Obtaining Private Car Insurance Quotes

Private car insurance rates vary based on your credit history, driving record, and other factors. Enter your ZIP code below to compare quotes online and save up to 20%.

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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 28, 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...

  • A lot of factors go into your car insurance premiums
  • You can start with a quote tool to compare multiple rates but then it’s a good idea to compare individual companies on their websites
  • To obtain private insurance quotes, you can call companies directly, or enter your information on the website


It may seem like every time you turn on the TV or radio today, you are bombarded by advertisements that claim you may be paying too much for your auto insurance.

Many people today are actively trying to reduce their spending, pay off debts, and increase personal savings, so the idea that shopping for insurance quotes may reveal a way to save money is an opportunity that is too good to pass up on.

As much as you want to save money on car insurance, however, you may not have a lot of time to shop around. So how can you quickly get private car insurance quotes that will save you money?

Enter your ZIP code in our car insurance comparison tool above for FREE car insurance quotes.

How Car Insurance Rates Are Calculated

Before you spend time gathering rate quotes from the many different insurance companies who offer auto coverage, you first want to take the time to consider how rates are calculated. All insurance companies consider most of the same basic factors when calculating your rate.

These factors may include:

While these and other factors are all reviewed by each insurance company, they all review the information in their own way. It is not uncommon for a driver to get five different rate quotes from five different insurance companies.

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

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Getting Specific Car Insurance Quotes

Because each of the insurance companies will likely provide you with a different rate quote, you may want to take the time to shop around with each of the insurance companies directly to find the lowest rate.

After all, that one insurance company who you don’t get a rate quote from may be the one that offers you a substantially lower rate than the rest. Getting specific rate quotes can be accomplished by:

  • Calling each insurance company directly
  • Entering your information into each company’s online application form

Clearly, it can take a great deal of time to contact each insurance company and get a direct quote. However, to find the best deal on auto insurance, you don’t want to leave any stone unturned.

Car Insurance Rates Comparison

There is a great way to reduce the amount of time and effort it takes to shop for private auto insurance rates. There are several rate comparison websites online that can help you to quickly and easily determine which auto insurance companies may offer you the lowest rates.

You can use a rate comparison website to first determine if savings may be available to you if you do shop around for firm quotes. Then you can use a rate comparison website to determine which companies you should get quotes from to find the best rates.

How to Use a Car Insurance Rates Comparison Website

Each of the rate comparison website works slightly differently. In general, however, they feature a submission form that asks you for just a few of the factors insurance companies use to calculate rates.

For instance, they may ask you for your zip code, your age, and information about your vehicle. Then the websites analyze this data and provide you with estimated rates.

The rates will need to be adjusted based on other specific factors like your driving history, coverage limits, and your deductible.

However, the estimates provided to you by using these sites can help you to find greater savings, and they can help you find those savings without the need to shop around and get firm quotes from each and every auto insurance company.

Free Car Insurance Comparison

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

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The Best Steps

It is understandable that you want to take time today to find savings on your private auto insurance premium. It is also understandable that you don’t want to spend all day getting quotes from different insurance companies.

The best steps to take when shopping for car insurance include:

  1. Determine your coverage needs
  2. Use a rate comparison site to get rate quote estimates
  3. Analyze rate quote estimates
  4. Get firm quotes from the selected companies
  5. Purchase the lowest priced auto insurance coverage that meets your needs

The fact is that it really can take you many long hours on the phone with insurance companies if you want to get firm quotes from each and every car insurance company.

A better solution, however, is to make use of a comparison site to get estimated rates. Then you only have to take the time to get firm quotes from the top companies.

Enter your ZIP code below and we will help you out by sending you multiple car insurance quotes for FREE!

Free Car Insurance Comparison

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

 Secured with SHA-256 Encryption

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