How to Get Multiple Auto Insurance Quotes in 2025 (5 Easy Steps)
It's important to know how to get multiple auto insurance quotes to lock in the best rates. Start by checking car insurance quotes comparison sites, such as Quote.com, or directly with providers. Some quotes start as low as $32 a month, but look closely at the coverage details, not just the price.
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Jeff Root
Licensed Insurance Agent
Jeff is a well-known speaker and expert in life insurance and financial planning. He has spoken at top insurance conferences around the U.S., including the InsuranceNewsNet Super Conference, the 8% Nation Insurance Wealth Conference, and the Digital Life Insurance Agent Mastermind. He has been featured and quoted in Nerdwallet, Bloomberg, Forbes, U.S. News & Money, USA Today, and other leading...
Licensed Insurance Agent
UPDATED: Apr 24, 2025
It’s all about you. We want to help you make the right legal decisions.
We strive to help you make confident insurance and legal decisions. Finding trusted and reliable insurance quotes should be easy. 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 insurance. Our goal is to be an objective, third-party resource for everything legal and insurance related. We update our site regularly, and all content is reviewed by experts.
UPDATED: Apr 24, 2025
It’s all about you. We want to help you make the right legal decisions.
We strive to help you make confident insurance and legal decisions. Finding trusted and reliable insurance quotes should be easy. This doesn’t influence our content. Our opinions are our own.
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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.
- Step #1: Research Insurers – Check reviews and claims handling for reliability
- Step #2: Get Quotes – Use comparison sites, agents, or go directly to insurers
- Step #3: Give Accurate Information – Be truthful about driving habits and car details
- Step #4: Compare Coverage – Look at coverage limits and add-ons, not just price
- Step #5: Review and Choose – Select the quote with the best coverage and price
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.
You can mix and match these methods. Start with a comparison tool and then get a couple of direct quotes to double-check the numbers.
Michelle Robbins Licensed Insurance Agent
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, deductibles, and additional coverage options, such as roadside assistance, rental reimbursement, or gap coverage.
Auto Insurance Coverage Types & What It Covers| Coverage Type | What It Covers |
|---|---|
| Liability | Injuries and property damage to others when you're at fault |
| Collision | Your vehicle’s repair/replacement after a crash (regardless of fault) |
| Comprehensive | Non-collision damage like theft, fire, vandalism, or weather |
| Uninsured/Underinsured Motorist | Costs if you're hit by a driver with little or no insurance |
| Medical Payments (MedPay) | Medical expenses for you and your passengers regardless of fault |
| Personal Injury Protection (PIP) | Medical, rehab, lost wages, and other costs from injuries (regardless of fault) |
| Gap Insurance | Difference between vehicle value and loan/lease if the car is totaled |
| Roadside Assistance | Towing, fuel delivery, flat tire service, and lockout help |
| Rental Reimbursement | Cost of a rental car while your vehicle is being repaired after a covered claim |
| Custom Parts & Equipment | Damage or loss of aftermarket accessories (rims, sound systems, etc.) |
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.
Enter your zip code below to view companies that have cheap insurance rates.
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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.
Auto Insurance Monthly Rates by Provider & Coverage Level| Insurance Company | Minimum Coverage | Full Coverage |
|---|---|---|
 | $87 | $228 |
 | $62 | $166 |
 | $76 | $198 |
 | $43 | $114 |
 | $96 | $248 |
 | $63 | $164 |
 | $56 | $150 |
 | $47 | $123 |
 | $53 | $248 |
 | $32 | $84 |
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.
Before you start comparing, make sure you know what kind of coverage you’re comfortable with. 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.
If you’re not sure whether you want just liability or full coverage, it’s going to be hard to compare quotes. Collision and comprehensive coverage make a big difference in price, so mismatched coverage will give you a false sense of what’s cheaper. Before you start filling out any forms, take a moment to think about what level of protection you’re looking for.
Read 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. 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).
It is critical not to simply seek the lowest price. Ensure that the coverage meets your specific needs, and carefully review each quote. It all comes down to striking the right balance between cost and coverage.
Brad Larson Licensed Insurance Agent
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.
