How to Compare Multiple Car Insurance Quotes Online (Quick Tips)

Compare multiple car insurance quotes online to get rates from multiple insurance companies at the same time. Enter your ZIP to compare multiple car insurance quotes for free.

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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...

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UPDATED: Jun 14, 2020

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Here's what you need to know...
  • Comparison shopping for car insurance is a great way to narrow down your choices.
  • Once you have received several quotes, check out the individual companies that seem to fit your needs best.
  • When you deal with a specific company, you can ensure that all the details in your policy are custom-fit for your needs.


It seems that there are hundreds of car insurance comparison websites offering free quotes for anyone who needs them. While this is a good thing, comparing multiple free car insurance quotes can be somewhat daunting.

Well, do not fear. Although comparison shopping for car insurance can be time-consuming, it’s not as difficult as it might appear.

Your ticket to great car insurance rates is our FREE search tool above. Enter your ZIP code now!

The key to comparing multiple free car insurance quotes is knowing exactly what you’re looking for. This helps you weed out quotes that contain too little information for you to make an informed choice.

It also helps you make sense of larger and longer quotes that might provide too much information.

Knowing what to look for in relation to your specific needs and preferences will help you make an educated decision a lot quicker.

Where do I start?

The best place to start is at a website like the one you’re on right now. In fact, you can use this site’s search tool to begin the process of acquiring multiple free car insurance quotes online from multiple insurance companies at once.

You begin by entering your zip code, which then directs your browser to a second page. From there you’ll enter specific information about your car, where you live, your employment, and so forth. After a few minutes, the quote tool will return the results to you.

Keep in mind that automated online quote tools provide you with a number that is just a best-guess estimate based on the information you provide and industry averages in your area.

When you finally do choose a car insurance company to go with, a representative will have to verify your information, which could result in your actual rate being higher or lower than the quote. This will be especially true if your information was incomplete or inaccurate. Be sure to look through our car insurance comparison chart to research multiple insurance companies.

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What’s next after I get multiple quotes?

With quotes in hand, you’re ready to begin comparing them line by line. You’ll probably notice there is very little difference in price for the required state minimums for coverage of bodily injury, property damage, and general liability.

Since all policies must carry those state minimums by law, there’s very little flexibility in the pricing structure. But there’s a catch.

In addition to state minimums, a company might include full glass coverage and roadside assistance as part of its basic policy. Others may not. That’s the type of thing you’re looking for.

Next, you’ll want to compare the amount of coverage offered for additional things such as:

  • Fire and theft
  • Full collision
  • Extraneous options like identity theft protection

Each of these items should be listed on a separate line, along with the annual cost of the premium. Again, you’ll need to compare what each of these additional coverages offers in relation to the amount of money it’s going to cost you.

What do I do if there aren’t enough details?

Sometimes your initial free insurance quotes will not contain enough details for you to make an informed decision. That means you’ll have to contact the individual insurance companies to get the additional information you need.

This can be done in one of two ways: online and by phone.

If you don’t want to go through the hassle of dealing with a live agent to start with, try the online method first. You’ll need to make an educated guess and choose a couple of companies that seem to have the best price.

From there go directly to the companies’ individual websites and use their online quote tools, if they have them.

These quote tools tend to be a bit more detailed than third-party tools and should offer you a better quote with more information.

From these quotes you can once again compare line-by-line items, looking for total coverage, premium, deductibles, and so on.

If this method still does not provide enough details, your last resort is to either call the insurance company directly or a local agent in your area. When you do call for assistance, make sure you don’t hang up until you have answers to all your questions.

It doesn’t do you any good to spend a lot of time on the phone just to hang up still wondering how much your car insurance is going to cost you.

Comparing multiple free car insurance quotes is a task that is frightening to many people. But it doesn’t need to be. After you’ve done it a couple of times you become quite adept at it.

You might even be able to teach your friends and family members how to do it, too!

Start your search for car insurance quotes by entering your ZIP code into our FREE search tool below.

How can I get multiple car insurance quotes quickly?

  • Review your current policy and determine what type of coverage you need
  • Determine your monthly car insurance budget
  • Use a comparison tool to find potential new policies

[/su_box]If you are in the market for a new car insurance policy, you can use a comparison tool to quickly view several insurance policies from a variety of insurance carriers.

However, it is important to read through each policy and compare it to your current policy before choosing a different policy. This ensures that you are getting the coverage you need at a price you can afford.

Compare car insurance rates now! Enter your zip code above to get started for FREE!

