Start With the Same Coverage Limits
A lower quote is not necessarily a better quote if it provides less protection. When comparing insurers, use the same liability limits and similar optional coverages so the prices represent comparable policies.
Compare Deductibles
Collision and comprehensive deductibles affect both premium and what you may pay after a covered loss. A higher deductible can reduce premium, but it also increases the amount you would need to cover yourself when making a claim.
Review the Main Coverage Types
Liability coverage
Liability coverage can help pay for covered injuries or property damage you cause to others, subject to the policy's terms and limits.
Collision and comprehensive
Collision generally addresses covered damage to your vehicle from a collision. Comprehensive generally addresses certain non-collision losses such as theft, weather, or falling objects, subject to policy terms. Use the collision and comprehensive decision guide to compare vehicle value, deductibles, premiums, and lender requirements.
Uninsured and underinsured motorist coverage
Availability and requirements vary by state. Review how the coverage works and whether the limits align with the protection you want.
Look at Discounts, but Compare the Final Price
Insurers may offer discounts for bundling, safe driving, vehicle safety features, payment choices, or other factors. Focus on the final premium and coverage rather than the number of discounts advertised.
Check Exclusions and Policy Features
Look for meaningful differences such as rental reimbursement, roadside assistance, glass coverage, usage restrictions, and other endorsements. Ask what is not covered as well as what is covered.
A Simple Auto Quote Checklist
- Use the same liability limits for each quote.
- Keep collision and comprehensive deductibles comparable.
- Review uninsured/underinsured motorist options.
- Compare the final premium after discounts.
- Review exclusions and optional endorsements.
- Consider service and claims support in addition to price.
Estimate Before You Request Quotes
Our planning tools can help you think through cost and coverage factors before requesting actual quotes.