Jessica Sautter is a Content Writer for CarInsuranceCompanies.com with a Bachelor’s Degree from Eastern Michigan University in Elementary Education with a Major in Reading and a Minor in Mathematics.

Full Bio →

Written by

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.

Full Bio →

Reviewed by Chris Harrigan
Former Auto Insurance Claims Manager

UPDATED: Sep 13, 2020

Advertiser Disclosure

It’s all about you. We want to help you make the right car insurance coverage choices.

Advertiser Disclosure: We strive to help you make confident insurance decisions. Car insurance comparison shopping should be easy. We partner with top car insurance companies. This doesn’t influence our content. Our opinions are our own.

Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.

Key takeaways...

  • Online comparison shopping is a great way to find affordable car insurance
  • A clean driving record and good credit is rewarded with lower rates
  • Always compare at least three different quotes before making a final decision

Car insurance comparison websites allow you to compare new car insurance from different companies in your local area.

A large number of comparison sites exist with some specializing in auto insurance while others allow you to compare quotes for health, life, home and other types of insurance.

Comparison websites provide an easy way for users to quickly find and compare new car insurance to find the best deal.

Enter your zip code above and compare new car insurance for FREE!

Table of Contents

How do car insurance comparison websites work?

Basically, the car insurance comparison website will have at least one form box that will require users to enter their zip code and the type of insurance that they are seeking, and to answer whether or not they are currently insured.

At some of these sites, this is all the information you will need to provide to get insurance quotes.

Other sites may ask for more specific information that can include the following:

  • Vehicle ownership status
  • Primary use of vehicle
  • Daily commute in miles
  • Average number of days vehicle is used per week or per month
  • Annual mileage
  • Type of coverage desired
  • Deductible desired
  • Personal information
  • Credit rating
  • State in which you are currently licensed to drive
  • Driving record including tickets and accidents
  • Previous car insurance claims

Some comparison websites may ask for information that seems unrelated to obtaining auto insurance.

For example, they may want to know your GPA if you are a full-time student or your type of employment.

Generally, they are simply trying to assess your potential risk in order to decide on your premiums and coverage.

Compare Car Insurance Companies

Compare quotes from the top car insurance companies and save

 Secured with SHA-256 Encryption

Compare quotes from the top car insurance companies and save

 Secured with SHA-256 Encryption

How should I compare new car insurance?

Many people make the mistake of simply taking into account price when comparing one auto insurance quote to another.

Remember though that car insurance policies can differ quite significantly, so you have to see exactly what you are getting for the offered price.

In some cases, what seems like a very good deal will only offer limited coverage and you may have to pay extra to get the actual protection you desire.

Here are the important items to look for when comparing new car insurance quotes:

  • What is covered?
  • What is not covered in the offer
  • Dollar limitations on each specific type of coverage
  • Exceptions to coverage
  • Period of coverage
  • Deductibles and hidden costs
  • Requirements you must meet to qualify for insurance policy

Scope of New Car Insurance Coverage

All insurance policies must offer a minimum level of coverage as required by law. Each state differs in their minimum car insurance coverage requirements.

Most states will require that drivers at least have liability insurance.

Other types of car insurance coverage typically offered in car insurance plans include:

  • Collision Coverage – Pays to fix or replace your vehicle in case of a collision. Some policies will include payment for a rental car while you are waiting for your vehicle to get fixed or replaced.
  • Other than Collision Coverage – Protects policyholder in case of theft, vandalism, fire, natural disaster or other causes not related to collisions.
  • Personal Injury Coverage – Provides protection for medical, hospital and funeral expenses connected with an auto accident. In some states, personal injury coverage is required.

Some other types of coverage that can be found include roadside towing, window replacement, work loss compensation and custom parts coverage.

Limitations on New Car Insurance

Note that each type of coverage has specific dollar limits that are provided by the insurance plan.

For example, one plan may offer $100,000 of bodily injury coverage while another will provide $1,000,000 worth of protection.

Obviously, when comparing new car insurance you must take into consideration the amount of protection provided in dollars to make an informed comparison.

Compare quotes from the top car insurance companies and save

 Secured with SHA-256 Encryption

Exceptions, Deductibles, and Other Factors to Consider

The fact that you are covered in a certain area does not always mean that your claim will be accepted. Make sure that you read the insurance plan carefully and ask about exceptions to coverage.

For example, physical damage coverage for your car may not apply in cases that involve the reckless use of your vehicle.

Your coverage may exclude compensation if you were driving intoxicated when the accident occurred.

Deductibles are the amount of money that you must pay upfront.

For some types of coverage, the deductible may not make that much difference, but you should take it into consideration when comparing insurance plans.

In addition, consider other factors like policy requirements when looking at different offers.

Some policies may require that you have not made any previous car insurance claims in order to get the quoted price.

Finding New Car Insurance Comparison Sites

Numerous insurance comparison websites are available on the Internet and they can easily be found using major search engines or web directories.

Simply use a query like “car insurance comparison” on Google, Yahoo or Bing and you will get a vast number of listings.

Some websites may favor sponsors over other insurance providers because of the advertising dollars they receive from the sponsor.

Once you have found a reputable insurance comparison website, you will be able to quickly scan the best offers in order to make an informed choice.

Ready to compare car insurance quotes? Enter your zip code below and get started for FREE!

References:

  1. https://www.esurance.com/info/car/how-to-compare-car-insurance-policies
  2. https://www.edmunds.com/auto-insurance/does-your-credit-score-affect-your-car-insurance-rate.html
  3. https://www.geico.com/claims/claimsprocess/
  4. https://www.progressivecommercial.com/coverages/personal-injury-protection/
  5. https://midatlantic.aaa.com/MemberNonMemberLanding
  6. http://www.treatment4addiction.com/addiction/alcohol/drunk-driving/