Two car insurance quotes are only comparable if they cover the same things. This guide shows how to line quotes up apples to apples and what to look at besides the price.
At a glance
| Coverage | What it pays for | Quote tip |
|---|---|---|
| Liability (bodily injury and property damage) | Damage and injuries you cause to others | Use the same limits on every quote; state minimums may be low |
| Collision | Damage to your car from a crash | Compare with the same deductible |
| Comprehensive | Theft, weather, fire, animal strikes and similar | Compare with the same deductible |
| Uninsured / underinsured motorist | Your costs when the other driver lacks enough coverage | Check whether it is required in your state |
| Medical payments / PIP | Medical costs for you and passengers | Rules vary by state |
| Extras (roadside, rental reimbursement) | Towing and a rental car while yours is repaired | Only add what you would use |
How to compare quotes
- Decide your coverage limits and deductibles first, then request every quote with those same numbers.
- Get quotes from several types of providers: insurers that sell directly, local agents and independent agents who quote multiple companies.
- Ask each provider which discounts apply to you (bundling, safe driving, good student, low mileage and similar).
- Compare the six-month or annual premium, not just the monthly payment, and ask about payment fees.
Look beyond the price
- How claims are filed and handled.
- Your state insurance department's complaint information for the company.
- Whether the policy includes the extras you would otherwise pay for separately.
When to shop again
- At each renewal, or when your premium jumps.
- After moving, buying a car, adding a driver or a change in your driving record.
Keep learning
- Types of Car Insurance Coverage Explained
- What Affects the Cost of Car Insurance
- Car Insurance for Young Drivers
- Insurance Coverage Checkup Worksheet
- All Learn & Compare guides
Educational information only, not financial, credit, legal or insurance advice. SmartMoney Financial does not list, rank or recommend specific card issuers, lenders or insurers on this page. Terms, rates and fees change; always read the provider's current terms and disclosures before you apply.