Find Your Best Free Insurance Quote Today

When you purchase an insurance policy through Quote.com, you buy directly from the insurance provider you select. Quote.com is an independent insurance marketplace, not an insurance company.

We offer unbiased, customized insurance quotes from top-rated providers, enabling you to compare policies side by side and choose the best coverage at the most competitive price for your needs.

At Quote.com, we simplify the insurance shopping experience by providing free quotes and the insights you need to make informed decisions about your coverage. We don’t sell insurance, but we work diligently to help all consumers find the best insurance.

➡️ Try our free quote generator today to see how much you can save on insurance!

When you get a quote or purchase a policy through Quote.com, the insurance provider pays us for helping them connect with a new customer. These payments enable us to deliver the most efficient, easy-to-use experience possible, so consumers everywhere can compare quotes for free from over 100 trusted insurers.

To get the very best coverage at the lowest price, try our free tool!

It is 100% safe to get insurance quotes at Quote.com. While we are a reputable and trustworthy company, not every site offers the same level of protection.

At Quote.com, we prioritize your security and privacy by using advanced encryption and strictly following data privacy laws. We have third-party cybersecurity experts who conduct regular security testing to ensure our systems remain secure. Our team is trained in security best practices, and we adhere to HIPAA standards to protect your personal information at every step.

Signs of a SAFE website:  

• Encryption & Security: Reputable sites (including Quote.com) use HTTPS encryption to protect your personal data.
• Reputable Partners: Trusted platforms like Quote.com partner only with licensed insurance providers.
• Data Privacy Policies: Legitimate sites clearly explain how your data will be used or shared. 
• No Payment or Obligation: The quotes we provide at Quote.com are 100% free with no pressure and no strings attached.  

➡️ Get safe & free online insurance quotes in minutes at Quote.com! 

Online insurance quotes vary in accuracy depending on the source. At Quote.com, we work closely with our trusted insurance partners to ensure our quotes are as accurate as possible. 

Insurance quotes are cost estimates that can change once the insurance provider reviews your entire personal profile. Here’s a breakdown of how insurance quotes work and the factors that can affect their accuracy:

✅ Elements of Accurate Online Insurance Quotes:

• Algorithm Use: Insurance companies use algorithms to calculate premiums based on the information you provide, including your age, driving record, and car make/model.
• Instant Quotes: Trusted resources like Quote.com provide real-time quotes from multiple providers, giving you a good estimate of what you can expect to pay.
• State Laws Met: Accurate tools factor in national coverage requirements so that the quotes you receive meet the mandated coverage in the state where you live.

🔍 What Affects the Accuracy of Online Insurance Quotes?

• Incomplete or Incorrect Info: If you omit things such as a prior accident or provide inaccurate details (new address), the quote may be inaccurate.
• Additional Screening: Once you officially apply for a policy, the insurance provider might conduct a more thorough review of your driving record and credit history.
• Type of Coverage: The type of coverage you choose (comprehensive, collision, liability) will impact the final quote. If you decide to go with more or less coverage, your final price will be different.
• Policy Discounts: Discounts such as bundling auto and home coverage may be applied to lower your premium below the initial online quote amount.

🏆 How to Get More Accurate Quotes:

Answer questions completely and correctly. Be as precise as possible when entering details about yourself, your driving, and your vehicle.

➡️ Use the free quote generator at Quote.com to compare multiple quotes from the best insurance providers.

When shopping for insurance, you need to compare more than just the price. In addition to cost, consider the following factors: coverage options, service quality, claims handling, and the company’s reputation.

7 things you should compare when insurance shopping:

1. Coverage Types & Limits: Is it minimum coverage (liability only)? Or does it include non-collision damage (comprehensive) and accidents when you’re at fault (collision)? Does it cover you when the other driver doesn’t have enough coverage (Uninsured/Underinsured Motorist UM/UIM)? Are there add-on coverage options?
2. Premiums & Deductibles: Higher deductibles mean lower monthly premiums, but also higher out-of-pocket expenses before your coverage kicks in. Compare prices based on what works best for your budget. 
3. Discounts Offered: Determine what discounts are available. Top deals to look for include good driver, defensive driver, anti-theft, safety features, bundling, new car, multi-car, good student, and low-mileage discounts. 
4. Customer Service & Claims Process: Compare how each company handles claims. Look for customer reviews and ratings such as those from J.D. Power. A company with great customer service can make a big difference. Do they offer 24/7 Support? 
5. Reputation & Financial Stability: Read reviews to gauge claim satisfaction. Compare financial stability through ratings such as those from A.M. Best. What is their market share? A financially strong, established company is more reliable when it comes to paying out claims. 
6. Exclusions & Limitations: Confirm you fully understand what is (and isn’t) covered by each policy. Ensure the coverage limits (max payout) meet your needs.
7. Additional Features: See if roadside assistance, rental car coverage, and usage-based insurance (UBI) are included or available at an additional cost. 

Be sure to compare the list above, in addition to the price tag. Keep in mind, the cheapest policy isn’t always the best value, especially if it comes with low coverage limits or high deductibles.

➡️ Simplify the Process Here: Use the free quote tools at Quote.com to gather quotes from multiple insurers in minutes.

You should compare insurance quotes at least twice a year, and after major life events or changes.

