Your time is important, and we’ll try to get you through the quote process as quickly as possible. In many cases we can fill your vehicle information in automatically based on public records, but to make things easier, it’s best if you have the following information nearby:
- Your current policy (if you have one) – this is helpful as a reference so you know what coverages you currently have
- Driving record information from the last five years (including accidents, violations and claims) for all drivers you’d like included on your policy
- Driver’s license number(s)
- Your car’s make, model and year, as well as its Vehicle Identification Number (VIN)
- The odometer reading for each car you’d like an insurance quote for
- The location where your vehicles are typically parked
When you request an auto insurance quote online, there are three major factors when your rate is calculated:
- Your Vehicle: The more expensive a car is to repair or replace, the more it costs to insure. Your vehicle’s safety features can help lower your auto insurance quote, as can how often you drive the car and what type of driving it’s used for (business or personal).
- Your Address: Where you live and park your vehicle will affect your auto insurance quote.
- Your Driving Record: Having fewer incidents such as accidents, moving violations or claims in your driving record will help lower your rate.
If you already have a car insurance policy and are comparing new car insurance quotes to determine what is best for you, make sure that you are comparing similar coverage, limits and deductible amounts. In most cases Liberty Mutual can provide multiple car insurance quotes, any of which can be customized to meet your car insurance needs.
Like death and taxes, car insurance is unavoidable if you want to keep your vehicle on the road and the right side of the law.
Fortunately, calling round dozens of insurers for a quote has been consigned to history — with GoCompare you only need to fill out a single form with your personal information, details of your car and any extra drivers you want to put on your policy.
How to get a car insurance quote
If you know your number plate it’ll save you time, but if not just choose your make and model and you’re on your way to quotes galore.
Next, you’ll need to let us know:
- Your car’s value
- How much no-claims bonus you’ve amassed
- Your annual mileage
- Usage — social, commuting or business
- Your occupation
Quotes that cater to you
Once you’ve got some quotes to look at, you can narrow things down a bit if you know exactly what you want:
- Choose your voluntary excess
- Opt to protect your no-claims bonus
- Decide whether to pay monthly or annually
Change any of these and you’ll get a fresh set of prices to fit your new answers.
Whether you need comprehensive insurance, third party fire and theft or third party only for just the one car or many, it’s easy to get the cover you need.
You don’t need to take our word for it either — when you get your quotes they come along with helpful information and star ratings from financial researcher Defaqto, so you’ll see exactly what you’re buying.
Need to know more about car insurance?
We’re committed to keeping you well-informed and on the road, so if you’re puzzled by any aspect of your policy, roll up the door to our Car insurance garage for guides, tips and help on all things motoring and car insurance.
Most of us need car insurance, yet few of us fully understand it.
Dozens of car insurance companies, including large players and regional insurers, are vying for your business. Many offer an eye-glazing assortment of policy options, making it hard to compare policies and figure out what’s the best and cheapest car insurance.
» SIGN UP: Find savings on your car expenses
Here are eight things you can do to ensure you get good coverage at the best possible rate.
1. Don’t assume any one company is the cheapest
Some companies spend a lot of money on commercials that try to convince you they offer the lowest car insurance rates. But prices that different people pay for the same coverage by the same company can vary widely. No single insurer can claim to be the low-price leader for everyone. The insurance company that’s cheapest for one person in one place might be the most expensive option for a driver in another state.
The only way to ensure you’re getting the best deal is to shop around.
The only way to ensure you’re getting the best deal is to shop around.
Our study also found that 38% of Americans who have car insurance haven’t compared insurance costs in at least three years, if ever.
2. Don’t ignore local and regional insurers
Just four companies control nearly half the nation’s auto insurance business: Allstate, Geico, Progressive and State Farm. But smaller, regional insurers such as Auto-Owners Insurance and Erie Insurance often have higher customer satisfaction ratings than the big names — and they may have lower rates, too.
3. Check for discounts
Insurers provide a variety of discounts, including price breaks for customers who:
- Bundle car insurance with other policies, such as homeowners insurance
- Insure multiple cars with one policy
- Have a clean driving record
- Pay their entire annual or six-month premium at once
- Agree to receive documents online
- Own a car with certain anti-theft or safety features
- Are members of particular professional organizations or affiliate groups
Don’t be swayed, however, by a long list of possible discounts. Compare your final prices from multiple insurers.
4. Pay your bills on time
Your credit score is a significant factor in the car insurance quotes you receive — except in California, Hawaii and Massachusetts, which don’t allow insurers to consider credit when setting rates. Insurance companies say customers’ credit has been shown to correlate with their chances of filing claims.
A NerdWallet analysis found that having poor credit can boost people’s car insurance rates by hundreds of dollars a year compared with having good credit.
Improve your credit — and get cheaper insurance — by paying your bills on time and reducing your debt. Track your progress by checking your credit score regularly.
5. Consider insurance costs when buying a car
You probably already pay attention to factors such as fuel efficiency and repair costs when picking a car to buy, but you should also consider insurance premiums. A NerdWallet analysis of the cheapest cars to insure among top-selling vehicles found the lowest rates are for the Honda CR-V, Subaru Outback and Jeep Cherokee.
How to get car insurance quotes simply and easily
If you don’t want to spend your entire day dealing with car insurance companies (um, who does?), make sure you have all the following information present for your quote.
- Your and any drivers on the policy driver’s license and personal information: This includes date of birth, address, occupation, and marital status.
- Your Car: The VIN of your or a potential vehicle—every vehicle, regardless if it’s from a private seller or still at a dealership has a VIN. It’s unique to every vehicle and tracks the individual history of the vehicle. If you can’t provide an exact VIN, make sure you can at least provide the year, make, and model. However, you’ll eventually need the VIN.
- Date of purchase
- Driving History: Your and any drivers recent driving history including accidents, citations, claims, or completed driving courses.
- Insurance Record: Some car insurance companies require you have six months to a year of continuous auto insurance prior to issuing you a policy. So, make sure you have an idea of your insurance background.
Don’t be fooled by “free” car insurance quotes
Lots of companies advertise their ability to give free auto insurance quotes. Any car insurance (or home and renters, for that matter) quote you receive is and should be free. Insurance companies want to incentivize you to get a car insurance quote with them, so they’re not going to charge you for that service. When shopping around for insurance, make sure you don’t fall for their advertisements of “free.”
What goes into your quote
After getting your car insurance quote, you might wonder what exactly they are factoring in. Within any type of insurance, the main goal of the company is to better predict where risk will occur so they can financially prepare themselves for it. In order to do this, car insurance companies look at your entire driving profile. There are many things that go into your rate that are dependent and independent of you and your driving history. But, the general factors we are going to focus on will be where you live, who you are, your insurance history, how you drive, and what you drive.