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Your car insurance renewal arrives, and the price has gone up again. Before you pay it, take a little time to get FREE auto insurance quotes from other companies. Comparing prices could reveal a better deal for the coverage you need.
Can you save $500 a year? It’s possible, but it isn’t guaranteed. That works out to about $42 a month. Your savings depend on your location, driving record, vehicle, coverage, discounts, and the rates insurers offer you. The only way to know is to compare actual quotes for the same coverage.
Where to Get FREE Auto Insurance Quotes
You can start on an insurer’s website:
- GEICO — Start an online auto insurance quote.
- Progressive — Get a quote and explore coverage options.
- State Farm — Request a quote online or work with an agent.
- Allstate — Get a FREE online quote and adjust coverage options.
You can also contact an independent insurance agent and ask for quotes from several insurers. The National Association of Insurance Commissioners (NAIC) recommends contacting more than one company or agent and getting at least three quotes. FREE Auto Insurance Quote
How to Compare Quotes Without Sacrificing Coverage
Pull up your current policy before you begin. Use it to request the same liability limits, deductibles, and optional coverages from each insurer. A low quote may look appealing simply because it includes less protection or a higher deductible. The NAIC’s FREE auto insurance shopping tool can help you compare offers side by side.
For each quote, check:
- Total cost for the policy term, including any fees.
- Liability limits and other required coverage.
- Collision and comprehensive coverage and their deductibles.
- Optional coverage, such as rental reimbursement or roadside assistance.
- Discounts included in the price.
- The final price, after the insurer verifies your information.
If one insurer quotes $1,700 a year and your comparable current policy costs $2,200, the difference is $500 a year. Confirm that the coverage and deductibles truly match before counting it as savings.
Ask About Discounts
When you request each quote, ask whether you qualify for discounts for bundling policies, insuring multiple vehicles, being a safe driver, setting up automatic payments, paying the policy in full, or enrolling in a driving program. Available discounts and eligibility vary by insurer and state. FREE Auto Insurance Quote
You can also request a quote with a higher deductible to see how much it changes your premium. Choose a deductible you could afford to pay if you had a claim.
Before You Switch
Review the insurer’s final offer, coverage documents, payment schedule, and effective date. If you decide to change companies, arrange for the new policy to begin before your old one ends so you avoid a gap in coverage.
The takeaway: Getting quotes is FREE, and three comparable quotes give you a useful starting point. A $500 annual saving is a goal to check against your own results, not a promised discount.