Tips on Instant Online Quotes for Auto Insurance

You can get instant online car insurance quotes from most major car insurance companies. Comparison shopping using a third-party tool online may save you up to 20% on rates.

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A former insurance producer, Laura understands that education is key when it comes to buying insurance. She has happily dedicated many hours to helping her clients understand how the insurance marketplace works so they can find the best car, home, and life insurance products for their needs.

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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: Jul 9, 2020

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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.

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Here's what you need to know...

  • A price comparison website and the company’s website are the two best sources to acquire an instant online insurance quote
  • Honest and detailed information on one’s end will garner the most accurate insurance quotes
  • Use more than one quote generator while searching for quotes
  • Get to know an insurance company and carefully read the fine print before signing a contract

Shopping for car insurance means taking the time to compare plans and their rates and coverage, which is where the Internet comes into play. Thanks to the latest technology, people can fill out short forms and receive near-instant online car insurance quotes.

Internet comparison tools are not a fluke. They give people a working idea of the types of premiums and rates they can expect from different lenders. The following includes some basic information about how to find and use instant online car insurance quotes.

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Two Types of Quotes

There are basically two ways to find instant online insurance quotes. One can use a price comparison website where plans from multiple providers are listed, or one can ask for an instant quote from a specific insurance company on their own website. It is important to use both types so that a car owner has a feel for average plans and rates.

A comparison website is a great tool for people who do not know which company they want to work with whereas a specific provider’s website is perfect for people who have a working list of possibilities.

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Be Honest

When filling out these forms, it is important that people are honest.

Being honest means inputting:

Being accurate during this form filling process ensures that the quotes one receives are accurate. Otherwise, one may be working with misleading quotes, which defeats the purpose of hunting down such rates.

Use More than One Quote Generator

When looking for rates, one should use a number of resources. Using more than one quote generator ensures that people are getting an accurate view of what insurance companies have to offer. Some websites have deals with specific insurance companies.

Only these groups will be listed when a list of quotes is generated. Using many resources ensures no rock is left unturned and that people find the right plan and rates for them. A basic Internet search will turn up many such comparison websites to help people with this hunt.

Look at What Is Included in the Plan

The next step is to look at what the quote includes.

The lowest rate is not always the best plan. Instead, it is important to look for a quality policy: coverage for a variety of situations. It makes no sense to pay a monthly premium if you are not properly covered by the plan.

This is why one should read up on what a quote includes: the type of insurance and the additional features linked to the plan.

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Know What One Wants

When sifting through the quotes, one needs to have a working idea of what he or she wants, which entails:

  • understanding one’s budget for the insurance plan
  • the type of coverage a person wants
  • knowing whether or not it matters if there is a local office nearby

Understanding one’s needs makes it easier to narrow down the choices when looking for insurance quotes online.

Read the Fine Print

Although there are instant online car insurance quotes available, it is important to read the fine print. A quote could be given, but this does not mean the contract a person signs will include everything the quote promised. A quote gives a person something to work off of.

When it comes to actually signing on with a provider, it is important to read the document carefully.

This ensures a car owner understands what is and is not included in the policy.

Investigate the Reputation of the Provider

Any quote that seems too good to be true probably is. This is why people really need to research the reputation of a car insurance company. Loved ones may have some advice about which provider to use, and there is always a wealth of information available online.

One’s gut reaction is important too. It is important to follow up an online quote with a phone call and even a face to face meeting. The best companies have polished looking websites, lots of experience in the insurance world, are well-known, and have staff who are helpful and honest.

Instant car insurance quotes are useful because they give people a place to start when shopping for a policy.

However, one needs to understand that a lot could be hiding behind this quote. Research, follow-up conversations, and getting everything in writing is important. Thanks to technology, instant online quotes help people shop and compare rates and policies.

This makes it easier to find providers and affordable rates. With a healthy dose of skepticism and some hard work, one can find an insurance plan that will cover car and driver alike.

Enter your ZIP code into the below FREE tool now to start comparing!

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

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