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Free Car Insurance Quotes: Guide for How to Get Free Car Insurance Quotes (2021)
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So, you’ve bought a new car. Keys in hand, you’re ready to hit the open road with your new wheels. But wait: you’ve forgotten to purchase car insurance, and you don’t know where to start!
Car insurance can feel like a complicated subject, one that most Americans find themselves dealing with at some point in their lives. When you first start shopping for car insurance coverage , you may be full of questions: why do auto insurance quotes vary from driver to driver and company to company? How do insurance companies decide how much to charge? And what are the best methods to find free car insurance quotes ?
Read on to answer all these questions and more in our comprehensive guide to free car insurance quotes .
And if you’d prefer to skip straight to a personalized, customized selection of dozens of car insurance quotes and discounts––curated by Insurify in just minutes using cutting-edge AI technology…well, you can do that, too.
A car insurance quote is an estimate created by an insurance company of your auto insurance policy ’s cost . Insurance companies use many different factors––including age, gender, location, and driving history ––to determine your quote.
Because each insurance company uses a unique method to calculate your quote, car insurance quotes can vary from company to company. That’s why it’s so important to save money by shopping around and comparing quotes from many different companies, a process made easy with online quote comparison sites like Insurify .
The more car insurance coverage you want or need, the higher the price of your policy. Every state except New Hampshire mandates that drivers own some form of car insurance (and even New Hampshire requires proof of financial responsibility from drivers).
But car insurance policies can provide many different coverage levels––from the bare-bones state minimum coverage to a comprehensive package of insurance products often known as “ full coverage ” insurance. Full coverage insurance varies from provider to provider, but it usually includes the three following insurance types: liability insurance , collision insurance, and comprehensive insurance.
|Liability Coverage||Bodily injury or property damage if you are at fault or if the person at fault is an uninsured motorist or an underinsured motorist.||Your medical payments or damage to your car or property should you be at fault.|
|Collision Coverage||Damage to objects (not animals or people) and vehicles due to a collision regardless of fault. Hit-and-run accidents.||Doesn’t cover damage due to “Acts of God.” (See Comprehensive)|
|Comprehensive Coverage||“Acts of God”: events out of a person’s control: for example, fire, floods, or vandalism .||Doesn’t cover medical costs or vehicle damage due to a collision.|
Because comprehensive and collision insurance cover more circumstances than a simple liability plan, adding them to your car insurance will likely mean your auto insurance rates go up. The table below shows how the average monthly cost of your car insurance changes depending on what level of coverage you select.
Remember: liability, collision, and comprehensive insurance are only the most basic forms of coverage type. There’s also personal injury protection , roadside assistance , gap insurance , uninsured motorist coverage , and many other insurance options.
When shopping for free car insurance quotes , you’ll see the terms “premium” and “ deductible ” tossed around.
Insurance companies use many different factors to determine the cost of an individual driver’s auto insurance coverage . Below are some of the most common factors.
Age: On average, young drivers are less experienced behind the wheel and pay more than older drivers. Teen drivers pay an especially high amount on average for car insurance.
Gender: On average, young men tend to drive more recklessly and therefore pay more than young women.
Car Type : What car model you drive impacts your insurance rates. A luxury or sports car driver will face higher premiums for their ride.
Location: For various reasons, certain states have higher average car insurance rates , and urban drivers usually pay more than rural ones.
Credit Score: In many states, a low credit score will increase your auto premiums.
Education: Students are considered lower-risk and are often offered discounts or lowered rates.
Marital Status: Married people and homeowners often get special discounts and pay slightly lower rates on average than singles and renters .
Mileage: If you spend lots of time on the road ( if you drive for Lyft or Uber , for example), you’re statistically more likely to get into an accident, so your premiums will be higher.
Of course, the most critical component in the price of your car insurance is your driving record . Accidents, moving violations, and DUIs all cause car insurance companies to raise your rates substantially. Good drivers with a clean driving history stretching back several years pay much lower premiums.
That’s because auto insurance companies consider drivers with a history of accidents to be much more likely to get into a future scrape, creating pesky insurance claims that the insurance company must then pay out.
For a lightning-speed look at how much your car insurance may cost, check out Insurify’s handy quotes calculator below.
Keep in mind that this calculator lacks some of the personalization and customization of a full quote comparison experience. To get a more detailed quote list, you can compare free quotes and score potential auto insurance discounts with Insurify .
Due to different regulations and driving conditions, car insurance costs can vary widely from state to state.
The least expensive state to insure your car is the sunny isle of Hawaii , with an average monthly premium of $107.
The most expensive state to insure your car is The Wolverine State, Michigan, with an average monthly premium of $479––over four times that of Hawaii . (Though drivers should have begun to see more affordable car insurance quotes in 2020.)
Check out average monthly car insurance rates in your state using our heat map below.
Another factor in the cost of your car insurance is whether you’re a city dweller. City drivers are more likely to get into accidents or deal with theft or vandalism , so their average insurance quotes are generally higher.
Though three states–– Hawaii , Massachusetts, and California ––have banned the practice, many insurance companies use a driver’s credit score to determine their car insurance.
But if you’re a driver with lower-than-average credit, there are options available to you. Certain insurance companies , known as no-check insurers , will provide insurance quotes for drivers without examining their credit scores . And if you’ve recently raised your credit score , congratulations! You may now be eligible for lower premiums.
You now know a bit more about car insurance quotes and how their cost can vary from driver to driver. But what’s the best way to find free car insurance quotes for you?
The most traditional method of getting an insurance quote is to speak to an insurance agent in person.
