How to Compare Car Insurance Quotes
Two car insurance quotes can look similar and still cover very different things. Here is a simple way to compare them fairly.
Compare the same cover, not just the price
Always ask for quotes with the same liability limits, the same deductibles and the same optional cover. A cheaper quote may simply cover less.
The main types of cover
- Liability: pays for damage or injury you cause to others. Minimum amounts are set by each state.
- Collision: helps pay to repair your own car after a crash.
- Comprehensive: helps with things like theft, hail or a fallen tree.
- Uninsured or underinsured motorist: helps if the other driver has too little cover.
Understand the deductible
The deductible is what you pay first when you make a claim. A higher deductible usually lowers the premium, but you need to be able to afford it on the day.
Ask about discounts
Common examples include bundling home and auto, safe driving records, and low mileage. Which ones apply depends on the insurer and your state, so ask the agent directly.
What to have ready
- Driver details for everyone on the policy
- Vehicle details
- Your current policy, to compare line by line
Questions
Does a quote affect my credit?
Insurers may use different rating factors depending on your state. Ask the agent what applies to you.
General information only, not financial, legal or insurance advice. Rules, prices and benefits vary by state and by policy. A licensed professional can explain what applies to you.