4 Best Sites To Get Free Car Insurance Quotes
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Like most people, you could probably be saving more money on car insurance. Of course, shopping for car insurance probably isn’t the first item on your to-do list either. It’s frustrating, time-consuming, and not exactly fun.
But getting car insurance quotes doesn’t have to be difficult. Fortunately, there are certain sites that will give you free car insurance quotes so quickly that you won’t even have to leave your couch or pick up the phone.
If you need a reason to check out your latest car insurance rates, we’ve got three of them. Here are four sites you should use to get free car insurance quotes.
Liberty Mutual is an insurance company that most people have heard of, and it is currently the sixth-largest property and casualty insurance company globally. This company is known for not only offering many different types of insurance but also helping people save big when they bundle auto and homeowners insurance.
Why we like it: You can file a claim in 5 – 10 minutes. The company offers 17 different discounts for auto insurance alone, and claims you could save $842 when you bundle auto and home insurance.
Lemonade starts with fair prices because the policies are actually priced based on how you drive. Get a discount for driving with the Lemonade app, and earn a lower premium as you drive better. They also include crash detection and emergency assistance. You can get free roadside assistance that covers everything from tows, to jump starts, and tire changes! Lemonade car insurance is only available in Illinois, Ohio, and Tennessee.
Why we like it: Lemonade car insurance starts at just $30 a month. Low mileage drivers can qualify for a discount to pay less as well. Want to bundle your car and home insurance? You’ll get an additional discount when you bundle with home, pet, or life insurance from Lemonade. The Lemonade app has a 4.9 out of 5 stars rating in the App store. Lemonade also plants trees to help shrink your carbon footprint from driving.
EverQuote is an insurance comparison site. While they do not offer their own car insurance, they help you with the shopping experience by finding you quotes for free! All you have to do is provide a few details about your vehicle and EverQuote will track down rates while you sit back and relax.
Why we like it: Get multiple rates in minutes and compare them in one place. Find companies you might not have thought to check out.
While other companies use your age, credit score, and other factors to determine your rates, MetroMile uses a much different formula. The company charges a low base monthly rate of $29 and then uses a per-mile rate to determine your full monthly payment. Get a free quote online in just a couple of minutes!
Why we like it: People who drive less are rewarded with lower rates. The average customer saves $741 per year when they switch to MetroMile.
MetroMile is currently only available to drivers in Arizona, California, Illinois, New Jersey, Oregon, Pennsylvania, Virginia, and Washington.
What Are Auto Insurance Quotes for Car Insurance?
An auto insurance quote is an estimate of how much you can expect to pay for a policy with an auto insurance company. Car insurance companies use information, such as your age, credit score, driving history, your vehicle, and other factors to determine how much you’ll pay.
Of course, quotes also vary from company to company, even if they use the same information to create your quote. For this reason, it’s smart to get multiple quotes whenever you’re looking to find a new car insurance policy.
Can You Get Free Car Insurance Quotes?
Yes, many companies offer free car insurance quotes as an incentive to buy a policy with them. This means that you can get multiple car insurance quotes for free before you commit to any one company.
What Is the Best Way to Get Car Insurance Quotes?
There are all sorts of ways to get car insurance quotes. Getting a quote online is one of the fastest and easiest ways to get a quote. You can also get a quote over the phone, either with a company agent, an independent agent, or an insurance broker.
Before getting a quote, look at auto insurance reviews to determine which companies have the strongest reputations and highest customer satisfaction ratings. Then, get quotes from multiple companies for the same coverage and compare them to each other. Understanding coverage limits and deductibles will help you make sure you’re comparing apples to apples!
What Information Do You Need to Get a Free Car Insurance Quote?
While the process of getting a free car insurance quote isn’t a lengthy one, you will need to make sure you have the following information on hand:
- Personal details, such as a name, birthdate, address, and occupation for each person on the policy.
- Driver’s license information for each person on the policy.
- The vehicle’s make, model, identification number, current mileage, average annual mileage, and whether you own, finance, or lease.
- Driving history for each person on the policy. This should include not only accidents but also tickets and violations. Companies will double-check your driving history before finalizing your rate.
- The coverage you need for your policy.
How to Get the Cheapest Car Insurance Quote Possible
One of the best ways to ensure that you’re getting the cheapest possible car insurance quote is to shop regularly. Rates are constantly changing, and your cheapest option a year ago may no longer be your cheapest option today.
Beyond shopping, there are other strategies to consider that might be able to help you get cheaper car insurance quotes:
- Shop rates before you buy a car. Before you buy that new fancy car you’ve got your eye on, consider that certain cars are more expensive to insure. It’s a good idea to compare quotes for the same coverage across makes and models that you’re considering.