There are two primary types of insurance agents : captive agents , who work for one specific insurance company , like GEICO or Progressive, and independent insurance agents or brokers , who work with multiple insurers .
While captive agents may know their specific insurance company exceptionally well , they also have a strong incentive to push their company’s product, even if it’s not the best match for you.
Independent insurance agents and brokers are less specialized, but they can offer a broader range of policies. (Brokers, unlike agents, charge a broker’s fee, and they must disclose their sales commission rates to potential clients.)
But regardless of whether you use a captive agent, independent agent, or independent broker, buying a plan in person will typically offer you fewer options and choices than are available online. Some customers may also not be comfortable with the potential risks of buying their insurance in person during the current COVID-19 pandemic.
Most insurance companies offer customers the ability to call a phone hotline, where they can speak to an agent, receive a free quote, and finalize a new policy. Getting a quote over the phone may be the right choice for you if:
While getting a free car insurance quote over the phone is the right choice for some , it provides a much narrower range of options than an online quote comparison site like Insurify. You might miss out on an exceptionally affordable policy or a specialized discount.
Also, many hotlines feature long hold times and are only active during business hours, so the process might take more time than you initially expected.
One of the newer and most promising ways to compare free car insurance quotes is over the internet. Not only can you shop for insurance at any time of day or night from the comfort and security of your own home, but online quote comparison services often offer the widest range of discounts and quotes. If you dislike speaking on the phone, cutting-edge quote comparison site Insurify provides an end-to-end digital experience––no annoying hold times or chatting on the phone required.
There are some dangers, however. Many sites that advertise themselves as providing real-time insurance quote comparisons are, in fact, “lead-generation sites.” Instead of providing you with real-time personalized quotes from various insurers , lead-generation sites sell your personal information to external agencies.
This can lead to an avalanche of annoying emails and phone calls. That’s why it’s so important to go with a trusted quote comparison site like Insurify , one which not only protects your data privacy but also provides you with the broadest possible range of discounts and quotes.
The information you need to provide to get your free car insurance quote will vary depending upon what company or service you use. However, some of the information you typically need to provide to receive an accurate quote is:
Once you’ve compared a wide range of car insurance quotes, deciding with policy to pick ultimately can be a difficult choice. Here are a few questions you can ask yourself to help you choose:
It’s important to choose an affordable and comprehensive plan to protect you financially if misfortune strikes. No one expects to get into a car accident, be vandalized, or experience a freak weather incident, so it’s easy to simply go for the minimum, bare-bones level of coverage. But such unlikely events do occur, and a slightly-more-expensive plan that keeps you covered if they do strike may be a wise choice.
Owning or leasing a car can involve many hits to your wallet, from expected monthly bills to unexpected repair costs. You may want the most comprehensive full-coverage plan, but it’s crucial to make sure that you can afford both your monthly premiums and the potential cost of your deductible in the event of an accident.
Customer service is a sometimes neglected facet of picking a new car insurance policy . But you don’t want to spend the stressful hours and days after an accident dealing with a cold, uncommunicative insurance provider . Before signing off on a plan, take the time to read reviews and feedback from other customers to ensure your insurance company will be a help, not a headache.
Before you sign on to a new policy, make sure you’ve canceled your policy with your current insurance provider. This process varies from company to company but may require you to speak to insurance agents on the phone or physically mail in a cancellation letter to company headquarters.
If you’re on the hunt for free auto insurance quotes and affordable car insurance, leading quote comparison site Insurify can provide you with dozens of claims from the nation’s top insurance companies in just minutes. With an average customer rating of 4.8/5 from over 2,900 reviews, Insurify can help customers save an average of $585 per year on their car insurance. Get a quote today with Insurify.
A premium is the amount of money you pay to your insurer in return for insurance coverage. Premiums are typically paid in monthly installments, but can also be paid in total upfront (and some companies may even give you a discount for doing so). Even if you never have an accident or use your insurance for any reason, you still need to pay your premium.
A deductible is the amount of money you will pay out-of-pocket if you have an accident or other misfortune, and your insurance steps in. For example, if Susie has a $500 deductible and gets into a fender bender that ends up costing $2000 in repairs, Susie will pay the first $500––her deductible––and her insurer will cover the rest. You won’t necessarily have to pay your deductible; you’ll pay it only if you end up using your insurance coverage.
Different websites and companies have different information they ask for to provide you with a free car insurance quote. You’ll often be asked for your age, location, marital status, education level, driving record, and the year and model of car you drive.
There are benefits and drawbacks to all three methods. For the quickest and most comprehensive quote comparison experience with the broadest range of coverage options, your best bet is a reputable online quote comparison site like Insurify , which never sells your data to scammers.
The car insurance quotes displayed are based on an analysis of Insurify’s database of over 40 million quotes from 500 ZIP codes nationwide. To obtain representative rates, Insurify’s data science team performs frequent comprehensive analyses of the factors car insurance providers weigh to calculate rates including driver demographics, driving record, credit score, desired coverage level, and more.
Insurify’s analysis also incorporates the Insurify Composite Score (ICS) assigned to each insurance provider. The ICS is a proprietary rating that weighs multiple factors reflecting the quality, reliability, and health of an insurance company. Ratings used to calculate the ICS include Financial Strength Ratings from A.M. Best, Standard & Poor’s, Moody’s, and Fitch; J.D. Power ratings; Consumer Reports customer satisfaction surveys and customer complaints; mobile app reviews; and user-generated company reviews.
With the above insights and ranking methods, Insurify is able to offer car insurance shoppers insight into how various insurance providers compare to one another in terms of both cost and quality. Note, actual quotes will vary based on unique attributes including the policyholder’s driver history and their garaging address.