How to Get Free, Accurate Car Insurance Quotes Online

How to get free car insurance quotes

Getting free car insurance quotes is easy. Once you’ve decided what kind of policy you’re looking for, Insurify will show you the best coverage options for your needs.

Here’s all you need to do to start getting your free quotes.

1. Gather information

First, gather your personal information. To get quotes from Insurify, you’ll need your:

• Name

• Age

• Gender

• Driver’s license

• Driving record

• ZIP code

• Credit score

• Marital status

• Education level

• Military status

• Current insurer

• Make, model, and year of your vehicle

Insurify uses this information to provide you with the most accurate quotes possible. You’ll also need to provide the amount of coverage you’re looking for and other vehicle information, such as the vehicle identification number (VIN).

2. Determine how much coverage you need

Every state, with the exception of New Hampshire, has minimum insurance requirements. But minimum coverage may not be sufficient to meet your needs. Knowing all the coverage options available is important before securing a policy.

• 

  Liability coverage

  Liability-only car insurance includes state minimums in bodily injury and property damage liability coverage. It may be adequate coverage for drivers who don’t drive much, have an older car, or can pay for damages out of pocket.

  Liability coverage is cheaper than full coverage, but it leaves you more financially exposed in the event of an incident. You’ll also have to cover your own vehicle damages and medical expenses in any accident you cause.

• 

  Full coverage

  Full-coverage car insurance provides more thorough protection. It includes the minimum liability coverage mandated by state laws as well as collision and comprehensive coverage. It’s good for people who drive frequently, often have passengers, or couldn’t afford to pay for damages out of pocket.

• 

  Collision coverage

  Collision coverage pays for damages to your car if you hit another object, such as a car, tree, fence, sign, or pole.

• 

  Comprehensive coverage

  Comprehensive coverage pays for any damages your vehicle suffers that aren’t related to a collision. This provides protection against severe weather, falling objects, vandalism, and more.

• 

  Other optional coverages

  Other coverages you may consider include personal injury protection (PIP), medical payments, uninsured motorist, roadside assistance, and gap insurance. These additional coverages can ensure you have thorough protection and that your policy limits are high enough that you won’t struggle to pay in the event of a covered accident. Depending on where you live, PIP, MedPay, or uninsured/underinsured motorist coverage may be part of your state’s minimum requirements.

3. Compare car insurance quotes

Once you’ve gathered the necessary information and know how much coverage you want, you can input your data and compare quotes with Insurify. The process takes less than five minutes, and you’ll see all the available insurance companies and how much they’ll charge for your desired coverage.

Comparing quotes through Insurify is much more efficient than calling individual insurers or gathering quotes from each insurer you may be interested in. You’ll only need to input your information once with Insurify to receive rates from various companies.

4. Buy a car insurance policy

Once you’ve selected a policy, you can purchase it online, through the Insurify app, or over the phone with one of Insurify’s fully licensed agents. Your Insurify agent will help you through the entire process, answer any questions you have, and secure your policy in just minutes.

Compare Car Insurance Rates

Find affordable liability coverage for as little as $104/mo.

Enter your ZIP codeView My Quotes

Secure. Free. Easy-to-use.

Based on 3,806+ reviews

4.8/5

5 ways to get cheaper car insurance

Here are five things you can do to secure cheap car insurance:

1. Maintain a clean driving record. A blemish-free driving history is one of the best ways to keep your car insurance rates low. Insurers view drivers with incidents on their record as risky to insure because of the likelihood of repeated driving infractions. Maintaining a clean driving record makes you a safer bet in the eyes of insurers.

2. Compare car insurance quotes. Comparing quotes is another great way to get cheaper car insurance because you can see what multiple companies offer all at once. Compare quotes from at least three insurers every six months to a year to ensure you keep your rates low.

3. Ask about discounts. Most insurance companies offer a wide range of car insurance discounts, including safe driver, auto and home insurance bundling, defensive driver, good student, and many others. Ask an agent about any additional discounts, products, or services you may qualify for.

4. Increase your deductible. Setting a higher deductible will often lower your premium. Just be sure you can afford the deductible out of pocket if you need to file a claim.

5. Improve your credit score. In most states, insurers are allowed to consider your credit history when determining premiums. This means drivers with excellent credit typically pay less than drivers with poor credit.

Factors that affect your car insurance quote

Several factors can affect your car insurance quote, including some that you may not have even considered, such as:

• 

  Your driving record

  If you have multiple incidents in your driving history, you’ll likely pay higher rates than drivers with clean records. A spotty driving record indicates to insurers that you’re likely to file claims in the future.

• 

  Your location

  Where you live and park your car will also affect your insurance rates. Some areas have higher crime, traffic, or accident rates, and insurers adjust rates accordingly.

• 

  Your age

  Younger drivers pay higher rates than older drivers. Insurers charge older drivers less since you gain driving experience as you age, making you less likely to get into a car accident than a new driver. But once you reach your 70s, rates will begin to creep up again due to age-related concerns.^[1]

• 

  How often you drive your car

  If you drive infrequently, you might qualify for cheaper rates. Some insurers offer telematics programs that let you track how much you drive and will charge you based on this mileage.

• 

  Your gender

  In some cases, gender can affect your auto insurance rates. This is because studies show that male drivers engage in riskier driving behaviors. For example, 20-year-old male drivers pay an average of $16 more per month than 20-year-old female drivers for car insurance.^[2]

• 

  The type of car you drive

  An expensive sports car will require you to pay a higher premium because it’s more likely to be stolen and more expensive to replace. A car’s age factors into your rates as well. A car’s value declines as it ages. Drivers with older cars can also choose to forgo collision and comprehensive coverage if their vehicle isn’t worth repairing. This lowers premiums.

• 

  Your credit history

  Most states allow insurers to review your credit history and create a credit-based insurance score when determining your car insurance price. Insurers consider customers with good credit history less likely to file claims than drivers with poor credit history.^[3]

Find Cheap Car Insurance

Check quotes from 100+ top insurance companies

Enter your ZIP codeSee My Quotes

Secure. Free. Easy-to-use.

Based on 3,806+ reviews

4.8/5

Car insurance quotes FAQs