Rachael Brennan has been working in the insurance industry since 2006 when she began working as a licensed insurance representative for 21st Century Insurance, during which time she earned her Property and Casualty license in all 50 states. After several years she expanded her insurance expertise, earning her license in Health and AD&D insurance as well. She has worked for small health insuran...

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Chris Harrigan has an economic degree from Limestone College and an MBA from Clemson University. He previously managed auto insurance claims for Enterprise Rent-A-Car. Currently, he is using his business and insurance expertise to provide insurance data analysis and visualizations to enhance the user experience.

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Reviewed by Chris Harrigan
Former Auto Insurance Claims Manager

UPDATED: Aug 12, 2021

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Our car insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different car insurance companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.

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Key takeaways...

  • Most people like to compare car insurance online because of instant car insurance quotes
  • When comparing car insurance online, make sure to research the policy deductibles, coverage options, and discounts
  • In return, car insurance companies will ask you about certain factors to determine your car insurance quote

Why Is Online Car Insurance Comparison So Popular?

The easy answer is instant car insurance quotes. Whether you just want to see prices or if you’ve been thinking about it for awhile, you can go online and get several quotes in minutes. All you need is an internet connection and a mobile device. Whether you have a computer, phone, or tablet, you can use an online calculator to find an auto insurance company in your area.

When looking for a car insurance company, most people like to start their search online. A large number of car insurers exist who provide instant car insurance quotes online. They connect to consumers through third party sites that gather information like your car make and model, driving record, and address.

If you’d like better and more affordable car insurance ASAP, enter your ZIP code above and start comparison shopping today!

Are instant car insurance quotes cheaper?

Many times consumers find much better auto insurance rates online. The competitive online car insurance marketplace has exploded over the last few years, and more and more car insurance companies are offering exclusive online discounts. When customers go through third party calculators to get multiple quotes at once, it increases the competition level. Insurers cannot know what competitors will offer. If they want the business, they have to offer more competitive rates going in.

Another key component of researching auto insurance online is many insurers offer a wealth of educational information on their websites explaining such items as:

While meeting with a live person certainly has its advantages, there is also great benefit in online information that makes instant car insurance quotes much cheaper just because you’re able to complete a better application with the new knowledge. Some sites place this information strategically along the way. So you’re not looking at a list of blogs or articles that may or may not seem relevant right now. You’re getting quick answers to questions you have now. Something as simple as explaining where to find a vehicle identification number can help many people get through the process.

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What should I look out for when comparing instant car insurance quotes?

Expect to fill in more than just your birthday and zip code when getting instant online car insurance quotes. This is part of the process so insurance companies can pull your driving record and confirm your identity.

The internet provides a much more efficient way for car insurance companies to analyze your profile and determine premiums, but any reputable auto insurance provider has to ask a certain number of questions about:

  • The car you drive
  • Your driving history
  • Personal data, such as your social security number (for credit scores), etc.

Thankfully there are systems where you can compare average or proposed car insurance rates using more limited information, but take note that these are not firm commitments to insure until everything else checks out.

For most people, a comparison service or quote request using basic information will be enough to get a reliable quote. However, if you have a bad driving record, bad credit, or a DUI conviction, be aware any online quotes may be adjusted before a policy is issued.

If you need specific coverage such as custom parts for a classic car you restored, you’ll need specific coverage. Unfortunately, your average auto insurance quote will only cover the original parts your car was built with. Even if you customized a new car, it would not cover the custom parts. Luckily, there are companies that specialize in this type of coverage if you know where to look.

Where Can You Find the Right Auto Insurance Policy for You?

If you’re in the market for a new auto insurance policy, stop waiting around. Enter your ZIP code below and compare at least three to four policies today! We can help you find coverage that makes sense for your needs. Our calculator pulls quotes from large national companies like Progressive or State Farm. We also pull quotes from small local or specialty companies.

For example, California Casualty specializes in insuring heroes like teachers, medical professionals, and firefighters while USAA only serves military members and their immediate families. We base our quotes on the driver profile. These are just a couple things that can affect which insurance company you choose.

Once you enter your zip code, you just need to answer a few questions. It’s much simpler than you might think, and you’ll have results from an insurance calculator in no time at all.

References:

  1. https://wallethub.com/edu/types-of-car-insurance/9636/
  2. https://www.carsdirect.com/car-insurance/10-car-insurance-discounts-that-can-save-you-money
  3. https://money.howstuffworks.com/personal-finance/auto-insurance/car-model-impact-insurance-rate.htm
  4. https://www.investopedia.com/ask/answers/091815/can-your-car-insurance-company-check-your-driving-record.asp
  5. https://wallethub.com/edu/car-insurance-by-credit-score-report/4343/
  6. https://www.thebalance.com/do-i-need-to-tell-car-insurance-company-about-dui-527246