How do you compare multiple car insurance quotes online?

It seems that there are hundreds of ways to get cheap car insurance quotes, and comparing multiple insurance quotes online can be somewhat daunting. Although figuring out how to compare car insurance rates online can be time-consuming, it’s not as difficult as it might appear.

How do you compare multiple car insurance quotes online to get the best policy? The key to understanding your car insurance policy comparisons and getting cheap rates is knowing exactly what you’re looking for. Read our comprehensive guide to learn how to get multiple car insurance quotes online quickly.

How to Compare Multiple Car Insurance Quotes Online

Car insurance is legally required in 49 states. Fortunately, getting affordable car insurance quotes online is an easy way to  secure a cheap monthly rate. Where to get multiple car insurance quotes? The best place to start is at a website like the one you’re on right now. (read our “How can I find affordable car insurance rates?” for more information).

In fact, you can use this site’s search tool to begin the process of acquiring multiple car insurance quotes at once online from multiple insurance companies at once.

You begin by entering your ZIP code, which then directs your browser to a second page. From there you’ll enter specific information about your car, where you live, your employment, and so forth. After a few minutes, the quote tool will return the results to you.

But how do online car insurance quotes work? Automated online quote tools provide you with a number that is just a best-guess estimate based on the information you provide and industry averages in your area.

When you finally do choose one of the online quotes for car insurance from a company, a representative will have to verify your information, which could result in your actual rate being higher or lower than the quote. 

Many factors impact your car insurance rates, like where you live, your age, and sometimes even your gender. Every company uses a different equation to calculate your rates.

Therefore, comparing quotes from multiple companies will help you find the insurance company most compatible with your unique needs. Be sure to look through our car insurance comparison chart to research multiple insurance companies.

Because you’ll be looking at insurance quotes from all companies, there is a chance that after you make your choice and provide that company with more specific information that your actual rate rises or lowers. 

However, getting a quick insurance quote online is still going to be the best way to secure the cheapest rates. 

You know how to get multiple car insurance quotes on one site, but now what? Keep reading to learn how to compare insurance rates and choose the right policy for you. 

Read more:

• Is it possible to get instant online car insurance?
• How often should you check car insurance quotes?

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Comparing Multiple Car Insurance Quotes at Once

You’ll probably notice there is very little difference in price for the required state minimums for coverage of bodily injury, property damage, and general liability.

Since all policies must carry those state minimums by law, there’s very little flexibility in the pricing structure. But there’s a catch.

In addition to state minimums, a company might include full glass coverage options and roadside assistance as part of its basic policy. Others may not. That’s the type of thing you’re looking for.

Next, you’ll want to compare the amount of comprehensive coverage offered for additional things such as:

• Fire and theft
• Uninsured motorist coverage
• Full collision coverage
• Extraneous options like identity theft protection

Each of these items should be listed on a separate line, along with the annual cost of the premium. Again, you’ll need to compare each insurance quote for your potential car. Look at what each of these additional coverages offers in relation to the amount of money it’s going to cost you.

Once you get multiple car insurance quotes online, ask yourself which one best fits your specific needs. What policy fits your budget and your coverage needs? Pick the company that is your best match at the most affordable rate. 

Comparing Car Insurance Details

Sometimes you get a free car quote that does not contain enough details for you to make an informed decision. That means you’ll have to contact the individual insurance companies to get the additional information you need.

This can be done in one of two ways: online and by phone.

If you don’t want to go through the hassle of dealing with a live agent to start with, try the online method first. You’ll need to make an educated guess based on the estimated car insurance quotes and choose a couple of companies that seem to have the best price.

From there go directly to the companies’ individual websites and use their online quote tools, if they have them.

These quote tools tend to be a bit more detailed than third-party tools and should offer you a better quote with more information.

From these quotes you can once again compare line-by-line items, looking for total coverage, premium, deductibles, and so on.

If this method still does not provide enough details, your last resort is to either call the insurance company directly or a local agent in your area. When you do call for assistance, make sure you don’t hang up until you have answers to all your questions.

It doesn’t do you any good to spend a lot of time on the phone just to hang up still wondering how much your car insurance is going to cost you.

