Car Insurance
Comparing online car insurance quotes can help you narrow down carriers with auto insurance rates that fit your budget and coverage needs. But with so many options to sort through, knowing where to start can be tough. Bankrate's insurance editorial team mapped out four steps to help you discover what coverage you may need and how to find it at the best price:
Determine your priorities
Insurance is a highly individualized product, and every driver has different needs to meet in terms of both coverage and budget. Are you willing to spend a little more for top-notch customer service, or is price the primary determining factor? Does your vehicle need special coverage, or are you looking for a standard policy with improved perks like discounts and the latest digital tools? Setting a budget and outlining your priorities will simplify the shopping process.
Build your desired coverage package
Once you know how much you can spend, you can evaluate the different types of coverage and policy limits you may need and request the same package from each company. Requesting auto insurance quotes that are as similar as possible in terms of coverage types and limits allows you to compare rates from different carriers accurately.
Gather your personal information
Anonymous car insurance quotes exist, but they’re rare and often inaccurate. To compare accurate rates, you will need to have some information handy, including:
Driver information
You will need to provide basic information (such as names and birthdays) for all the drivers in your household. While you probably won't need their driver's license numbers during the quoting process, you will need them to purchase the policy and may want to gather this information now to make it easier to purchase the policy later. Additionally, the company may run your credit-based insurance score if you live in a state that allows insurance companies to consider your credit history as part of calculating your car insurance rate.
Vehicle information
Providing your vehicle identification number (VIN) when requesting a quote allows insurers to estimate the risk and cost of claims on your car and can help ensure that you receive all the vehicle safety discounts you may be eligible for.
Driving history
It's vital to give a detailed account of the accidents, tickets and suspensions you and any other drivers on your policy have received over the last three to 10 years. Because most companies don't run driving records until you decide to purchase the policy, failure to provide this information during the process could result in inaccurate quotes that change significantly when you finalize your policy.
Estimate your car insurance quote
Factoring in the criteria listed above, our auto insurance quotes calculator can give you a general range of what you can expect to pay for car insurance. The estimated range can be useful to refer back to when you begin to compare car insurance quotes.
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Coverage.com, LLC is a licensed insurance producer (NPN: 19966249). Coverage.com services are only available instates where it is licensed. Coverage.com may not offer insurance coverage in all states or scenarios. All insurance products are governed by the terms in the applicable insurance policy, and all related decisions (such as approval for coverage, premiums, commissions and fees) and policy obligations are the sole responsibility of the underwriting insurer. The information on this site does not modify any insurance policy terms in any way.
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Powered by Coverage.com (NPN: 19966249)
Coverage.com, LLC is a licensed insurance producer (NPN: 19966249). Coverage.com services are only available instates where it is licensed. Coverage.com may not offer insurance coverage in all states or scenarios. All insurance products are governed by the terms in the applicable insurance policy, and all related decisions (such as approval for coverage, premiums, commissions and fees) and policy obligations are the sole responsibility of the underwriting insurer. The information on this site does not modify any insurance policy terms in any way.