- Drive responsibly. If you have a poor driving record, you’re almost guaranteed high car insurance rates. Most companies look at your driving history over the last three to five years, so staying incident-free over a three to five-year period should help you get cheaper rates.
- Improve your credit. Your credit score has a significant impact on your car insurance rates. Borrow responsibly, pay your bills on time, and take the necessary steps to build your credit if you hope to get lower car insurance rates.
- Get a higher deductible. If you’re able to pay more out of pocket after an event, consider getting a higher deductible. This will lower your monthly premium.
Why Do I Need to Compare Auto Insurance Quotes?
No two companies are likely to quote you the exact same rate for a car insurance policy. Getting car insurance quotes from multiple companies and comparing them is the best way to ensure that you’re getting the lowest rate available to you for the coverage you need.
As car insurance rates change frequently, it’s recommended that you compare quotes at least once per year, as well as when you move to another state or when your driving history changes.
Do I Need to Compare Auto Insurance Rates if I Move Out of State?
Where you live is actually one of the biggest factors impacting your auto insurance rates. Rates vary from state to state, as do auto insurance companies.
It might be that your current auto insurance company doesn’t serve the state you’re moving to or vice versa. So, it’s important that you revisit auto insurance rates whenever you move out of state.
What Goes Into a Car Insurance Quote?
There are all sorts of factors that impact the rate on your car insurance quote, and these factors are weighed differently from one company to the next. Certain personal characteristics are used to determine your risk of an incident. These characteristics often include the following:
- Marital status
- Driving history
- Driving frequency
- Credit score
While these personal characteristics have a significant impact on your rate, your rate is also dependent on the type of coverage you get. The more coverage you need, the higher your quote is generally going to be.
What Are Your Car Insurance Quote Options?
A car insurance quote will include the minimum coverages required by law in your state. Typically, this will include bodily injury coverage and property damage coverage (together, referred to as liability insurance), as well as uninsured motorist coverage.
Beyond these minimums, you have the option of including any of the following coverages in your car insurance quote:
- Collision insurance
- Comprehensive insurance
- Medical coverage
- Gap insurance
- Roadside assistance
- Rental reimbursement
Choosing the Right Coverages for Your Car Insurance Quote
There are three main types of auto insurance coverage that you should consider whenever you shop for a new car insurance policy.
The first type is liability insurance—which, in most states, is the minimum coverage required by law. Liability insurance is broken up into bodily injury liability and property damage liability, which covers another person’s medical expenses and wages and another person’s vehicle or property damage, respectively.
The second type is collision insurance. While liability insurance only covers damage to the other person involved in an accident, collision insurance also provides coverage for your own vehicle. Keep in mind that collision insurance typically requires you to pay a deductible during a claim, so it might not be worth getting a high deductible with a low-value car.
The third type is comprehensive insurance. While collision insurance only covers damage to both vehicles in the event of a crash, comprehensive insurance provides coverage for other events as well—including theft, vandalism, fires, floods, tornadoes, hailstorms, explosions, and more.
Take the following factors into account when choosing the coverages for your auto insurance policy:
- How often you drive and the traffic where you drive.
- The weather and crime rates in your area.
- The current value of your vehicle.
- How much you can realistically afford to pay out of pocket after an accident.
There are also other types of insurance you might choose to include in your policy, depending on your needs. These include the following:
- Gap insurance
- Roadside assistance
- Rental car reimbursement
- Uninsured/underinsured motorist coverage
Should You Get a Quote Online or With an Agent?
The truth is that you can get great car insurance rates online or with an agent. Whether you choose to go online or pick up the phone comes down to preference, as each method has its pros and cons.
Getting a quote online:
- Comes with less pressure to buy
- Allows you to adjust policy details in the same session
- May not be as accurate as a quote from an agent
- May make it difficult to get all of your questions answered
Getting a quote with an agent:
- Allows for a more accurate quote
- Allows you to troubleshoot complex issues
- May allow you to adjust the policy, but it may take longer
- May have longer wait times during busy hours
- May come with higher pressure to buy because of agent commissions
Getting Auto Insurance Quotes Doesn’t Have to Be a Chore
Checking your auto insurance rates should be something you revisit at least once each year. Moving to a different state, maintaining a clean driving record, improving your credit, or simply shopping with a different company are all factors that could allow you to get a lower premium.
Don’t miss out on your potential savings! With three of the best sites to get free car insurance quotes, it’s easy to check your rates and find out how much you could be paying.