While you can get multiple car insurance quotes at once, the task is frightening to many people. But it doesn’t need to be. After you’ve done it a couple of times you become quite adept at it.

You might even be able to teach your friends and family members how to do it, too!

Start your quick car insurance quote search by entering your ZIP code into our FREE search tool below.

Determining Your Car Insurance Needs

Before you can perform multiple car insurance comparisons, you must determine your car insurance coverage needs. There are two basic types of car insurance policies, including liability and collision.

Every state requires some form of liability insurance, and driving without liability insurance is illegal.

In its most basic form, liability insurance covers the other driver’s car repairs and medical expenses if you are found to have caused the accident.

Liability insurance does not cover your expenses if you caused the accident.

• Liability insurance works well for individuals that drive older cars that are paid off and can afford to repair or replace their car if they get into an accident
• Collision insurance includes additional coverage for the repair or replacement of your vehicle and your accident-related medical expenses if you are the at-fault driver
• Collision insurance typically comes with a deductible, which is the amount you must pay before your insurance company pays for the repairs or replacement of your vehicle

For example, if you get into an accident that causes $1,500 worth of damage to your vehicle and your deductible is $500, you would pay the $500, and your insurance company would pay the remaining $1,000.

Individuals with newer cars or vehicles that are not paid off usually need to have collision insurance coverage to ensure the vehicle gets repaired to its pre-crash state if you are involved in an accident.

Free Car Insurance Comparison

Enter your ZIP code below to view companies that have cheap car insurance rates.

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Shopping for Multiple Insurance Quotes

When it comes to shopping for car insurance, it is important to get car insurance quotes from multiple companies.

Most car insurance shopping articles say that the best places to get car insurance quotes will provide you with as many rates from as many different insurance companies as possible.

The reason is simple. Different insurance companies charge different rates, even for the same policies.

This is because different insurance companies assess risk differently, and their rates reflect their estimated risks.

Comparing Car Insurance Discounts

Before completing your third-party insurance quotes comparisons, remember to also compare the auto insurance discounts offered by each company. Most insurance companies offer a variety of discounts that can make your monthly premium more affordable.

Common savings include a multi-policy discount, good or defensive driver discount, multi-car discount, and driving a car with certain safety features.

Multi-line discounts involve saving a certain amount of money for having more than one policy with the same insurance company.

By combining homeowners insurance with your auto insurance coverage you may be eligible for a bundle discount.

What is a defensive driver discount? Good or defensive driver discounts revolve around remaining accident and infraction-free for a certain period of time.

Typically, drivers that have been accident and infraction free for five years or more are eligible for safe driving discounts, because the insurance company deems them low risk.

Certain car safety features can also earn you a discount because they make you less susceptible to receiving major injuries during your accident.

Common safety features include ABS brakes and passenger-side air bags.

In order to determine if you qualify for any discounts, you should fill out the comparison tool quote form as accurately as possible and indicate all of your insurance interests. This allows the tool to provide you with the best results for your specific needs.

Compare Multiple Quotes Online to Get Affordable Car Insurance

Once you have your quotes, you will need to look at more than just the cost of the auto policies. The cost only tells you how much you would be paying for your new policy.

It does not tell you what your policy covers. For this reason, you need to review each policy in detail and compare it to your current policy to make sure it adequately protects you in the event of an accident.

Discovering a suitable policy for your requirements often leads to a straightforward online purchase using your debit or credit card. Upon completion, you should be able to print both your new policy and temporary insurance cards. Learn more about how to purchase the right car insurance quote online.

Permanent insurance cards are usually mailed to you within a certain number of days.

Be sure to do the following:

• Review each policy
• Determine which policy meets your needs and budget
• Purchase your new policy
• Print your policy information and insurance cards

When it comes to filling out a quote form and finding a new insurance policy, you must include the most accurate information possible.

Sometimes, it can help to have your current policy sitting next to you while you fill out the form. By accurately filling out the form, you are ensuring that you get the best possible quotes. Once you review each policy, choose a policy that best meets your needs and monthly budget. (For more information, read our “Are car insurance quotes accurate?”).

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