Showing results for
Did you mean:
Sorry, something went wrong. Please refresh your browser and try again.
blog-hero

How to Get Fast Car Insurance Quotes Online

3 min. read

What is a Car Insurance Quote?

A car insurance quote is the price that you’re estimated to pay for auto insurance from a company. To provide a quote, insurance companies evaluate your risk (a process called underwriting). Generally speaking, insurers consider the following factors when providing a quote:

Different insurers are likely to offer different car insurance quotes because they will weigh certain factors differently, so it’s crucial to compare quotes from multiple companies. 

Keep in mind, the cheapest quote may not offer you enough coverage in the event of an accident, so don’t be guided simply by price – appropriate coverage and a reliable insurer are equally important.

Are Car Insurance Quotes Free?

Online car insurance quotes are absolutely free. All it requires is about 15 minutes of your time and some information. Depending on the companies that you get auto insurance quotes from, you’ll have to provide basic information about yourself, your driving history, your vehicle, and the coverage you want.

Where to Get Instant Car Insurance Quotes Online

By comparing quotes from different car insurance companies, it’s possible to find the right balance between good coverage and service and an affordable premium. 

Here are 10 major car insurance companies that offer fast, free car insurance quotes online:

  1. State Farm
  2. Geico
  3. Progressive
  4. Allstate
  5. USAA
  6. Liberty Mutual
  7. Farmers
  8. Nationwide
  9. Travelers
  10. Erie

What You Need to Get a Car Insurance Quote

Before you get online car insurance quotes, there is some information that you can gather to make the process fast and smooth. Have the following information ready when gathering car insurance quotes online:

  • Personal information, including your birthday, social security number, address, and home ownership status
  • Your driver’s license
  • Your driving history, including all tickets, accidents, and infractions
  • The driving history of other drivers who will be under your auto insurance policy
  • Your insurance history, including claims made, previous company/companies, losses incurred, etc.
  • Your vehicle’s make, model, year, and mileage
  • Your vehicle’s safety features, such as airbags, anti-lock brakes, etc.
  • Certifications from any driver safety courses

How to Compare Car Insurance Companies

While price is important, there are other factors to consider when choosing a car insurance company. Be sure to consider the following:

  • Financial strength: You can find about a car insurance company’s financial strength by looking up its rating with well-known and trusted independent reviewers, such as A.M. Best and Moody’s. It’s important to choose a company that has solid financials to follow through on paying out claims.
  • Coverage options: The amount of coverage offered by an insurance company is crucial when comparing online car insurance quotes. Each state has different legal requirements for minimum coverage, and it’s a good idea to get additional coverage above that minimum. You can find out about available coverage by talking to an agent or searching the provider’s website.
  • Customer satisfaction: Should you have any issues and need to speak to customer service, it’s important to have a positive experience. Look at customer satisfaction ratings from independent companies like J.D. Power and the Better Business Bureau.
  • Claims satisfaction: Filing an insurance claim is stressful, so you want to make sure your provider makes it as straightforward as possible. Consider reviews of the claims process from J.D. Power and Consumer Reports to learn how satisfied customers are with their claims experience.

What’s Next?

Related Articles

Homeowners Insurance FAQ

Homeowners Insurance FAQ

Independent vs. Captive Insurance Agents: What You Need to Know

Independent vs. Captive Insurance Agents: What You Need to Know

What Happens If Someone Else Gets Into an Accident in Your Car?

What Happens If Someone Else Gets Into an Accident in Your Car?

Is Pay-Per-Mile Car Insurance Right for You?

Is Pay-Per-Mile Car Insurance Right for You?