How to Get Multiple Auto Insurance Quotes in 2025

To get multiple auto insurance quotes, start by doing a bit of research. Look into a few well-known insurers, then either use an online tool to compare quotes, reach out to agents, or contact companies directly.

Comparing quotes side by side is important. This way, you can find the cheapest car insurance that gives you the coverage you need.

These five steps will walk you through how to get multiple auto insurance quotes so you can compare options and save money. Then, enter your ZIP code to compare quotes from top companies in your area.

5 Steps to Getting Multiple Auto Insurance Quotes

If you want to make sure you’re getting the best deal on car insurance, you should ask different companies for quotes. Each company might give you something different, like a lower price, discounts, or extra coverage.

If you’re not sure what to do if you can’t afford car insurance, visit comparison websites to utilize free finance tools and compare all the quotes, and see which provider is the best. The steps below explain how to get there.

Step #1: Research Companies

Before you begin filling out quote forms, do some quick research on the insurers you’re considering. Don’t base your decision solely on the price; instead, consider how claims are handled.

Look at customer reviews rather than just star ratings, and pay attention to how they treat people. If you know someone who has filed a claim with them, ask about their experience.

Read More: How to Compare Auto Insurance Companies

Step #2: Choose How to Get Insurance Quotes

Because there’s no one right way to shop for car insurance, how you get quotes mostly comes down to how much time you’ve got and whether you’d rather do the legwork yourself or have someone else handle it.

• Comparison Sites: Online comparison sites like Quote.com allow you to enter your ZIP code and receive instant quotes from multiple auto insurance providers.
• Independent Agents: They can pull quotes from several insurers and help explain what each one covers. It’s a solid option if you want someone to walk you through it.
• Direct From Insurers: Visit company websites or call them directly to get quotes straight from the source. This gives you more control and a chance to ask questions upfront.

Each method has benefits, so consider which fits your style. Comparison sites like Quote.com can save you time if you prefer convenience. Enter your ZIP code to compare quotes now for free.

If you need personalized help, an agent might be the way to go. This can be especially helpful if you’re not sure where to start or want help understanding how to buy auto insurance.

It’s all about getting a better sense of what’s out there. Combining these methods will give you the most accurate quotes.

Step #3: Provide Accurate Information

The key to getting an accurate car insurance quote is being upfront. Lying or leaving out information, like how many miles you drive, any accidents you’ve had, or even your car’s make and model, could affect your quote — it’s one of the main reasons you’re denied insurance coverage.

For many drivers, it may seem tempting to claim you drive less than you actually do to save a few dollars on your premium. But if the insurer finds out you’ve lied, they might drop you or refuse to pay out if you need to file a claim. It’s just not worth the risk. The more accurate your information, the more reliable your quote will be.

Step #4: Compare Quotes Side by Side

Don’t just focus on the price. Two quotes might cost about the same but cover very different things. Look closely at the liability limits, insurance deductibles, and additional coverage options, such as roadside assistance, rental reimbursement, or gap coverage.

Auto Insurance Coverage Types: Details on What’s Covered

Some policies include those automatically, while others charge more or leave them out entirely. If you’re not sure which add-ons are worth it, check out the ultimate insurance cheat sheet for a quick breakdown of what’s useful.

Step #5: Choose the Best Quote

Look closely at each quote and make sure you’re comparing the same type of coverage. One might include more liability protection than another, even if the price is just a little higher. The cheaper option might seem like the easy choice, but ask yourself if it would really be enough after a serious accident. In most cases, it won’t be.

Take a moment to check the deductibles, too. A lower premium might mean you’ll have to pay more out of pocket if you file a claim. If that feels like too much of a stretch, it’s probably not the right fit.

Car insurance discounts are a better way to save money. Some companies lower your rate if you pay annually instead of monthly, if your car has safety features, or even if you’ve got a clean driving record.

Car Insurance Rates vs. Quotes

When you’re shopping around for car insurance, many drivers easily get confused between rates and quotes. A quote is basically an estimate. It’s what you’ll see when you ask for pricing based on the information you give them. But keep in mind that’s not your final rate.

Your actual auto insurance premium could be higher or lower, depending on your driving history, how much coverage you need, and where you live. While quotes give you a rough idea of what you might pay, your real rate might look a bit different once all the details are in.

Read More: The 17 Best Tips to Pay Less for Car Insurance

How Different Types of Auto Insurance Coverage Affect Quotes

Most people don’t realize how huge an impact the coverage they choose has on their quote. If you only look at the price without checking what it covers, you could end up underinsured or overpaying for coverage you don’t need. Before you start comparing, make sure you know what kind of coverage you’re comfortable with.

Say one quote includes just liability, and another has full coverage with comprehensive and collision. Those are two very different levels of protection, so of course, the prices will be miles apart. Even when you compare multiple auto insurance quotes by company, you will see that rates can vary by $50 or more per month for the same level of coverage.

Auto Insurance Monthly Rates by Provider & Coverage Level

One mistake that throws off a lot of drivers when getting multiple car insurance quotes is jumping into the quote process without having a clear idea of the coverage they need. Collision and comprehensive auto insurance make a big difference in price, so mismatched coverage will give you a false sense of what’s cheaper

If you’re not sure whether you want just liability or full coverage, it’s going to be hard to compare quotes. Before you start filling out any forms, take a moment to think about what level of protection you’re looking for.

Learn More: Is it bad to cancel car insurance?

How to Get Multiple Auto Insurance Quotes and Save

Obtaining multiple auto insurance quotes is simple: do some research, use comparison tools, and contact a few agents for quotes.

USAA and Geico often have the cheapest insurance rates, but the more quotes you get, the better your chances of finding a good deal that suits you (Read More: An Insured Story: These 3,000 People Got Auto Insurance Right).

A common issue is providing inaccurate information during the quote process. It might seem harmless to leave out a recent claim or adjust your annual mileage to get a cheaper quote, but insurance companies verify the details you provide.

If there’s a mismatch, your rate could go up later, or you could lose coverage.

Before you get multiple quotes for auto insurance, ensure your application reflects accurate information. And because each driver’s situation is unique, finding the right policy is essential. Enter your ZIP code into our free quote tool to compare car insurance rates side-by-side and see what different companies have to offer.