Free Car Insurance Hotspots for Quote Comparisons

Free car insurance hotspots are insurance comparison sites like this one. Free car insurance quote comparisons rely on your driving history and the history of your vehicle. Enter your zip code below to get started.

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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: Sep 15, 2020

Advertiser Disclosure

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...

  • You can search individual insurance company websites, but that takes a long time
  • A comparison search website will help you narrow down your top choices a lot faster than searching individual insurers
  • A lot of factors go into the determination of your premiums
  • There are many things you can do to help keep your rates as low as possible

One of the best places to go for a free car insurance quote comparison is to a third-party quote site. This allows you to compare multiple quotes from a variety of companies without having to do a lot of shopping around.

You can gather quotes from other sites and compare them separately but that takes a lot of time.

Car insurance is a necessity for most drivers but that doesn’t mean that it has to be expensive.

Many things can affect how much you pay and you will be able to make a better comparison if you understand the aspects of car insurance and how it works. Sometimes you may choose to pay more for a better policy.

Your comparison of car insurance quotes can begin now by placing your ZIP code into the FREE quote box on this page!

How a Quote Site Works


The fastest place to compare car insurance quotes is through a third party quote site, like the one you are on now. Unlike specific insurance websites where you can get a quote, these quote sites are not insurance companies themselves.

Each quote site is affiliated with a number of different insurance companies that offer to give out quotes in order to gain more business. It is free to use these sites and you usually get quotes within minutes.

In order to give as accurate of a quote as possible, you will be asked for some information that will be used by each of the insurance providers to determine your risk level. You will be asked for:

  • Your age
  • Your gender
  • Your relationship status

You will be asked to provide information about the vehicle that you drive as well as how much you drive it. Any driving history, especially anything on your record over the last three years, will be needed.

Drivers with serious traffic violations or multiple accidents will pay higher insurance rates, state the experts at the Insurance Information Institute.

It may seem strange, but you will also need to provide information about your credit history. If you are unsure as to what your credit record contains you can request a copy through a company such as Experian.

You should always be as honest as possible when answering questions on a car insurance application, as lying is fraud and can bring unfavorable consequences down the road.

Finally, you will need to decide on what types of coverage you would like to have on your policy. This is where it can be confusing, as you may not be sure what type of insurance you need.

This is where speaking with an agent or referring to the Insurance Information Institute would be a good idea.

Free Car Insurance Comparison

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

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Types of Car Insurance Coverage


An important thing to decide is what types of coverage to include on your car insurance. You want enough to cover you but not more than what is necessary.

The first thing to do is check with the insurance department in your state to see what is mandated in your state. Each state has laid out its own requirements as to what types and how much insurance each driver needs to carry.

Most states require you to at least carry liability coverage. This is for both bodily injury and property damage of the other vehicle when you are the cause of an accident. This type does not cover any damage to your vehicle or people in your vehicle.

Ironically, even though most states require everyone to carry liability coverage, some states also require you to carry coverage for uninsured motorists.

Even if not required, uninsured/underinsured motorist coverage helps cover expenses if you are hit by one of the 13.8 percent of motorists who have refused to purchase insurance.

It also helps cover damages if the other driver caused the accident and is not carrying enough insurance to cover everything.

In some states, medical coverage is required. The name is different depending on which state it is, but it is referred to as personal injury protection or medical payments.

This helps pay for injuries that you incur or injuries of any of your passengers. It is a good idea to carry some sort of medical coverage, especially if you do not have sufficient health insurance.

Besides what is necessary to meet state requirements, there are other types of coverage that you may find helpful. If you have a nicer car, it is a smart idea to carry coverage to help cover damages done to it when you are the cause of the accident.

For your own property damage, you can choose among comprehensive coverage and collision coverage. Collision will cover damage from hitting another car or property.

Comprehensive will help cover damage from anything else. If you lease or finance your vehicle, your lender more than likely will require that you carry this coverage.

Keep in mind that both collision and comprehensive coverage are accompanied by a deductible, which will affect your rate quotes.

Most drivers choose between a $500 and $1,000 deductible. The lower the deductible the more you will be quoted for your premium.

Understanding what the different coverage mean and what would be best for your vehicle and finances will help you discern the different quotes you receive.

What to Do with the Quote Information


After filling out all of the information, you will be contacted with quote information from representatives from the companies that can serve you the best.

These may be delivered through a phone call or via email, depending on your preference. Once you get them, you will have the opportunity to sign up for a policy right away.

The key is to not make a hasty decision. It may be tempting to choose the company with the lowest quote but this is not always the best way to go. It is worth your time and effort to gather your three or four top choices and dig a little deeper.

Choosing the Right Car Insurance Provider

The provider with the lowest quote may be a great company but it is worth taking the time to make sure. Your state insurance department can be a great source to research the background of any auto insurance company.

Check to make sure the companies you are comparing all are able to sell insurance in your state. Also, ask if there have been any:

  • Negative reports or sanctions against any of the companies
  • Complaints
  • Fines or government sanctions

Your next source to check out is an organization or agency that rates insurance companies, such as A.M. Best or Standard and Poor’s. You want to make sure that the provider you choose is financially stable.

Look at their ratings, company size, as well as their future outlooks. If a company does not rate favorably, move on to the next one.

Free Car Insurance Comparison

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

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Other Free Quote Sources


If all you would like to do is get a quote from one company and compare it to what you are currently paying, you have other options to get it.

Perhaps you heard or read an advertisement for affordable car insurance, or you have a friend who has been bragging about his or her low rates.

If you know the name of the insurance provider you would like to get a quote from, you can visit the company directly. You can meet with an agent face-to-face, call a toll-free number, or go to its website.

If you meet with someone face to face, bring along the declarations page from your current insurance policy.

This will help the agent make a side-by-side comparison with the same coverage. Even if you use the phone or internet to get a new quote, have your current policy information handy so that you are getting a quote for the same coverage features.

Keep Continuous Coverage

You may be looking for a free quote comparison because you are unhappy with your current policy and are looking to change providers. If you are dissatisfied with the insurance company you are with now, you should definitely search for a new one.

Just make sure that you don’t cancel your current policy until your new one is in effect.

Driving without any insurance coverage is dangerous. If you happen to get into an accident during that period of time, you may find yourself in a huge amount of financial hurt.

Because it is a requirement, you also will receive a fine for not carrying insurance and will get your license suspended in many circumstances.

Insurance companies frown upon any sort of gap in insurance coverage. This is true even if it was a short gap, such one day. That is why it is so important to hang on to the policy you have had until you are positive you are covered by a new carrier.

If you are shown to have had a gap in coverage you will be charged a higher policy rate in most situations.

Once you have another policy in place, you can cancel your old coverage and show proof that you have new coverage. You should be reimbursed for the overlapped policy period. Oftentimes your new agent can cancel on your behalf if you request them to do so.

Compare free car insurance quotes right here by inserting your ZIP code into the FREE quote area!

Free Car Insurance Comparison

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

 Secured with SHA-256 Encryption