Get a car insurance quote
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Most people shop auto insurance once and then renew on autopilot for years. That's how premiums drift upward without anything about your driving changing.
Getting a fresh quote takes a few minutes. Here's what to have ready and how to make sure what you're comparing is genuinely comparable.
What to have ready
- Year, make, and model of each vehicle
- Approximate annual mileage
- Names and dates of birth for everyone who drives
- Your current coverages and limits — your declarations page has these
- Your current deductibles
- Any accidents, claims, or violations in recent years
What tends to move an auto rate
Some of these you control, some you don't. Knowing which is which saves a lot of frustration.
- The coverages and limits you choose, and your deductibles
- Driving record, including at-fault accidents and violations
- Annual mileage and how the vehicle is used
- The vehicle itself — repair costs and safety features both matter
- Where the vehicle is garaged
- Discounts you qualify for but aren't currently receiving
- Depending on the state and product, credit-based insurance information
Compare like for like, or don't bother
A cheaper quote usually means less coverage, and the difference tends to surface at claim time rather than at purchase.
- Are the liability limits identical?
- Are collision and comprehensive both included, at the same deductibles?
- Is uninsured motorist coverage present in both?
- Are add-ons like rental reimbursement included in one and not the other?
- Do both assume the same drivers and the same mileage?
The discounts people most often miss
Discounts vary by insurer and by state, so this isn't a promise that any apply to you — it's a list worth asking about explicitly, because they're frequently not applied automatically.
- Bundling auto with home or renters coverage
- Low annual mileage
- Defensive driving course completion
- Good student status
- Vehicle safety and anti-theft features
- Paperless billing or paying in full
Common questions
Requesting a quote from another insurer does not raise your existing premium. Insurers may review driving records and, where permitted, credit-based insurance information as part of quoting.
A few minutes to gather your details and a short conversation. Having your current declarations page in front of you makes it faster and the comparison far more accurate.
No. Plenty of people find out they're already well covered at a fair price, and that's a useful thing to know.
Want this priced for your situation?
This page is general information, not advice about your specific circumstances. A licensed insurance professional can tell you what’s actually available to you.
General information only, not insurance advice. Coverage, availability, and terms vary by insurer and by state, and are subject to underwriting. Quote My Policy LLC is a licensed insurance producer. Nothing here binds coverage.