Finding the Best Auto Insurance Quote

To find the best auto insurance quote, you can use online tools or direct contact with insurance companies. Online quote tools give you accurate estimates, finding you the best auto insurance quote in minutes.

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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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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...

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Reviewed byJoel Ohman
Founder, CFP®https://res.cloudinary.com/quotellc/image/upload/insurance-site-images/ciccom-live/41b5e36b-joel-ohman.jpg

UPDATED: May 21, 2020

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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 insurance decisions. Comparison shopping should be easy. We partner with top insurance providers. This doesn't influence our content. Our opinions are our own.

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...


Are you looking for car insurance for a new or used vehicle? Are you wondering where to find the best car insurance quotes? If you answered yes to either of these questions, you’ve come to the right place for answers.

Finding good car insurance quotes is certainly not science. It just requires that you know what you’re looking for and where to find it.

Begin your search for the best car insurance quotes right now by entering your ZIP code into our FREE search tool.

Car insurance quotes come in all shapes and sizes. To get them there are several options, including automated online tools, direct contact with insurance companies via:

  • E-mail
  • Telephone
  • Local independent agents

Which method you choose depends on your own personal preferences. Some people are not comfortable doing business online, while others are. Still, others prefer a combination of both in order to maximize their efforts.

Is there any advantage of contacting insurance companies directly?

The biggest advantage to direct contact with insurance companies is that you get the most detailed quote in the shortest amount of time. Through direct contact, you eliminate the middleman and get right to the source.

Being on the phone will take a little bit longer than using an online quote tool, but you’ll get a more accurate quote.

The disadvantage of using this method is that it can be more time-consuming than necessary. When you first begin the quote process, the initial numbers you get are designed to help you narrow your choices down to three or four.

If you have to spend 15 to 30 minutes on the phone just to get an initial number, you could spend a couple of hours before you’re ready to narrow down your choices. For many people, this is too much time.

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Free Car Insurance Comparison

Enter your zip code below to view companies that have cheap auto insurance rates.

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Am I better off with an online quote tool?

If you’re not averse to doing business online, quote tools like the one on this website are a great way to get your initial numbers. It only takes a few minutes to enter the appropriate information and you’re done.

In the same amount of time it takes to get four quotes over the phone, you could get eight or more by using an online quote tool.

These results will give you a lot more companies to choose from when narrowing down the field to the final three or four.

The only thing to watch out with when using online quote tools is the fact that the prices they give you are fairly good estimates, but not necessarily accurate.

No computer program can do all the things a human representative can do, including verifying the information you provided.

Your premium could go up or down based on what an insurance company discovers when verifying your information. If you were inaccurate or incomplete in filling out the quote form, it will definitely have an impact on your final price.

Is there any reason to call an independent agent?

Many people view using an independent agent as a good middle ground between the other two options. The nice thing about local agents is that they represent multiple companies simultaneously.

By using an independent agent you need only submit pertinent information once and then allow the agent to produce multiple quotes from all the companies represented.

It’s a quick and easy way to get several policies to choose from.

That being said, there are a couple of disadvantages that cause some people to avoid using a local, independent agent. The first lies in the fact that the companies your agency represents may not necessarily be the best or least expensive in the business.

For example, he may represent two of the more expensive insurance carriers and only one budget carrier. You’re not going to get an apples-to-apples quote as you will with one of the other two options.

The other disadvantage comes from agents who are unwilling to allow you to compare policies side-by-side.

Since agents work on a commission basis, there are those in the industry who will offer you only one policy while at the same time assuring you that they are presenting the best one.

Sometimes you may have to press pretty hard to see the policies from all of their providers.

If you don’t like being proactive and asserting yourself, an independent agent may not be for you.

Ultimately, the best insurance quotes are the ones that give you all the necessary information to make an informed decision. Where to find the best quotes really depends on your preferences.

Just be sure that you have all of your questions answered and you thoroughly understand your options before making a choice.

Use our search tool to find the best car insurance quotes by simply entering your ZIP code now.

Free Car Insurance Comparison

Compare quotes from the top car insurance companies and save!

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