Where to Get Free Auto Insurance Quotes

You can find free affordable car insurance quotes through car insurance comparison websites. Compare online by entering your ZIP code and save up to $859.

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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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Reviewed byJoel Ohman
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UPDATED: May 15, 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...

  • One of the best places to find cheap car insurance quotes for free is through car insurance quote comparison websites
  • Insurance broker agents do not charge to provide quotes for auto insurance rates and in most cases
  • The best method is to ask about discounts when you purchase your insurance policy

Auto insurance is a requirement to drive in most states in the United States. However, finding affordable auto insurance can be an easy process once you know what kind of insurance you need and where to look for car insurance rate comparisons.

Beyond auto liability insurance, it is important to consider other types of car insurance that will offer you further financial protection.

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

Is getting a car insurance quote free?

One of the best places to find free affordable car insurance quotes is through auto insurance comparison websites.

In most cases, you only need to enter your general information one time and you will receive auto insurance premium rate quotes from multiple insurance companies.

You will be asked for contact information, such as the following:

  • An email address
  • A telephone number

Most car insurance comparison websites contract with insurance agents and companies for contact information for people who are interested in car insurance.

Free Car Insurance Comparison

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

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Independent Insurance Brokers

Another source of information regarding affordable car insurance quotes is independent insurance agents.

Agents do not charge to provide quotes for auto insurance rates and in most cases, they represent several different insurance companies and can provide you with multiple quotes for rate comparisons.

One advantage of working with an independent insurance broker is that they will take the time to talk to you about your insurance needs and can make recommendations regarding what kind of insurance you need and ways to save you money.

Also, most independent insurance brokers will regularly review your insurance policy when it comes up for renewal and try to keep your premium rates down.

Free Car Insurance Comparison

Compare quotes from the top car insurance companies and save!

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Insurance Company Websites

You can also go directly to insurance company websites for free quotes for auto insurance. Insurance provider websites can provide you with a great deal of information regarding the other insurance and financial products the insurance company offers.

For example, many companies offer discounts when combining any of the following types of insurance:

  • Life
  • Homeowners
  • Rental
  • Recreational vehicle insurance

When you are looking for affordable car insurance, it is important to understand what you are buying and the choices you have for coverage.

Although most states require you to carry at least a minimum amount of liability car insurance, it generally is not enough coverage if you get in a serious auto accident, so it is advised to purchase additional liability insurance.

No matter what type of car insurance you are looking for we can help you find it.

Liability Auto Insurance

Liability car insurance provides payments for repairs needed to someone else’s car if you cause an accident. It also pays for their medical treatments if they are injured. It does not pay for damages to your car or for injuries to you or your passengers.

If you do not have enough liability insurance to pay for the damages or injuries, the other party may sue you for the balance of the expenses.

Since mandated liability insurance levels are typically extremely low, it is a good idea to purchase additional coverage if you can afford it. More information on car insurance is available online.

Free Car Insurance Comparison

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

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Other Types of Coverage

Collision car insurance pays for repairs to your car, even if you cause the accident. Collision coverage can be especially valuable if you have a newer car or your car is financed or leased. It is required coverage if your car is leased or financed.

Comprehensive auto insurance pays for damages to your car that are not caused by running into something.

For example, it pays for damages to your car that are the result of being hit by a tree limb or rocks.

It also pays for damages that are the result of:

  • Hail
  • Floods
  • Fires
  • Vandalism
  • Theft

If your car is financed or leased, you are required to carry comprehensive auto insurance.

Personal injury protection insurance is also known as PIP or “no-fault” insurance and is required in 15 states. It pays for medical expenses regardless of who is at fault in an accident.

In addition to doctor visits and hospital expenses, it also pays for rehabilitation expenses, lost wages, and legal expenses.

If your car is financed and it is in an accident and declared a total loss, you will only be paid for the value of the car at the time of the accident. In most cases, this amount is far lower than what you owe on the car if it is leased or you have an auto loan on it.

However, you are still financially responsible for the balance due even if the car is totaled. Gap insurance pays the difference between the value of the car at the time of loss and the amount you owe on your auto lease or car loan.

How to Keep Car Insurance Costs Down

There are many ways to keep your car insurance premium costs down if you are diligent. The easiest method is to ask about discounts when you purchase your insurance policy.

Often, insurance companies offer discounts if you have multiple cars on your policy or you bundle your car insurance with other kinds of insurance.

Other discounts include:

  • Good driving record
  • Loyalty
  • Good student
  • Senior

Another method of keeping your car insurance rates low is to evaluate your insurance needs each time your policy comes up for renewal.This means deciding how much coverage you need and if the premiums are worth the expense if you need to file a claim.

You should also compare rates each renewal period to make sure you are paying the lowest rate possible for your car insurance.

Finding affordable car insurance premium rates is easy when you know where to look. For the best rates possible, compare rates of at least three insurance companies, making sure you are comparing similar levels of coverage and the same types of car insurance.

We can help you compare car insurance quotes for free! Just enter your zip code below!

Free Car Insurance Comparison

Compare quotes from the top car insurance companies and save!

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