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SelectQuote makes shopping for auto insurance easy by comparing quotes from highly rated carriers on your behalf.
Why is comparing multiple car insurance quotes the best way to save money and find the right coverage?
Car insurance is a necessary financial safeguard against the costs of an accident, damage, or destruction of your vehicle, and while gathering and comparing quotes for car insurance from various carriers can be a time-consuming and overwhelming process, it is essential for securing the optimal balance of coverage and rate.
At SelectQuote, we combine our years of experience with your specific needs to provide you with car insurance quotes from some of the most trusted companies in the nation in just minutes. We can also answer any questions you have, match you with the right auto insurance company for your needs, and find opportunities to try and save you money.How to Get Car Insurance Quotes
Here’s how you can get the car insurance quotes you need in a few simple steps:1. Decide your coverage.
Start by selecting the coverage options that best fit your needs. Whether you're looking for basic protection or something more comprehensive, SelectQuote makes it easy to understand your choices. Using our website form or speaking with one of our friendly agents, you'll get expert guidance to ensure you're choosing the right coverage to protect yourself, your vehicle, and your loved ones.2. Choose a deductible amount.
Next, decide on a deductible amount—the portion you’ll pay out of pocket before your insurance kicks in. Whether you want a lower deductible with higher premiums, or a higher deductible to save on costs, SelectQuote’s easy-to-use form or knowledgeable agents can help you determine which option works best for your budget and needs.3. Let SelectQuote do the work.
Instead of wasting time and energy shopping around for quotes, let SelectQuote handle it for you. With just a few details from you, we’ll compare rates from top-rated insurance providers and find the best deals in minutes. Whether you're using our online form or calling our team, we'll make sure you get the most affordable, reliable coverage without the hassle.Compare Free Car Insurance Quotes Online Today
When you're looking for cheap auto insurance, it's essential to find the best coverage at the most affordable price. At SelectQuote, we make it easy by providing auto insurance comparison quotes in just minutes. Our team will help you quickly compare policies from top-rated providers, ensuring you get the right coverage at a price that fits your budget.See Our Customer Reviews with SelectQuote
Learn More About Car Insurance
Navigating all the options, prices, and fine print can be overwhelming, often bringing up more questions than answers. At SelectQuote, we simplify the process, allowing you to compare prices and coverage from some of the most trusted auto insurance carriers. We will make sure all your questions are answered and concerns are kept at bay.
Types of Car Insurance Coverage
Car insurance offers a variety of coverage options designed to protect both drivers and their vehicles in different situations. Here’s a look at the six basic types of auto insurance coverage:Type of Auto Insurance Coverage | What This Coverage Protects... |
Bodily Injury Liability | If you're at fault in an accident, bodily injury liability covers the medical, rehabilitation, and funeral expenses of those injured, even if they are not in your vehicle. This coverage also takes care of legal fees and settlements in case of a lawsuit resulting from the accident. |
Property Damage Liability | Similar to bodily injury liability, property damage liability applies when you are responsible for an accident. It covers the costs of repairing or replacing the other party's vehicle and any other property you damage. However, it does not extend to damage to your own vehicle or property. |
Personal Injury Protection | PIP provides coverage for medical expenses, rehabilitation costs, lost wages, and funeral expenses for you and your passengers, regardless of who is at fault in the accident. In some states, PIP is a mandatory part of your coverage. |
Uninsured / Underinsured Motorist Protection | This coverage helps if you're in an accident caused by a driver who has no insurance or insufficient coverage. It pays for your medical expenses, rehabilitation, and funeral costs, as well as covering legal fees in the event of a lawsuit. Some states require this coverage, while others offer it as optional. |
Collision Coverage | If you're at fault in an accident, collision coverage helps pay for repairs to your own vehicle, up to its full value. It covers damage from any collision, regardless of the other party’s insurance status. |
Comprehensive Coverage | Comprehensive coverage protects against damage to your car caused by events beyond your control, such as theft, vandalism, or natural disasters. It’s designed to handle unpredictable incidents that collision insurance doesn’t cover. |
What Car Insurance Doesn’t Cover
If you don’t have comprehensive coverage, your auto insurance policy won’t cover losses if your car is stolen or damaged by something other than a collision. This could include:
Vandalism
Severe weather events(windstorms, hail, flood, etc.)
Animal impact
Additional Coverage Options
To make sure your assets are covered in the case of an accident, it’s important to insure all of your properties and modes of transportation with additional coverage options:
Car Insurance FAQs
Here’s a look at some frequently asked questions about car insurance coverage:
How much does car insurance cost?
The cost of car insurance depends on a number of factors. Car insurance rates can be based on your zip code, driving record, age, marital status, credit score, choice of ride, how much coverage you decide to buy, and more.
What type of car insurance is the cheapest?
The cheapest type of car insurance is typically liability coverage, as it only covers damage to other vehicles or injuries you cause in an accident. While it offers less protection than comprehensive or collision coverage, it's often the most affordable option for drivers with older cars or limited budgets.
Who generally has the cheapest car insurance?
Young drivers, drivers with good credit, and those with a clean driving record generally receive the cheapest car insurance. Additionally, opting for basic coverage on older cars or bundling policies (like auto and home insurance) can further reduce premiums.
At what age is car insurance cheapest?
Car insurance tends to be cheapest for drivers in their 30s and 40s, as they are considered less risky by insurers. Premiums typically decrease after the age of 25, once a driver has gained more experience and a safer driving history.
What happens if I don’t add my teenager to my car insurance?
If you don't add your teenager to your car insurance policy and they are caught driving without coverage, you could face legal consequences, including fines and liability for any damages or injuries they cause in an accident. Additionally, your insurer may cancel or refuse to renew your policy.
Is car insurance mandatory in every state?
Car insurance is a conglomeration of many different policies. Every state has its own requirements for the policies you need to hold. Some states require you to carry liability insurance, others add on personal injury protection and underinsured/uninsured motorist coverage.
Check out your state’s car insurance requirements to learn more.Is it easy to cancel my car insurance?
Cancelling your auto is usually a quick process that requires a call to your insurer directly.
Is it easy to switch my car insurance?
Switching your car insurance with SelectQuote is simple and stress-free. Our easy-to-use online platform allows you to quickly compare quotes from top-rated insurers, giving you a clear picture of your options. Our team of experts is also available to assist you every step of the way, ensuring that there are no gaps in coverage and helping you secure the best deal.
Still have questions? SelectQuote can help.
At SelectQuote, we’ve made finding car insurance easy. We’ll ask you for more information about your car and learn more about your needs, ensuring we’re looking for the kind of auto insurance coverage that’s right for you.
Call now at 855-226-2992.
