If you want to save money, you need to know how to navigate the auto insurance quote process. We will show you how to get auto insurance quotes and what to do once the rates are received. Since we have already evaluated the various insurance companies, we know who the best suppliers are. We will now share the industry leader automatic quotation process with you.
Whenever you purchase auto insurance, we recommend that you get quotes from multiple suppliers so that you can compare coverage and rates. In addition to the insurance company you choose, factors such as your age, vehicle make and model and driving history can influence your premium, so what's best for your neighbor may not be the best for you.
Use our tool below to start comparing personalized auto insurance offers:
In this article:
What is an auto insurance quote?
Insurance quotes are simply the estimate of what you will pay with a potential carrier. These automatic citations are subject to change, based on the information you choose to share. The more open you are with the answers, the closer the estimate will be to the actual prize.
If you choose to get a quote, it won't take you long, especially if you do it online. Those who choose to use an insurance agent may have to spend a little more time. Also, if you plan to make comparative purchases, you will need to check the insurance rates of multiple suppliers. While this may take additional time, you can save a lot of money by comparing the quotes.
What determines the rate of an auto insurance quote?
Insurance providers take several aspects into consideration when providing you with an automatic quote. While everyone has their own set of criteria, the Insurance Information Institute says these are the main factors.
If you have no accidents and a clean driving record, you can expect lower premiums. Insurance companies assess the risk based on what has happened in the past. Safe drivers normally receive a discount and access to perks, such as accident forgiveness.
Car insurance quotes base the premium on where you live. Urban residents will pay more than those living in rural settings. Also, parking in a garage can sometimes help cut the fare.
If you travel long distances every day, you run a greater risk than someone who drives only occasionally.
Younger drivers often pay a lot more because they have no experience. On the other hand, seniors can also see an increase in premium costs as they continue to age.
A high credit score indicates that you are responsible and less likely to file a complaint. If you have a damaged credit, you are considered a risk.
Suppliers have a list of the most expensive cars to insure and the cheapest. If the vehicle costs a lot and the parts are expensive, you can bet that the cost of insurance will also be high.
If you only have a third party liability insurance, you will pay a lot less than if you have a full collision, but you will be responsible for more out of pocket.
You can choose a reduced deductible to minimize out-of-pocket expenses, but this increases the cost of the insurance policy.
Statistically speaking, women receive lower insurance premiums because they participate in less risky behavior.
Are auto insurance quotes free?
You should never pay for an auto insurance quote. If you do, there is something wrong with the company and you should look elsewhere. Insurance providers are looking to get your business, which is why you can get free auto insurance quotes. Most companies allow you to search for free auto insurance quotes online or by calling customer service.
How to get auto insurance quotes
When the time comes to get free auto insurance deals, we recommend the following steps.
Research what you are asked for by the state: compulsory insurance coverage varies by state, so it's helpful to know what you need. Generally, it is recommended to obtain coverage above the minimum coverage, but this is a good starting point.
Get a copy of your existing auto insurance policy: you can get a quote based on the same coverage limits to determine which supplier offers the best offer.
Keep your driving license handy: you will need the identity cards of anyone present on the policy.
Collect vehicle information: the insurer will need to know the year, make, model and vehicle identification number (VIN). All of this should be listed in your current political practices.
Choose coverage levels: after sharing all your personal information, you will want to choose the coverage level. Consider the various coverage options for personal injury, property damage, outfits and collisions. You need to fully understand the policies and know what the coverage levels mean. If you are not insured, you may be liable in the event of an accident.
Choose additional benefits: some companies will provide additional benefits at a cost. You can add coverage such as rental car, roadside assistance and GAP coverage.
Ask for discounts available: many companies have a list of discounts given for things like safe driving, good grades and grouping policies. If these discounts aren't offered automatically, be sure to ask. You can save a lot of money simply by working with the same provider who has home owner insurance or life insurance. You might consider starting from there for your quotes.
Compare automatic quotes
We always recommend getting multiple free auto insurance quotes and comparing coverage levels. This helps you decide which company is providing the best plan. You want to take a look at the prices and coverage levels, but there is much more to think about. As we did in our assessment of the best insurance providers, it helps compare suppliers based on several criteria.
Price: even if you receive a higher quote, don't automatically assume that every quote will be like this. Rates vary greatly from one company to another. You will likely find a supplier offering cheap auto insurance if price is your main criterion.
