Triple-I recommends comparing policies from at least three insurers, and comparing like with like: every quote should have the same types and amounts of coverage. It is difficult to compare policies if, for instance, one offers $50,000 in property damage liability, another $30,000 and a third $100,000. Price and deductible matter, but so do the insurer’s reputation and financial stability. These pages describe U.S. insurance in general terms; rules, required coverage and prices differ by state and insurer, so check your state insurance department and your policy. We give no rates, because none of the sources we read give current ones.
How do you compare car insurance quotes?
- Decide what cover you need. Know how you use the car and what you want covered; see auto insurance basics.
- Get at least three quotes. Triple-I says prices vary a lot between companies, so you may be surprised. Get quotes from different types of insurer: those that sell through their own agents, through independent agents who offer several companies, and those that sell directly to consumers by phone or online.
- Ask for the same coverage types, limits and deductibles from each. Triple-I lists the coverages to consider: primary liability (bodily injury and property damage), medical payments, uninsured motorist, collision and comprehensive, plus options such as glass coverage and rental car reimbursement.
- Look beyond the premium. Check the payment schedule: is there a fee for paying monthly, or a discount for paying a year at once?
- Check the deductible. It is what you pay before insurance kicks in; a higher deductible generally lowers the premium. See choosing a deductible.
- Check the insurer. Triple-I says to confirm it is licensed in your state through your state insurance division, where you can also see consumer complaints, and to check its financial strength with rating agencies.
Should you choose the cheapest quote?
Triple-I says not to shop by price alone: ask friends and relatives for recommendations, check complaint information and pick an agent or representative who takes time to answer your questions. For ways to cut the price see nine ways to lower your car insurance cost.
Frequently asked questions
How many quotes should I get?
At least three, according to Triple-I.
Can I compare quotes with different deductibles?
It is better not to. Triple-I says to compare apples to apples, with the same coverage types and amounts; the deductible changes the price.
How do I check an insurer is legitimate?
Triple-I says to check that it is licensed in your state on the state insurance division’s website, which also shows complaints.
Source: Triple-I, “How to find the right auto insurance” and “Nine ways to lower your auto insurance costs” (iii.org, read 13 November 2026; no publication date shown).