Here are two reasons to always compare quotes every six months:

1. Rates Change: Insurance companies frequently adjust their premiums in response to inflation, claims trends, and market conditions. By comparing quotes once a year, you can ensure that you’re still getting the best deal.
2. New Discounts: If your driving history improves or you become eligible for new discounts, you can qualify for a cheaper rate.

Always compare insurance quotes after these 9 changes or events take place: 

1. Buying or Selling a Car: Your auto insurance premiums can change significantly based on the vehicle’s make, model, safety features, and repair costs.
2. Change of Address: Moving to a different area, especially one with a different risk profile (due to hurricanes, flooding, higher crime rates, etc.), can impact your rates.
3. Changes in Driving Habits: If you start driving less (e.g., start working from home), you could qualify for a low-mileage discount to lower your premium.
4. When Your Policy is Near Renewal: Shop around before your policy renews. Insurance companies often raise premiums after your first year, even if you haven’t filed a claim. Compare quotes a few weeks before your renewal date to see if you can secure a better rate.
5. After a Major Claim: If you’ve filed an insurance claim, your premium might increase. It’s a good idea to compare quotes to try to find a more affordable option.
6. Improved Credit Score: If your credit score has improved, you might be able to qualify for lower rates thanks to your stronger financial standing.
7. Clean Driving Record: If you’ve avoided accidents and traffic violations, it’s time to shop around to see if you can find lower car insurance rates. 
8. Company Rate Increases: If your current insurer raises your rates, you should see if other providers are offering lower premiums.
9. Policy Changes or Exclusions: If your current provider introduces new exclusions or limits your coverage, it’s time to see if there’s a policy that better meets your needs.

🏆 Key Takeaway:

Compare insurance quotes at Quote.com every six months or after any significant life changes. That way, you ensure that you’re not overpaying and are still getting the best coverage for your needs.

Yes, online insurance quotes can help you save money, but the savings depend on several factors, including how effectively you compare quotes and what information you provide.

✅ How Online Quotes Help You Save Money:

• Compare Providers: Quote.com enables you to quickly compare rates from multiple insurance companies side by side. This allows you to easily identify the most affordable option for the coverage you need.
• More Discounts: Our quoting capabilities automatically check for available discounts, such as bundling auto and home insurance and low-mileage savings. These discounts are harder to find and not always advertised elsewhere.
• Save Time: Getting multiple quotes online at Quote.com is much faster than calling insurance agents individually. Save time and money with Quote.com! 

💡 Tips to Maximize Your Insurance Savings:

• Visit a Reliable Site: Quote.com provides instant quotes you can trust. 
• Check for Hidden Fees: When comparing online quotes, make sure you’re viewing the full premiums (with taxes and fees), not just the base rate.
• Review Coverage Details: Ensure that the quotes you are comparing are for the same coverage levels and terms.
• Find Discounts: Ask about available discounts that may not show up in the quote.

➡️ Try the free quote tool at Quote.com to see how much you can save on your insurance!

Sometimes, you can get both the best and the cheapest coverage, and our goal at Quote.com is to help you find the highest quality coverage at the lowest possible price when using our free quote tool. However, it is essential for you to know that the most affordable plans may not always meet your needs. 

Before you choose a policy, it’s important you know how much coverage you need. For example, minimum coverage car insurance, which only provides liability insurance, isn’t the best option for drivers with financed or leased vehicles. Plus, if you prioritize superior customer service, you may need to pay more for a provider with consistently satisfied customers.

At Quote.com, the providers we partner with offer the most competitive rates nationwide. Compare top providers near you today!

In the United States, the average monthly cost of car insurance is $61 for minimum coverage and $165 for full coverage, but your premiums will vary based on the following:

• Driving Record (accidents, speeding tickets, DUIs, and other violations)
• Age and Gender
• Vehicle Year, Make, & Model
• Credit History (in most states)
• Where You Live
• Your Deductible 

Follow these steps for the biggest savings: How to Get Multiple Auto Insurance Quotes

If you are bundling your auto and home insurance, you should consider the factors impacting homeowners insurance as well. Your driving history or the car you drive won’t impact your home insurance rate, but insurance providers do use other factors when determining the cost of coverage for your home, including:

• Location and Age of Your Home
• Your Home’s Building Materials
• Your Home’s Value

…all of these factors will play a big part in determining your final home insurance premium.

➡️ To get competitive rates from top-rated providers, compare homeowners insurance quotes today at Quote.com.

Rates are based on Quote.com’s internal analysis. Your final rate will depend on your unique profile.

Yes, homeowners are often charged lower car insurance rates than those who don’t own a home. Here’s why:

• Bundling Discounts: Many insurance companies offer substantial discounts (10-25% off) to policyholders who purchase both their car and home insurance policies from the same company. The insurance provider gains more business, and you not only receive a discount but can also manage both policies in one place. It’s a win-win! 
• Multi-Vehicle Discounts: People who own homes often have other insured drivers living under the same roof. Insurance companies offer discounts (8-15% off) to those who insure multiple vehicles on the same policy, resulting in cheaper rates per vehicle. 
• Stronger Credit Scores: Homeowners with a consistent mortgage payment history usually have better credit scores than renters. In most states, insurance companies use credit scores to determine rates, and those with higher scores receive lower rates (up to 40% less).

➡️ Compare quotes to find cheaper coverage today!