A Comprehensive Guide to Free Auto Insurance Quotes

A Comprehensive Guide to Free Auto Insurance Quotes

Auto insurance isn’t cheap, but the cost of not having it can be astronomical. If you don’t have auto insurance, your car won’t be protected if you get into an accident, and you could end up owing thousands in medical bills and legal fees. Plus, some states will even make you pay out of pocket if you’re pulled over and found to be uninsured, which could also leave you with thousands of dollars in fines to cover yourself.

What Is an auto insurance quote?

An auto insurance quote is an online price for car insurance. Getting a free auto insurance quote gives you access to competitive quotes without actually needing to apply for coverage—you still have time and flexibility to choose a provider before your policy goes into effect. In most cases, though, you’ll be required by law to give accurate information about yourself in order to get an accurate quote. That’s because most states require auto insurers to offer non-owned vehicle coverage as part of each policy they write; that means if your mother drives your car every day and you don’t own it, you need coverage just as much as she does.

How free quotes can save you time and money

If you’re shopping for auto insurance quotes, chances are you already have an idea of what type of coverage and price range you’re looking for. You also probably don’t want to spend all day on comparison sites or calling around to your agents. In those cases, free quotes can save a lot of time. Just like premium quotes, free auto insurance quotes usually come from licensed agents (although some independent companies will offer them as well). However, these free agents aren't selling any one company's policies; they're hoping to match you with any number of top-rated insurers based on your needs and location.

Why free quotes can help you get cheaper car insurance

The whole point of free auto insurance quotes is that you can easily compare rates from multiple companies at once. By doing so, you’ll be able to take advantage of hidden discounts offered by some insurers and qualify for one or more of these additional savings opportunities: Multi-car discounts, senior citizen discounts, student driver discounts and even multi-policy deals. You might also be able to save money by bundling your car insurance with your home or renter’s policy.

Who should get free auto insurance quotes?

Any driver can get free auto insurance quotes. Unlike health or home insurance, auto insurance requirements vary from state to state. That’s why it’s so important for all drivers to shop around when it comes time to renew coverage and make sure they’re getting a fair price. Drivers who switch carriers can save as much as 20% on their premiums—and that discount can really add up over time, particularly if you haven’t been with your current insurer for more than a few years. If you live in a big city, have had multiple tickets, or have recently made a large claim, a quote comparison is even more crucial because insurers consider these risk factors before approving coverage and setting prices.

The benefits of gathering more than one quote

When it comes time to buy auto insurance, you’ll likely be asked if you want one quote or a few. You’ll definitely want at least two quotes: One from your existing provider and another from a competitor. That gives you a basis for comparison when choosing between different quotes. In order to make an educated decision on which quote is best for you, try these tips

Avoiding common mistakes when getting car insurance quotes

While there are many factors that go into determining your final premium, such as where you live and your driving record, it is important to get a car insurance quote when shopping for car insurance. By getting a quote and talking with an agent, you’ll better understand what kind of coverage you need as well as its costs. Make sure that you are not looking at just low prices because they do not necessarily mean great value or overall savings. Here are some tips on how to avoid common mistakes when getting car insurance quotes

What to do when you find the right coverage at the right price

Once you’ve found coverage that fits your needs, don’t just skip on over to check out. Instead, be sure to see what else is available from that carrier. Often auto insurance companies offer a number of other discounts and incentives for drivers with certain characteristics or who live in areas with higher than average theft rates. You can also see if there are any affiliated or affiliated programs you can take advantage of by filling out their surveys and referring friends or family members for their services. If all goes well and there aren’t any hidden fees or unmentioned policy provisions, congratulations—you’re ready to buy! If not, keep shopping until you find something perfect. The right deal is out there waiting for you. Best of luck!