Enter your zip code below to view companies that have cheap insurance rates.
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Frequently Asked Questions
How do I get multiple quotes for auto insurance?
Wondering how to get multiple insurance quotes for your vehicle? The easiest way is to check out comparison tools, connect with agents, or go straight to insurer websites.
Can I get multiple auto insurance quotes at once?
Yes, you can get multiple auto insurance quotes at once using online comparison tools. Websites like this one let you fill out one form and then provide quotes from several insurers at once. Enter your ZIP code to get started.
Does getting multiple insurance quotes hurt your credit?
Can quotes affect a credit score? No, getting multiple auto insurance quotes does not typically affect your credit score. Insurance companies conduct a soft inquiry when they check your credit to provide a quote. Unlike a hard inquiry, which happens when you apply for a loan, a soft inquiry doesn’t impact your credit score.
How do I get the cheapest auto insurance quotes?
If you’re like most drivers, you’re probably wondering how to get the cheapest car insurance quotes without cutting corners on coverage. The trick is to shop around. Companies like Geico, State Farm, Progressive, Nationwide, and USAA (if you qualify) usually have some of the lowest rates. Find out if you qualify for USAA in our USAA insurance review.
Whatare eligible easiest way to get auto insurance quotes?
The easiest way to get multiple car insurance quotes is by using an online comparison tool. This saves time and gives you a broad view of available options. If you prefer, you can also contact insurance agents directly or visit insurers’ websites to request quotes individually.
Can you get an auto insurance quote before buying?
Yes, you can get a car insurance quote before you buy a car. In fact, it’s a good idea to get quotes in advance to know what to expect in terms of pricing and coverage.
Learn More: Ultimate Guide to The Best Time to Buy a Car
What are the best insurance comparison sites?
The best car insurance quotes comparison sites include Quote.com, AutoInsurance.org, and financial websites like NerdWallet and ValuePenguin. With these sites, you can quickly compare car insurance quotes and find the best deals.
Is getting too many auto insurance quotes bad?
Getting multiple car insurance quotes is actually a good strategy for finding the best deal on car insurance. Enter your ZIP code to start comparing free auto insurance quotes today.
Does your credit score affect your auto insurance quote?
Yes, your credit score can impact your car insurance quote. Many insurers use credit-based insurance scores to help determine your rates. However, it’s not the case everywhere. Some states, like California, Massachusetts, and Michigan, don’t allow insurers to use credit scores when setting rates.
What is the best way to insure multiple vehicles?
The best way to get cheap auto insurance for multiple vehicles is by taking advantage of multi-car discounts. Most insurers offer these discounts when you insure more than one vehicle with them.
Is it better to get an insurance quote online or in person?
It’s generally faster and more convenient to get a car insurance quote online. Using comparison websites, you can quickly receive quotes from multiple insurers with just a few details. However, if you prefer personalized assistance or have complex needs, talking to an insurance agent in person or over the phone might be a better option.
What’s the best way to compare auto insurance?
The best way to compare auto insurance is by gathering quotes from several car insurance providers. To compare car insurance effectively, you must look at the same coverage types, deductibles, and add-ons.
How can I get multiple car insurance quotes near Atlanta, GA?
If you’re wondering how to get multiple car insurance quotes near Atlanta, GA, the quickest way is to use an online quote comparison tool. You can also reach out to local agents for personalized assistance.
Enter your zip code below to view companies that have cheap insurance rates.
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Jeff Root
Licensed Insurance Agent
Jeff is a well-known speaker and expert in life insurance and financial planning. He has spoken at top insurance conferences around the U.S., including the InsuranceNewsNet Super Conference, the 8% Nation Insurance Wealth Conference, and the Digital Life Insurance Agent Mastermind. He has been featured and quoted in Nerdwallet, Bloomberg, Forbes, U.S. News & Money, USA Today, and other leading...
Licensed Insurance Agent
Editorial Guidelines: We are a free online resource for anyone interested in learning more about insurance. Our goal is to be an objective, third-party resource for everything legal and insurance related. We update our site regularly, and all content is reviewed by experts.