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How to get a car insurance quote

You can compare rates and coverage options from different insurance companies by getting an auto insurance quote. Even though traditional car insurance companies offer free quotes, this process can be inefficient since only one option is presented. Within minutes, drivers can receive quotes from hundreds of the most trusted insurance companies using The Zebra.

The following steps will help you find great coverage at an affordable price if you are shopping for a new policy.

1. Set a budget

The first thing most customers look at when comparing quotes is price. It’s important to keep your car insurance costs within budget, but remember: the cheapest option isn’t always the best. Cheaper coverage from an auto insurance company with a poor track record or poor customer service may not be ideal. This is where your knowledge of coverage types will come in handy.

2. Consider your coverage

Knowing what coverage you need ahead of time can help you in your search for car insurance. While some drivers just want to get minimum car insurance coverage, there are a lot of reasons to look beyond just basic liability insurance. For one, you risk paying out of pocket for damages that exceed your liability limits after an at-fault accident. Second, some insurance companies see drivers with a history of state minimum coverage as risky. If any insurance company sees you as a risky customer, they will account for that risk with a higher premium.

3. Research insurer reputation

In the process of shopping for insurance, you should become familiar with how insurance companies treat their customers. You should check out things like claims satisfaction and customer complaints, as well as organizations like the Better Business Bureau and J.D. Power. Another great place to start is with our list of the best car insurance companies.

4. Choose how to get your quotes

After doing some research on the best insurers, the next step should be deciding how to receive your insurance quotes. Regardless of the method you choose, it’s important to get multiple quotes. This can be done through the following methods:

How vehicle type affects auto insurance quotes

Car insurance quotes can vary substantially depending on the type of vehicle you drive.

The insurance costs for newer, more expensive, faster, and less safe cars are generally higher. Each insurer weighs these factors differently.

Among the country’s top-selling vehicles, which range from pickup trucks and SUVs to sedans, the Mazda CX-5 and Ford Ranger have some of the cheapest full coverage car insurance rates.

TypeModelAnnual quoteMSRP
SUVMazda CX-5$2,343$25,370
MinivanHonda Odyssey$2,585$32,290
SedanHonda Civic$2,732$21,900
CrossoverChevrolet Traverse$2,632$33,700
Pickup truckFord Ranger$2,558$25,285

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