Where to Get an Instant Auto Insurance Estimate in 2024 (Follow These Steps)

Not sure where to get an instant auto insurance estimate? Quote comparison websites make it simple to get multiple auto insurance quotes from companies quickly.

When examining car insurance quotes, it is necessary to make certain that you’re comparing the same coverage, vehicles, and circumstances, and quote comparison sites make that simple.

Be sure to use the free comparison tool at the top of this page to compare auto insurance quotes instantly. Enter your ZIP code to get started.

Process of Getting Instant Auto Insurance Estimates

Quick, if not exactly instant, car insurance estimates are available online (Learn More: How to Get Free Online Auto Insurance Quotes). They’re called estimates because insurance companies have to complete investigative reports such as credit checks, driver’s licenses and record examinations, and database searches before actually binding coverage and issuing a policy. Here is the process for getting a car insurance quote estimate.

Collect Relevant Information 

Make sure you have the necessary information on hand to get an auto insurance estimate. Generally, you’ll need the following:

• Full names, dates of birth, and drivers’ license numbers for everyone who drives your automobiles.
• Driving records for each driver – include any violations.
• List of automobile insurance claims you have had in the last five years, along with an estimate of the amount paid by the insurance company.
• Make and model of all the vehicles you own; you will need the Vehicle Identification Numbers for each vehicle to get a policy issued.
• Insurance coverage you desire on your vehicles. A copy of your insurance policy will help you determine what limits you have been carrying.

Having this information on hand will make the process of getting a vehicle insurance estimate much quicker.

Choose A Reputable Website

Groups of advertisements for insurance companies will appear on your screen with a great many names available. Look in the list of available companies until you find a listing for websites that do not include an individual insurance company.

Enter the information as required in the application presented on the website. Be sure to answer all the questions carefully because the software will not accept the information unless it is complete.

For the sake of security, even though the websites are technically secure, as a practice do not enter your Social Security Number until you make the decision to purchase the insurance.

Receive Instant Auto Insurance Estimates

 In some cases, you will get quotations on prices from two or three companies that write insurance in your state.

Often, though, you will be presented with a quotation from one insurance company with the option of choosing other companies for second and third quotes.

Most sites have a method of entering a username and password to recover the quote later. If you have a printer available, it is wise to print out a copy of the quote for later reference.

When choosing a company, examine the company’s reputation on an independent insurance review website and ask your friends and family about the insurance company (Learn More: How to Check if an Auto Insurance Company Is Legitimate).

What to Consider When Comparing Insurance Estimates

When examining insurance quotes, it is necessary to make certain that you’re comparing the same coverage, vehicles, and circumstances. This is one reason why printing the quotes will help since you can run a line-item comparison.

Some companies offer variations in coverage automatically.

Things such as towing and labor, rental car reimbursement coverage, disappearing deductibles, and deductibles applying to glass only can be included. Examine the coverage offered carefully to make certain the comparison is exact.

Auto Insurance Price Comparisons

Doesn’t it strike you as a wise thing to compare prices for insurance at least on a yearly basis?

Statistics indicate that the average person will pay roughly $84,000 over their lifetime in insurance premiums.

This is about two-thirds of the cost of a house. The yearly anniversary of your insurance policies is an excellent time to examine and compare costs. For an idea of how much auto insurance costs, see average rates at popular companies below.

Auto Insurance Monthly Rates by Provider & Coverage Level

Insurance Company	Minimum Coverage	Full Coverage
	$61	$160
	$44	$117
	$53	$139
	$30	$80
	$68	$174
	$44	$115
	$39	$105
	$33	$86
	$37	$99
U.S. Average	$45	$119

Rates vary from company to company for statistical reasons related to cost of losses, operating costs, and profit margins. Comparing costs can make a substantial difference in your yearly premiums.

Auto Insurance Limits and Coverage

States require a certain limit of liability coverage to drive in the state legally. This is true in all fifty states, although liability insurance amounts will vary.

In most states, the required coverages are:

• Bodily Injury Liability: Covers your legal responsibility for an accident that hurts others.
• Property Damage Liability: Covers your legal responsibility for an accident that damages the property of others.

Some states may also require medical payments, which allows immediate medical payments for auto accident-related expenses. Lenders will also require leased vehicle owners to carry comprehensive and collision insurance for a full coverage policy.

If you are in the process of checking estimates for car insurance, take a bit of extra time and look at the difference in price among levels of liability and full coverage policies.

Recommended Auto Insurance Coverage

Even though the legal limits of liability are relatively low, it is recommended that you carry higher limits. In an accident, for example, you may have bodily injury insurance limited to $25,000 per person and $50,000 per accident.

Learn More: What are the recommended auto insurance coverage levels?

If you are at fault for an accident that injures, for example, four people and they sustain a great many injuries, you may end up having to pay for the amount that is not covered as well as attorney’s fees and court costs. Injuries to four persons at $25,000 each can cost $100,000.

The policy then leaves you responsible individually for $50,000 of that cost. The following limits are recommended by most insurance agents considering the rising costs of medical care and property damage:

• Bodily Injury: $100,000 per person up to $300,000 per accident
• Property Damage: $50,000 per accident ($100,000 is feasible, considering the cost of cars now)

If you are in the process of checking estimates for car insurance, take a bit of extra time and look at the difference in price among levels of liability.

Some websites will calculate this for you at the time of your quote. You will find that additional liability coverage is not that much more expensive and offers you significantly more protection.

Purchasing Auto Insurance Online After Estimates

Getting instant auto insurance estimates is simple when using a quote comparison tool. Once you’ve decided on an insurance company and premium, arrange to complete the application and buy auto insurance online instantly.

The company will require a down payment. The company will process credit checks, driver’s license verification, and claims history electronically. Electronic signatures make it possible to put the policy in force in a short amount of time. A copy of the policy and proof of insurance can be e-mailed to you so you may print it out.

To protect yourself, examine the company’s reputation through A.M. Best and ask your friends and family about the insurance company. Your local Better Business Bureau can be consulted online.

Always compare quotes before purchasing. Comparison tools such as the one below are the simplest ways to get fast results. Enter your ZIP code to start comparing quotes for free now.