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: Nov 9, 2020

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Key takeaways...

  • Car insurance companies increase their rates for many reasons
  • Having too many accidents or even bad credit can affect your monthly premiums
  • It’s a good idea to compare at least three different quotes before making a final decision

Each day thousands of Americans think about whether they should get a free car insurance quote. Some people ask whether the potential discounts and savings are worth a few minutes of their time.

Others wonder if it is easier to pay more for car insurance and avoid the paperwork connected with switching companies.

A free car insurance quote costs the consumer nothing and takes only a few minutes to receive dozens of insurance comparisons.

They also speed up the application process, so you can get a printable insurance card within 30 minutes or less.

Compare car insurance quotes for FREE! Enter your zip code above to get started now!

Has your car insurance payment recently increased?

One of the most common reasons for requesting a free car insurance quote is rate hikes from insurance companies.

Whenever your car insurance rates increase, you may be able to get a better deal elsewhere.

Insurance companies adjust premiums for many reasons including:

  • Accidents and moving violations
  • Poor payment history
  • Bad credit
  • A substantial number of collisions or thefts in the region
  • Due to a move from a low-cost area to a high-cost area

Some insurers increase payment amounts simply because you are not making them enough money.

Insurance rate comparison sites let you judge several companies at once and determine whether your rate hike is fair or a reason to switch carriers.

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Do you need to add a driver, replace a vehicle, or change coverage amounts?

Cars don’t last forever, families grow, and insurance needs change. Any of these adjustments can mean a switch to car insurance policies.

Unfortunately, just because you had a great deal does not mean that you will still be saving money.

One insurance company may grant the lowest rates to a select category of new sedans but penalize anyone who drives a certain used SUV or motorcycle.

Instead of comparing each of these insurers individually, you can review one snapshot of all insurers with a car insurance comparison.

You can still make the changes you need but also get the low price you deserve.

Is this your first auto insurance policy?

Purchasing auto insurance for the first time can be an exciting and daunting experience.

The best way to simplify the process is by comparing a free car insurance quote through a comparison site.

Using the site takes only as much time as filling out the quote form for a single insurer, but it can return dozens of quotes instead of one lone offer.

You can spend less time struggling with paperwork and more time driving your new car.

Compare Car Insurance Companies

Compare quotes from the top car insurance companies and save

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Is your car insurance going to end?

Just like retirement accounts and investment portfolios, insurance policies should be reviewed on a regular basis to make sure you are getting and using the maximum number of benefits.

The six-month or one-year renewal period is the perfect time to compare car insurance rates because you can end one policy and start the next policy on the same day.

You will not have to worry about cashing refund checks or carrying two insurance cards.

Getting a free auto insurance quote is even more important when an insurer refuses to renew the policy.

Because each state requires a minimum amount of car insurance, starting a free comparison and purchasing a new policy can prevent you from breaking the law.

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Are you missing substantial discounts?

Talking with friends, coworkers, and family members can reveal a number of discounts that may not be offered by your current insurer.

Good driver and other discount programs can slash the cost of auto insurance by as much as 25 percent.

Here are a few of the best car insurance discounts:

  • Purchasing multiple auto and home/renters insurance policies from the same company
  • Not having any accidents or getting any tickets within the previous three years
  • Being a member of the military, certain professional associations, credit unions, and social groups
  • Working in a low-risk occupation such as being an engineer, scientist, or teacher
  • Being a good student under age 25 with a 3.0 GPA or better
  • Maintaining a good credit and payment history
  • Paying one year in advance instead of making monthly payments
  • Choosing to receive notices via email instead of paper statements via postal mail
  • Having anti-lock brakes, airbags, safety restraints, and a security system
  • Passing a defensive driving course that was not court-ordered
  • Driving a short distance to and from work

Are you curious about the opportunities you are missing with a free car insurance quote?

Finally, some people are content with their existing insurance policies but want to confirm that they are paying the lowest amount for the best auto coverage.

Because a free car insurance quote costs nothing to the consumer, they provide a great opportunity to browse the market and compare car insurance companies.

If your existing policy offers the best discounts and lowest rates, then you have lost nothing and gained peace of mind.

On the other hand, you could be saving hundreds of dollars per year by switching to one of the other carriers listed on the comparison.

What are you waiting for? Find affordable car insurance quotes for FREE! Enter your zip code below to get started!


  1. https://www.geico.com/
  2. https://money.usnews.com/money/personal-finance/articles/2014/12/19/7-retirement-savings-accounts-you-should-consider
  3. https://www.usaa.com/inet/ent_logon/Logon?redirectjsp=true
  4. https://www.statefarm.com/insurance/auto/discounts
  5. https://www.defensivedriving.com/new-jersey/home/