Discounts: since there are special discounts available, the starting price is not all you want to see. If you drive safely, have a good credit score or keep a good grade at school, you may get even bigger discounts.
Financial stability: you want to work with a company that can pay insurance claims. Search for ratings through AM Best to ensure a stable financial reputation.
Customer Service: When the time comes to file a complaint, you don't want the runaround. You want to work with a company that excels in customer support. To find the data, it is necessary to determine the location of the provider, use tools such as Better Business Bureau (BBB), J.D. Power and online reviews.
The following tool simplifies the comparison between quotes from different auto insurance companies:
Do some providers offer better automatic quotation processes?
If you plan to make comparative purchases, you don't want to deal with bulky websites and screens that are difficult to navigate. That is why it is helpful to review the listing process itself to see which suppliers excel in this department.
Personally, we love the Progressive Name Your Price tool which allows you to customize your plan based on your budget. In addition, the company is happy to share quotes from other major suppliers to help you determine who provides the cheapest auto insurance quotes. This tool is useful if you have limited time and cannot purchase auto insurance.
Other than that, J.D. Power conducted the 2019 United States Insurance Shopping Study. Among the rankings, you may be surprised to learn that Erie Insurance has passed the rankings for the seventh consecutive year. The study interviewed 14,000 insurance buyers to measure satisfaction. This score was determined by three factors, including price, policy offers and distribution channels.
The main suppliers, according to the research, were the following.
It is important to note that USAA would have ranked second based on the provider's score, but was not included due to the exclusivity.
The best insurance providers to get automatic quotes
Among these companies, we have our personal preferences when it comes to receiving free auto insurance quotes. Here are the brands we recommend.
Free quotes from the USA
If you are a military member, a veteran or a family member, you can receive cheap insurance rates from USAA auto insurance. This company is not only excellent at providing affordable plans, but USAA is also known for superior customer service.
Whether you are getting a quote or filing a complaint, you will find that customer satisfaction scores rank first. The 2019 auto insurance study conducted by J.D. Power indicates that this supplier is a leader in the sector.
In addition, the company provides a free USAA mobile app that you can use to manage your account and track insurance claims.
In addition, you can use the following benefits with USAA:
Refund of rental car
Car Replacement Assistance (CRA)
Unfortunately, plans aren't available for everyone, so you may not be eligible for coverage.
Free quotes from Geico
Geico auto insurance is one of the most popular names in the insurance world, but the company offers much more than a family brand. Auto insurance quotes tend to be low, even if you have a not so perfect driving record or low credit.
While the supplier manages to maintain an A + rating with the BBB and high marks in the 2019 auto insurance study, we can't understand what happened with the other research. Note that the 2019 United States Insurance Purchasing Study ranks Geico only as an average company in the purchasing process.
However, it is worth taking the time to scroll through a quote and see at what rates they qualify. With all the discounts available, you will likely have a decent discount.
Additionally, you can choose some of these perks with your coverage.
Car transit insurance
Coverage for mechanical failures
Refund of rental car
Free quotes from Progressive
If you want to try the progressive auto insurance price comparison tool yourself, you probably won't be disappointed. It is simple to use and allows you to take some time back. Progressive is also known to have lower rates if you have a tarnished record compared to other companies.
While Progressive only ranks midway between the 2019 Auto Insurance Study and the 2019 United States Insurance Shopping Study, we still believe it is a quality option. If you don't want to do comparative research alone, why not let Progressive do it for you?
In addition, the company offers some optional benefits, including:
Refund of rental car
Payment of the loan / leasing
How often should you get free quotes for auto insurance?
By now, you understand that getting auto insurance quotes is essential to finding the best price. Having said that, how often should you re-quote to see what the new rates are? We hate to advise you to leave a supplier with which you are satisfied, but it never hurts to shop for auto insurance. That said, don't leave a company based solely on price, because good service is worth its weight in gold.
However, we recommend making purchases with each renewal. That doesn't mean you have to jump at every slower speed, but it helps you determine your position and lets you know what's available.
Many people find that auto insurance rates jump a little every time they renew automatically. If you stay stagnant and never look around, you may find that one day you are paying too much. Imagine what you could do with the extra money you save.
Use the following tool to collect and compare auto insurance quotes from suppliers available in your state:
Read our other insurance articles: