Remember, your quote is just that—a quote. It’s an estimate subject to change based on complete and accurate information.
Required Information for an Insurance Quote
Generally, when calculating your car insurance quote, agents or online quoting applications will ask you questions about the following categories:
Do you own your car outright?
What is your car’s make and model?
How often do you drive your car?
Do you use your car for business?
How many cars will you insure?
Does your car have a salvage title?
How many traffic violations have you had?
How many points are on your driving record?
How many at-fault accidents have you had?
How old are you?
What’s your birth date?
What’s your gender?
What’s your Social Security number?
Do you own a home?
Are you married?
What’s your occupation?
How many drivers are in your household?
Will you exclude any drivers from your policy?
Auto insurance history:
Do you currently have car insurance?
Who is your current auto insurance provider?
When is your policy set to expire?
Remember, these are just some of the questions you can expect. Each insurance company has its own system for determining rates and therefore has its own criteria for required information.
See “Comparing Quotes” below for even more information that can help determine your car insurance quote and premium.
Comparing car insurance quotes is crucial. When shopping around for car insurance, never stick with one company; always get quotes from several companies.
No two auto insurance companies are the same, and you could miss out on some serious discounts if you only apply for a quote with one. Try comparing at least 3 car insurance quotes—more if you have time.
Remember, once you settle on a company, it’s smart to continue checking quotes periodically. Always consider life-changing events that warrant comparing new car insurance quotes.
Some situations that might merit shopping around include:
Typically, mature drivers (usually 25 and older) get lower quotes than younger drivers.
Buying a new car (or a “new-to-you” car).
Rates can change substantially if you’re moving from an urban area to a rural area, or vice-versa.
Getting married or having children.
Adding a teen driver to your policy.
Buying a new home.
Some car insurance companies offer discounts for “bundling” different types of coverage together.
Improved credit score.
Because some companies use credit scores to determine insurance premiums, a major boost in your score could get you a lower quote.
Filing insurance claims.
Sometimes, filing a claim increases your premium, which means you could shop around for a lower quote; likewise, going a long period of time without filing a claim could make you eligible for good driver rewards programs.
Getting a traffic citation or being involved in an at-fault accident.
Both situations can increase your premium and prompt you to shop around for a lower quote; similarly—as mentioned above—going a while without either of these incidents could make you eligible for discounts.
Each of these situations could increase or decrease your premiums, but don’t expect your car insurance company to automatically know about them—especially the ones that could get you a discount!
Comparing quotes after one of these life-changing events could get you a lower premium.
When Quotes Don’t Match Premiums
Be honest when applying for a car insurance quote; more often than not, insurance agents do their research and learn about determining factors such as your credit score and traffic violations. If you’re not honest, you could end up getting a much lower quote than what your final insurance rate reflects.
Not sure about your driving history? Consider ordering a motor vehicle report to make sure you’re up to speed on traffic citations, at-fault accidents, and your current driver license status.
Ask About Discounts
Always ask about any car insurance discounts that might apply to you.
As mentioned above, no two insurance companies are the same, and some will offer discounts for factors like age, location, and a great credit score, where others will not. This is just another reason why it’s important to shop around with several car insurance companies rather than settling for the first one you come across.
Saving 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.†
More on bundling insurance
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.
More on Snapshot
Compare car insurance rates
Compare the exact same coverages at a handful of companies and instantly see the best price.
More on comparing rates
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.
More on Name Your Price Tool
See all car insurance discounts
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).
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.
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).
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.
Get a car insurance quote in about six minutes
Auto insurance is a must before you get behind the wheel. We’ve made it easy to quote, buy, and save online:
Get a quick, accurate, and personalized quote
Earn discounts for quoting online and setting up automatic payments
Immediately print cards or download proof of insurance to your mobile device