How can I get multiple car insurance quotes?

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Joel Ohman
Founder, CFP®

UPDATED: Jul 21, 2017

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Here's what you need to know...
  • 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

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.

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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.

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!

Free Car Insurance Comparison

Compare quotes from the top car insurance companies and save!

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