Instantly compare auto insurance quotes online.
Step 1: Gather Essential Information
Before requesting quotes, have these details ready: – Driver’s license numbers for all drivers – Vehicle information (year, make, model, VIN) – Current insurance information (if applicable) – Driving history details – Personal information (address, birth date, etc.)
Step 2: Determine Coverage Needs
Standard coverage options to consider: – Liability coverage: Bodily injury and property damage – Collision coverage: Repairs for your vehicle after an accident – Comprehensive coverage: Protection against theft, vandalism, weather damage – Uninsured/underinsured motorist: Coverage when at-fault driver lacks insurance – Personal injury protection: Medical expenses regardless of fault (required in some states).
Step 3: Compare Quotes Online
Top platforms for comparing multiple quotes: – NerdWallet – The Zebra – Insurify – Progressive (compares its rates with competitors) – Major insurance company websites (GEICO, State Farm, Allstate,etc.)
Step 4: Analyze Your Quotes
When comparing quotes, check that: – Coverage limits match across all quotes – Deductibles are the same for each quote – Policy terms are the same length (6-month vs. 12-month policies) – Special features are noted (roadside assistance, accident forgiveness, etc.)
Step 5: Research the Companies
Before making your decision, research: – Financial stability ratings (A.M. Best, Standard & Poor’s) – Customer satisfaction scores (J.D. Power) – Complaint ratios (National Association of Insurance Commissioners) – Claims process reviews – Mobile app and online account management capabilities
Step 6: Look for Discounts
Common discounts to ask about: – Multi-policy/bundling discount – Multi-vehicle discount – Good driver/safe driver discount – Good student discount – Paid-in-full discount – Paperless/autopay discount – Professional/membership organization discounts – Vehicle safety feature discounts
Step 7: Make Your Decision
After analyzing all factors: 1. Select the policy that offers the best value (not necessarily the lowest price) 2. Confirm coverage details before purchasing 3. Set a calendar reminder to review rates again in 12 months 4. Keep documentation of your new policy
Step 8: Cancel Your Old Policy (If Applicable)
If switching providers: 1. Don’t cancel old policy until new coverage is confirmed active 2. Request written confirmation of cancellation 3. Ask about any refund for unused premium 4. Update auto registration if your state requires insurance information
Want to learn more about how coverage works for new drivers? Check out our beginner’s guide to car insurance.