: Quick and Easy to Use

Unlike contacting a car insurance company representative or working with an insurance agent, using a comparison site can be done quickly and easily online.

This is especially helpful if you are just starting your insurance search and want a baseline of what quotes are like.

This is also a benefit for drivers who are curious about insurance quotes but don’t want the hassle of dealing with an agent or the lengthy process of calling company representatives.

Within just a few minutes, you can have a handful of quotes at your fingertips. Comparison sites also save drivers from doing repetitive and duplicate tasks to generate auto insurance quotes.

Instead of entering your information individually on multiple different websites for each insurer, you can do this only once.

These sites also tend to be very straightforward and easy to use. The questions are clear-cut, and you can avoid the confusion that may come with trying to individually manage quoting with multiple insurers.

Free Car Insurance Comparison

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

 Secured with SHA-256 Encryption

Benefit #2: Gather Information That Can Be Hard to Find

One of the most common complaints of car insurance shoppers is that they don’t know where to start to find the best insurance rates. Auto insurance comparison sites eliminate this issue.

If you are new to the world of car insurance, you may not know which companies to contact first for a quote.

Comparison sites make it easy to know where to start to find the best rates by giving you immediate access to quotes from some of the largest and best-known insurers.

Additionally, these websites can include smaller and less visible insurers that are not as well-known as their national counterparts. You may find that your best quote comes from a company that you wouldn’t have even known to look at had you not used the comparison site!

Benefit #3: Make Your Purchase a 1-Step Transaction

One of the most difficult aspects of shopping for car insurance is easily and accurately comparing multiple quotes.

Reaching out to several different companies individually can be incredibly time consuming. It is also very easy to make a mistake in comparing the policy features and benefits.

Using a quality comparison site eliminates the hassle and difficulty of comparing different quotes from many providers.

When you quote with different companies individually, it is hard to keep track of all of the different insurance options and amounts of coverage available.

The different companies may recommend different dollar levels of coverage, or they may not all offer the same options. When you get all of your quotes back, you may find out that the policies are not identical and therefore the costs are difficult to accurately compare.

By entering your desired policy information only once, you are sure to get back quotes on exactly what you’ve requested.

Additional information, such as special discounts or features offered by each insurer, will be communicated in an organized manner to ease the decision-making process.

And you can proceed immediately to purchasing your insurance when using one of these sites.

If you find a quote that you are happy with from a company that you know to be trustworthy and good to deal with, there is no need to wait to make a purchase.

With a few clicks, you can navigate from the site to purchase your auto insurance policy.

If you are looking for the best and most competitive car insurance rates in your area, you don’t need to go any further.

Type in your ZIP code to find multiple quotes from providers near you!