Auto quotes

BY EMILY DELBRIDGE
An insurance quote is an estimate of what your rate could be with a potential insurance carrier. Quotes are subject to change depending on how much information you give at the time of the quote. The more forthcoming you are with information, the more accurate your insurance quote.
01 How long does it take to get a car insurance quote?
Young man looking at car insurance on laptop
Getting a single quote should not take much of your time. A lot of factors can affect the amount of time it takes to get an insurance quote. How many drivers and vehicles you have and where you get your quote, can all affect the time it takes to actually get a quote.

Call an insurance agent: You can expect to spend five to ten minutes giving an agent your information. Then it is typical for the agent to call you back with a quote. The call back time can vary from within the hour up to several hours. Your call should be returned on the same day unless you called late in the day. The return phone call will probably take an additional five to ten minutes depending on how many questions you have about the information given to you.

Get a quote online: 15 minutes is advertised as the time it takes to get an insurance quote online. Certainly, the time varies according to your computer skills and how many vehicles you need insurance on. Online quotes require a lot of detailed information in order to get an accurate quote.

02 How many car insurance quotes should you get?
Three to five insurance quotes should give you a good look at what is available. A quick tip on getting multiple quotes at one time is to utilize independent agents. Independent agents sell insurance through multiple insurance carriers. An independent insurance agent will be able to check with each of its insurance carriers and give you their best rate. Ask an independent agent which companies they quoted you through so you do not get duplicate quotes when calling around.

A couple different online insurance websites give you the opportunity to get quotes from multiple insurance carriers too. You only need to input your information a single time to get quotes from several carriers. Getting multiple quotes at once is a huge time saver regardless if it is from an agent or online.

03 How do you select the best automobile insurance quote?
Most people pick the best insurance quote based on price. A couple of other things to consider include how efficient the agent was at getting the quote to you and explaining all the information. If you are going the online route, how did you like inputting all of the information on your own? Do you feel comfortable with all the insurance terminology?

Just as important is whether or not the quote has the coverage you need and want. When you are getting quotes on car insurance, you should have each company run the quote a similarly as possible. It is the only way you will know which carrier has the best price for you.

04 How often should you get automobile insurance quotes?
Getting quotes often is advertised frequently. But, how often should you really be getting insurance quotes? It really depends on your relationship with your insurance agency. If you love your insurance agent and trust them whole heartedly, then maybe you should never shop for a new insurance carrier. There is something to be said for good service.

Sometimes enough is enough when it comes to price though. And, there is nothing to say you can’t find good service somewhere else. If your car insurance premium increases significantly renewal after renewal, it is probably time to start inquiring about new insurance quotes.

To put an actual number on it, you should check around every two to three years unless something is happening to make you unhappy with your current carrier. Getting quotes will give you the information you need to make sure you are still receiving a competitive rate. If the price difference with the new quote is only a little bit cheaper, you should probably stick with what you have.

Automobile insurance quotes are one thing you should be comfortable with as a car owner. Insurance rates are always changing. Checking around for automobile insurance quotes could potentially save you hundreds of dollars.
aving starts with a Progressive car insurance quote
Progressive insures over 18 million drivers, making us one of the largest and most trusted car insurance companies.** Why do customers trust us? It’s simple: our unmatched value. We offer plenty of coverages, 24/7 service, and discounts such as safe driver, sign online, multi car, and more.†† Get a car insurance quote today and we’ll automatically add your eligible discounts.

Here are a few of the many ways to save on auto insurance with Progressive.

Bundle auto and property
Save another 5% or more on your auto insurance when you combine with home, renters, or condo.†

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Snapshot: drive safe and save more
Snapshot® is a program that personalizes your rate based on how YOU drive. The safer you drive, the more you can save.

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Compare car insurance rates
Compare the exact same coverages at a handful of companies and instantly see the best price.

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Try Name Your Price
Try the Name Your Price® Tool and tell us what you want to pay. Then, we’ll show coverages in your budget.

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Auto insurance coverages we offer
Accidents, glass damage, lawsuits, hail, and more—we have affordable coverage options to protect against just about anything. Get a car insurance quote, and you can customize your coverages online. Savings with safe coverages.

Keep in mind, coverage offerings can vary by state.‡

Liability (bodily injury and property damage)
Covers damages you cause to others

If you’re at fault in an accident, liability covers damages you cause. That could mean damage to other vehicles, property (mailbox, street sign, house, etc.), or even other drivers’/passengers’ injuries. Plus, liability covers you if someone sues you over an accident.

Example: You rear-end another car, it’s damaged, the other driver is severely injured, and sues you. We’ll pay for the other driver’s car repairs, injuries, and your costs from the lawsuit (up to the amounts you select). There’s no deductible for liability.

Comprehensive and collision
Covers damage to your car

These are two separate coverages. Comprehensive covers incidents out of your control: theft, vandalism, hitting an animal, fire, acts of nature, and glass damage. Collision covers car accidents.

Example (Comprehensive): You park your car outside during a major hailstorm, and it’s totaled. If you have comprehensive, we’ll pay out for the full value of your car (minus your deductible amount). Example (Collision): You back out of your garage, hit your basketball hoop, and cause $2,000 worth of damage to your vehicle. If you have collision, we’ll then pay for your repairs (minus your deductible amount).

Uninsured/underinsured motorist
Covers your injuries and damages

These can be two separate coverages: One that covers your injuries (bodily injury) and another that covers your vehicle’s damages (property damage). Both kick in if a driver hits you and doesn’t have insurance or enough to pay for your losses.

Example: Another driver runs a red light and hits you. They’re at fault and don’t have insurance. If they can’t or refuse to pay for your damages, you can instead file a claim with us. We’ll then pay for your repairs.

Medical payments
Covers your injuries

Pays for medical costs if you, your passengers, or your family members are injured in an accident (no matter who is driving). Medical payments coverage can be beneficial even if you have health insurance, as there is no deductible you have to meet before we pay out.

Example: Your newly licensed 16-year-old neighbor is driving your child to school, and they’re in an accident. Your child is injured and has a $1,000 medical bill. Instead of filing a claim with your health insurer, you can file with us and we’ll simply pay the bill (up to your limit). No deductible applies.

Rental car reimbursement
Covers rental car fees

Pays for your rental car fees while your vehicle is being repaired from a covered loss (that just means damages we or another insurance company pays for and not general maintenance).

Example: Your car is severely damaged in an accident, and repairs will take a week, so you need a rental. If you have rental car reimbursement, we’ll pay for your rental car fees (up to your limits).

Loan/lease payoff
Helps pay off your loan when your car is totaled

Loan/lease payoff is also called gap insurance. If your car is totaled, we’ll help pay off the balance of your loan (up to 125% of your vehicle’s current value).

Example: You finance $30,000 for a new car. The second you drive your new car off the lot, it could only be worth $25,000. If your car is totaled, you’re still responsible for the $30,000 on the loan. If you have loan/lease payoff, we’ll pay $25,000 for your car, plus the $5,000 left on your loan.

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Auto insurance is a must before you get behind the wheel. We’ve made it easy to quote, buy, and save online:

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