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Determining Your Car Insurance Needs

The first step in changing car insurance policies involves determining your needs. There are two basic types of car insurance policies, including liability and collision.

Every state requires some form of liability insurance, and driving without liability insurance is illegal.

In its most basic form, liability insurance covers the other driver’s car repairs and medical expenses if you are found to have caused the accident.

Liability insurance does not cover your expenses if you caused the accident.

  • Liability insurance works well for individuals that drive older cars that are paid off and can afford to repair or replace their car if they get into an accident
  • Collision insurance includes additional coverage for the repair or replacement of your vehicle and your accident-related medical expenses if you are the at-fault driver
  • Collision insurance typically comes with a deductible, which is the amount you must pay before your insurance company pays for the repairs or replacement of your vehicle

For example, if you get into an accident that causes $1,500 worth of damage to your vehicle and your deductible is $500, you would pay the $500, and your insurance company would pay the remaining $1,000.

Individuals with newer cars or vehicles that are not paid off usually need to have collision insurance coverage to ensure the vehicle gets repaired to its pre-crash state if you are involved in an accident.

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Shopping for Car Insurance

When it comes to shopping for car insurance, it is important to get more than one quote.

Most car insurance shopping articles, including one from the Massachusetts Attorney General Maura Healey, recommend getting as many quotes from as many different insurance companies as possible.

The reason is simple. Different insurance companies charge different rates, even for the same policies.

This is because different insurance companies assess risk differently, and their rates reflect their estimated risks.

Car Insurance Discounts

Most insurance companies offer a variety of discounts that can make your monthly premium more affordable.

Common discounts include multi-line, good driver and driving a car with certain safety features.

Multi-line discounts involve saving a certain amount of money for having more than one policy with the same insurance company.

Good driver discounts revolve around remaining accident and infraction-free for a certain period of time.

Typically, drivers that have been accident and infraction free for five years or more are eligible for safe driving discounts, because the insurance company deems them low risk.

Certain car safety features can also earn you a discount because they make you less susceptible for receiving major injuries during your accident.

Common safety features include ABS brakes and passenger side air bags.

In order to determine if you qualify for any discounts, you should fill out the comparison tool quote form as accurately as possible and indicate all of your insurance interests. This allows the tool to provide you with the best results for your specific needs.

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Using a Comparison Quote Tool

A comparison quote tool can help you quickly find an affordable insurance policy, but it is important to understand how they work.

In their most basic form, the tool takes the information you entered and compares it with all of the available policies.

According to the New York State Department of Financial Services, you can expect to be asked several questions. Those questions will center around your driving habits, your personal information, and your cars.

If you have been in an accident or gotten any tickets for traffic violations, you will need to list those. These will affect your insurance rates.

You will need to input your name, address and any additional drivers that will be covered under your policy, and you will need to list the make, model and year of every car you wish to insure.

Reviewing and Purchasing a Policy

Once you have your quotes, you will need to look at more than just the cost of the policy. The cost only tells you how much you would be paying for your new policy.

It does not tell you what your policy covers. For this reason, you need to review each policy in detail and compare it to your current policy to make sure it adequately protects you in the event of an accident.

Once you find a policy that meets your needs, you can usually purchase it online with a debit or credit card. At the end of the process, you should be able to print out your new policy and your temporary insurance cards.

Permanent insurance cards are usually mailed to you within a certain number of days.

Be sure to do the following:

  • Review each policy
  • Determine which policy meets your needs and budget
  • Purchase your new policy
  • Print your policy information and insurance cards

When it comes to filling out a quote form and finding a new insurance policy, you must include the most accurate information possible.

Sometimes, it can help to have your current policy sitting next to you while you fill out the form. By accurately filling out the form, you are ensuring that you get the best possible quotes.

Once you review each policy, choose a policy that best meets your needs and monthly budget.

Enter your zip code in our FREE tool below to compare car insurance rates now!

References:

  1. http://www.huffingtonpost.com/laura-adams/how-age-gender-and-marital-status-affect-your-car-insurance_b_6973360.html
  2. http://articles.philly.com/2015-12-28/news/69337162_1_car-insurance-rate-auto-insurance-insurance-quotes-com
  3. http://www.iii.org/issue-update/compulsory-auto-uninsured-motorists
  4. http://www.kbb.com/car-advice/articles/how-much-and-what-kind-of-car-insurance-you-need/
  5. http://money.cnn.com/pf/money-essentials-car-insurance/

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