How to Find Car Insurance Quotes

Find car insurance quotes by (1) identifying your coverage needs, (2) using online quote comparison tools, and (3) having your personal information ready to provide.

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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: Jan 22, 2021

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

Advertiser Disclosure: We strive to help you make confident car insurance decisions. Comparison shopping should be easy. We are not affiliated with any one car insurance company and cannot guarantee quotes from any single company.

Our partnerships don’t influence our content. Our opinions are our own. To compare quotes from top car companies please enter your ZIP code above to use the free quote tool. The more quotes you compare, the more chances to save.

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...

  • Before researching insurance, decide what coverage amounts you need
  • Searching online using a rate quote tool makes comparing companies easy
  • When you are close to making a final decision on an insurance company, make sure you read the policy before you sign your name

Why is it necessary to find car insurance quotes and have car insurance? Every time you get behind the wheel, there is the possibility of causing damage to other people’s personal property and causing injury to others.

Enter your zip code into the free rates box to find car insurance quotes now!

Driving presents the scary possibility that your life could be lost as well as those of passengers, pedestrians, or others. As morbid as it may sound, it is a possibility. There is no assurance that we will always be safe or that no harm can be done to others.

Accidents are never pleasant. Most people do not have the funds to pay for losses which they might cause while operating the vehicle.

As a result, each state government requires drivers to carry a particular dollar amount of insurance coverage. This insurance is supposed to cover any damages which they might cause others to suffer.

Easy Car Insurance Coverage

Insurance may sound complex, but it is exceedingly easy to understand. Each month, you pay premiums. Each premium from individual clients goes into a large financial pool at the insurance company. The insurance claims of the few are disbursed from that insurance pool. There is always money for the claims because there are more people paying premiums than people making claims.

There are multiple companies offering car insurance. Consider the following things before buying car insurance.

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

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Decide on Amount of Car Insurance Coverage Needed

The coverage required varies with location. Jot down the different types of coverage and what is required in your state. Know the requirements first, and then decide what needs to be added.

How do you know what to add? Most people say that if you have a number of assets, then you should get enough liability coverage to protect them. It is wise to let your financial situation be your guide for this one.

There is no point buying excess coverage if you do not have any assets in the first place.

General recommendations for liability limits are $50,000 for injury liability for one person injured in an accident, $100,000 for everyone injured in an accident and $25,000 property damage liability.

Other experts suggest 100/300/100 coverage to fully protect you and your assets.

A poor driving record raises the price of insurance. Check with the state’s DMV for speeding tickets. If your tickets will be off your record shortly, wait until the points you earned disappear before getting quotes.

Check the monthly cost of insurance as well as the yearly quotes. This will give a clear picture of the figures you should try to beat.

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Shop Around to Find Car Insurance Quotes

Never focus on a single company; there might be others who offer competitive rates. Bring records of the current insurance policy, driver’s license number and vehicle registration when shopping. Begin searching online.

The free insurance quotes tool on this page asks for information and then provides a list of comparative quotes. Remember to:

  • Compare different quotes – Take notes while checking out different companies. Record annual and monthly rates and the 800 number that should be contacted in case more information is required. Take into consideration the discounts the company is offering that might be applicable.
  • Review the policy before signing up – After researching and comparing quotes, it is now time to sign up with an insurance company. Make sure that the policy is read and understood before signing on the dotted line. Doing this will help avoid any regrets or misunderstandings later.

    Words of warning, before signing up with any insurance company make sure that the right to sue is retained. Giving up this right makes it extremely easy for insurers to take advantage of people who sign up for policies. If the company will not agree with that, then look for another company who will.

  • Cancel your old policy – After signing up with a company, it is time to cancel the coverage from your existing insurance company. Make sure to keep a copy of the proof of insurance. This is required in most states.

Car Insurance Equals Peace of Mind

Looking for the best car insurance quotes and getting the perfect car insurance will take worries and burdens off of one’s shoulders. Doing so will allow you to drive with peace of mind, knowing that whatever happens there is coverage that will take care of everything.

Type your zip code into the box below and find car insurance quotes today!

Free Car Insurance Comparison

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

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Average Monthly Car Insurance Rates by State