How do I compare auto insurance prices?


There are two ways you can compare automobile insurance rates: you can either do it online through specialized car insurance websites, or contact a qualified independent insurance agent who will guide you through the process of finding the best auto insurance quote. Or you can do both.

The major advantages of shopping around for auto insurance on the Internet, is its wide accessibility. Today, anyone can visit a car insurance instant quote website and get a long list of quotes. Not only can you compare auto insurance prices and conditions yourself, but sometimes the online quote tool does it for you, explaining in detail the differences between all offers.

Of course, you can always contact an insurance agent if you are a special case and you need personalized attention. Don't forget that you will have to pay the agent, whereas comparing prices on the Internet is absolutely free.

Comparing Auto Insurance Prices - Step by Step

Getting a quote is a standard procedure. Here is what information you will be required to provide in order to get an auto insurance quote:

  • Information about the vehicle:
    • Zip code
    • Year, make, model and trim of your vehicle
    • Any ABS security?
    • Usage - what the automobile is used for
    • Mileage
    • Type of security system installed - options include audible alarm, Lojack, Teletrac, etc.
    • Where the car is parked overnight
    • Whether the car is leased
  • Your personal coverage preferences:
    • You need to choose a collision and other-than-collision deductible.
    • You must then select the bodily injury and property damage liability coverage you need - choosing between State Minimums, Good Coverage, Better Coverage and Maximum Coverage.
    • You can add Medical Payments coverage if you want to.
    • You can also include additional services, such as towing coverage, rental reimbursement, uninsured motorist property damage.
  • Personal information about the primary driver, such as age, marital status, occupation and current work status and level of education is required. More drivers can be added later.
  • Once you have answered all questions, you will be presented with a list of insurance companies whose agents promise to contact you with a concrete offer. Few companies give you an auto insurance quote automatically. Some email the quote to you within hours, while others ask you to provide your Social Security and automobile plate registration number.
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