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How to Compare Auto Insurance Quotes

Daniel Walker
Licensed Insurance Agent for 15 Years

UPDATED: Mar 19, 2020

Advertiser Disclosure

It’s all about you. We want to help you make the right coverage choices.

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.

Here's what you need to know...
  • Obtaining car insurance quotes from multiple companies is one of the best ways that you can make sure that you are paying the lowest price possible for your auto insurance
  • There are a variety of factors that influence your premium, which is the amount that you will pay for car insurance
  • Every insurance company has a different formula used to determine your premium, which is why you may be offered a better rate for some companies than others
  • Price should not be the only consideration for you in selecting an auto insurance company
  • Make sure to ask about which discounts you could qualify for from various auto insurance companies
You should be ready to do your homework before you commit to an auto insurance company.

There are many ways to compare auto insurance quotes online, and they are definitely worth the effort because you can make sure you are paying the lowest premium possible by taking your time to shop around.

When you shop around for auto insurance quotes, be sure that you are also clear on the types of coverage that may be right for you and your family.

Begin shopping now by entering your zip code in the free tool above!

Considering the Different Types of Coverage

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You may be aware that all drivers are required to maintain a minimum level of basic auto insurance for liability coverage in each state. In fact, this is true for every state in the U.S. except for New Hampshire.

The coverage requirements vary by state, but they are the most important starting point in making sure that you meet your legal obligation to maintain auto insurance.

In addition to liability auto insurance, you may also want to consider underinsured and uninsured motorist coverage. This type of coverage will protect you in the case that you are hit by a driver who does not maintain sufficient auto insurance.

This is something you may want to seriously think about because the Insurance Research Council estimates that at least one in six U.S. drivers does not have auto insurance, even though it is a legal requirement to drive.

If your car is hit by a falling object or damaged by severe weather, comprehensive coverage could help to cover your damage. Similarly, collision coverage will cover you in the event that your car is involved in a collision.

For example, if you hit a wall with your car, collision coverage could help you to repair the damages up to your policy limits. You will likely have some amount of a deductible for these optional coverages.

One way to reduce the amount that you pay for your auto insurance premium is to consider increasing the amount of your deductible.

This is the amount that you will pay out of pocket to repair your car before your auto insurance coverage kicks in to cover the cost of the rest of the damage.

Different Factors that Could Affect Your Premium

If you are wondering what influences the different rates that you are quoted for various auto insurance policies, you should keep in mind that different auto insurance companies evaluate these factors differently.

The combination of all of these factors will help your auto insurance company to determine how much of a risk you are to insure and what your auto insurance premium will ultimately be. The following are some of the factors considered:

  • Driving record
  • Credit score
  • Age
  • Gender
  • Type of vehicle

Your driving record is probably the most important thing that auto insurance companies will look at to determine your premium. If you have not had any accidents in the past three years, you will likely pay a lower rate for auto insurance.

In addition, auto insurance companies will consider your credit score in evaluating the risk to insure you. If you have exceptionally poor credit, you should expect to pay more for your auto insurance because you are considered a higher risk driver.

If you are a newer driver, your age, gender and number of total years driving could affect your premium. Generally speaking, the newer you are to driving, the higher risk driver you are to insure, and your rates will be higher.

In addition, young males tend to pay more than female drivers for auto insurance premiums.

The type of car you drive may also have an impact on your premium. If you have a flashy sports car, this will cost more to insure than an average sedan. In addition, if you buy a used car, the condition of the car can affect your auto insurance premium.

Choosing the Right Auto Insurance Company

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One of the first things that you should do in deciding whether an auto insurance company is a good fit for you is to check that they are allowed to operate in your state.

Your state department of insurance maintains an updated list of all of the licensed auto insurance companies that you can choose from to make sure that you are complying with state laws on auto insurance coverage.

Another consideration in choosing an auto insurance company is whether they will be around for many years and that you can have peace of mind when you file a claim.

One way to check into this is to consult the major rating agencies to evaluate the financial strength and stability of the auto insurance company you are thinking about using.

Never underestimate the value of personal experience. Friends and family are great resources when it comes to finding out about the customer service record of an auto insurance company and how effective they are at resolving a claim.

You do not want to choose an auto insurance company that is unpleasant to deal with or has a history of not honoring policy agreements.

Price will always be a major factor in what auto insurance company makes the most sense for you. One starting point for getting a basic understanding of price ranges is to consult with your state department of insurance.

They typically post price ranges for insurance based on different areas of your state. Keep in mind that many specific factors will influence your individual policy so this should only be used as a very general guideline.

While shopping around may seem like a hassle, it is actually very easy to request different auto insurance quotes. This is important for making sure that you get the best price. You should also think about the type of coverage that is right for you.

Enter your zip code below to begin finding the right coverage at the right price.

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