Stop Overpaying for Car Insurance
Enter your ZIP code and compare rates from top-rated carriers in about 2 minutes. Switching can save you hundreds.
- Free to use
- No obligation
- Takes about 2 minutes
How it works
- Answer a few quick questionsAbout your car and your driving. It takes about 2 minutes.
- Compare your quotesSee rates from carriers that serve your area.
- Pick the rate that fitsThe same driver can get very different quotes, so comparing pays off.
Learn more about comparing car insurance
How car insurance rates are set
Each insurer looks at several things when it prices a policy. Common ones are where you live and park, the vehicle, your driving record, the coverage and deductible you choose, how much you drive, and, in most states, factors such as your age and insurance history. The rules differ from state to state.
Why quotes can differ
Insurers weigh those factors differently, so the same driver can be offered different rates by different companies. Looking at more than one quote is the simplest way to see the range that is available to you.
Common types of coverage
- Liability: pays for injury or damage you cause to others. Most states require it.
- Collision: helps pay to repair your car after a crash.
- Comprehensive: covers things like theft, hail or a fallen tree.
- Uninsured and underinsured motorist: helps if the other driver has little or no insurance.
- Medical payments or personal injury protection: helps with medical costs after an accident, where offered.
Comparing quotes fairly
- Compare the same coverage limits and deductibles across quotes.
- Check what is included, not only the monthly amount.
- Ask each company which discounts you may qualify for.
Before you switch
Keep your current policy in place until the new one starts so there is no gap in coverage, and check the cancellation terms of the old policy.
This is general information, not advice. What you are offered depends on the insurer, your state and your situation.