Jeffrey Johnson is a legal writer with a focus on personal injury. He has worked on personal injury and sovereign immunity litigation in addition to experience in family, estate, and criminal law. He earned a J.D. from the University of Baltimore and has worked in legal offices and non-profits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman Univer...

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Laura Walker graduated college with a BS in Criminal Justice with a minor in Political Science. She married her husband and began working in the family insurance business in 2005. She became a licensed agent and wrote P&C business focusing on personal lines insurance. Laura serviced existing business and wrote new business. She now uses her insurance background to help educate drivers about...

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Reviewed by Laura Walker
Licensed Agent for 10 Years

UPDATED: Apr 12, 2020

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It’s all about you. We want to help you make the right coverage choices.

Advertiser Disclosure: We strive to help you make confident auto insurance decisions. Comparison shopping should be easy. We are not affiliated with any one auto insurance provider and cannot guarantee quotes from any single provider. Our partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.

Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance-related. We update our site regularly, and all content is reviewed by auto insurance experts.

There are a number of places you can get free auto insurance quotes, and one of the most popular places is through the World Wide Web. The insurance industry is a competitive business and there are many auto insurance companies around the country.

Car insurance providers are happy to take the time to give you a policy quote for no charge in the hopes of earning your business.

You can find free auto insurance rate quotes right now just by entering your ZIP code in the FREE quote box!

With the economy how it is these days, most people are looking to save a few bucks. Because the majority of states require drivers to carry insurance, most motorists do not a choice whether they need to have insurance or not.

Because of this, finding the lowest rates on car insurance is one way to cut down the budget. In order to find the best policy rate, comparing quotes is one of the fastest ways to do so.

In-Person Quotes

Depending on how much time you want to spend on finding an insurance policy, there are multiple avenues that you can take to get free quotes.

If you personally know an insurance agent, or have been referred to one by a friend or family member, you can meet with him or her face to face and they would be happy to give you a quote at no charge.

You can also use an insurance broker to help you find a car insurance policy. A broker works independently from any particular company, and he or she has access to multiple providers. Because of this, you can usually find the right policy for the right price.

Sitting down with an insurance broker will allow you to get quotes for a number of different coverages and companies, similar to going online but with the advantage of working with an actual person.

You can also call a number of companies and ask for free quotes, although this option would be the most time-consuming way.

Any of these personal options would take a bit more time than going online, but if you like a more personal connection with your insurance representative, this would be the way to go.

Online Quotes

The fastest way to get free quotes would be online. If you know a couple of insurance companies that you are interested in you can go directly to their websites and usually be able to get a quote immediately through their website.

This would take a few extra steps, as you would need to fill in your information and policy requests for each site separately.

The absolute quickest way to get multiple free quotes would be to use a site such as this one.

You only need to put in your information once and then you get quotes from multiple sites and providers. This way you can do a quick comparison and decide on an insurance company right away.

Keep in mind that these types of sites are not insurance companies themselves, but rather referral services for the companies that participate.

If you have any particular questions about car insurance, it is best to contact an insurance company directly or visit the website of the Insurance Information Institute. This way, you can be assured that your questions are being answered accurately.

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Information Needed for Insurance Quotes

No matter how you choose to get your free quotes, all of them will ask you the same questions in order to give you an accurate quote.

The first thing you need to enter is your zip code. This is because where you live will change what you pay for car insurance. Some states and/or areas have much lower insurance rates than others.

Next you will be asked for details about the vehicle you want to insure, such as the model, make, and year. A newer, fancier car will usually cost more to insure than one that is a few years old.

Then you will need to say how you use the vehicle, whether it is for business, pleasure, or commuting, and how much you drive on average on an annual basis.

You will also be able to choose the type of coverage you want and your liability limits. You will need to choose at least the minimum that is required by your state.

To find out your state’s requisites for car insurance, visit the National Association of Insurance Commissioners website and click on their state map.

If you choose the bare minimum, which is liability insurance, your quotes will be lower. If you want more coverage on your vehicle, such as collision, comprehensive, medical pay, and uninsured coverage, expect that the quotes will be higher across the board.

Other questions will refer to your gender, age, credit history, and driving history.

Middle-aged and women drivers usually will pay less for car insurance, as will those who have a clean driving record with no accidents or traffic violations.

Most companies also use your credit score to determine your rate, as this is an indicator of how responsible you are in general. If you know that you have a poor score and would like to take steps to improve it, follow the tips from MyFico.com.

Answer all questions to the best of your ability and don’t lie, as this could affect you negatively in the long run. Finally, you will enter your contact information, such as your name, phone number, and email.

Some services will email your quote, some will have an agent call you, and others will give you the quote immediately on the site.

Importance of Being Honest

When you are filling out information for a free quote, you may be tempted to lie or fudge the truth a bit in order to get a better rate. Do not do this. If the insurance company ever finds out that you were not honest, there are a few courses it may take, and most will not be in your favor.

If it was a small mistake that didn’t affect much, such as a clerical error, there may not be any consequences. If you lied about something that would affect your rate, the consequences may be more severe.

If you made a claim and were found to have lied, you may be responsible to pay back the money that the insurance company paid out for the claim. In that case, your policy will also probably be canceled.

Even if your policy is not cancelled, expect to pay a higher premium for your insurance–one that more accurately reflects the true facts.

The best way to avoid getting in trouble is to be honest and truthful from the start. Also know that lying may be considered insurance fraud in some cases, which is also illegal.

Reason for Inaccurate Quotes

If you do a general quote search through the internet, be aware that the quote they give you may not be the actual quote. One reason is that when they ask for your credit history you do not need to give your exact score.

Many people also do not have any idea what their credit scores are.

You can request a copy of your credit history from a company such as Experian.

When requesting a quote, if you do not know what your credit score is and enter it incorrectly, there is a good chance that your actual rate will be different once you speak with a representative and they run your credit report.

Choosing the Right Car Insurance Company

Once you get your quote results, you may be tempted to choose the cheapest policy. Although this may be a good idea, it is not always the best thing to do. One reason that the rate quote may be cheap is because the company isn’t reputable.

Once you get a list of insurance companies and their quotes, you should research each of them through a rating company such as A.M. Best. This will show you financial information about each of the insurance companies, such as how many assets it has and what the financial rating is.

You should choose a company that has a rating of “A-” or above, if possible, as well as one that has a stable outlook for the future.

If you choose one with a poor rating, there is a good chance that you will have issues if you ever file a claim. You may get denied or get paid less than what you think is fair. Having cheap insurance won’t matter if you are not able to use it for what it’s meant for.

Although choosing a company based on price is important, it is also important that you get out of the company what you need, such as good claim service and the ability to speak with a customer representative if needed.

Another way to compare insurance companies once you get their quotes is to visit the website for J.D. Power and Associates.

J.D. Power produces ratings that are generated from the experience of other consumers. You can do a side-by-side comparison of more than 30 car insurance companies to help narrow down your choice to just one company.

Start your affordable auto insurance rate search immediately by placing your ZIP in the FREE box!

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