www.everquote.com Open in urlscan Pro
2606:4700::6810:ec78  Public Scan

Form analysis
0 forms found in the DOM

Text Content

menu

 * downAuto
 * downHome
 * downRenters
 * downLife

 * For Agents
 * Help


Shop now




THE FAST, FREE, AND EASY WAY TO SHOP FOR INSURANCE

Select a policy type to get quotes

AutoHomeRentersLife



HOW IT WORKS


CONSTRUCT YOUR PROFILE

Build your profile by telling us a little about yourself and your car.


COMPARE INSURANCE PROVIDERS

While not all insurers show prices, we filter down to the most relevant options
based on your profile.


CONNECT WITH LICENSED AGENTS

Either connect online or over the phone to compare quotes and maximize your
savings.


AGENT SPOTLIGHT: SANDRA COOK, ALLSTATE

EverQuote just has a great data lead. When we call people, they remember that
they filled out the information and asked for a quote ... And I love the fact
that we can get a good, consistent volume of leads.

Read More...


POPULAR BLOG POSTS

 * 3 Kinds of Insurance You Don't Know You'll Need
 * Insurance for Wildfires
 * How Long Does a Speeding Ticket Stay on Your Record?
 * 6 Words to Say to Get Cheaper Insurance


RECENT BLOG POSTS

 * Cheap Car Insurance 2024
 * How Does Car Insurance Work?
 * The Cheapest Used Cars to Insure 2019
 * What Insurance Do I Need For a Cafe?
 * How to Save with Car Insurance for One Car


COMPARING AUTO INSURANCE QUOTES IS EASY

One of the best ways to save money on car insurance is to compare quotes. Prices
can vary by hundreds of dollars among companies, so time spent getting prices
can really pay off.

It's easy to get quotes. EverQuote can match you to insurers that best fit you.
And auto insurance quotes are free -- no matter who you get them from.


TYPES OF CAR INSURANCE

It's good to have an idea of what kinds of auto insurance you want when you're
ready to compare car insurance quotes. Here are the main coverage types.

Liability insurance. This is required in most states and is the foundation of
auto insurance policies. Liability coverage pays others for accidents you cause,
including injuries and property damage. Note that liability insurance does not
cover any damage to your own car.

Collision insurance. This pays for damage to your car if you hit something, such
as a pole or tree.

Comprehensive insurance. This pays out if your car is stolen. It also covers
damage to you car if you hit an animal or if you have damage from flood, fire,
hail, vandalism or falling objects (such as a tree branch).

Uninsured motorist (UM) insurance. If you're injured by a driver who has no
liability insurance, this coverage pays medical bills. In some states you can
also buy a version that covers car damage from an uninsured motorist.

Personal injury protection (PIP) and medical payments (MedPay) coverage. These
pay for injuries of you and your passengers, no matter who was at fault. Some
states require PIP, where it is sometimes called "no-fault insurance."

Rental reimbursement insurance. If your car is in the shop due to an accident
covered by your policy, this helps pay for a rental car. It typically has a
daily and total maximum that it will pay.


HOW MUCH AUTO INSURANCE DO YOU WANT?

Before you set out to compare car insurance, have an idea of what levels of
coverage you want. The minimum you must buy will be decided by your state. State
requirements can include liability insurance, uninsured motorist coverage, and
personal injury protection (called PIP or no-fault). You may want higher
coverage levels for each than what's required.

Here are examples of levels of coverage for liability and uninsured/underinsured
motorist coverage. Your own car insurance needs often depend on how many assets
you would have at risk in a lawsuit against you after a car crash. It also
depends on whether you want insurance that will pay out for damage such as hail,
hitting a fence or having your car stolen.

Highest Level

 * $250,000 per person/ $500,000 per accident bodily injury liability
 * $100,000 property damage liability
 * $250,000 per person/ $500,000 per accident uninsured/underinsured motorist

Typical Level

 * $100,000 per person/ $300,000 per accident bodily injury liability
 * $50,000 property damage liability
 * $100,000 per person/ $300,000 per accident uninsured/underinsured motorist

Lower Level

 * $50,000 per person/ $100,000 per accident bodily injury liability
 * $25,000 property damage liability
 * $50,000 per person/ $100,000 per accident uninsured/underinsured motorist

Minimum level (state requirements might be higher)

 * $15,000 per person / $30,000 per accident bodily injury liability
 * $5,000 property damage liability
 * $15,000 per person/ $30,000 per accident uninsured/underinsured motorist


WHAT'S FULL COVERAGE CAR INSURANCE?

You may have heard the term "full coverage car insurance." It generally refers
to a policy that has liability, collision and comprehensive coverage. That gives
you insurance for damage and injuries you cause others (liability), and damage
to your own car and theft (collision and comprehensive).


HOW MUCH WILL AUTO INSURANCE COST?

The average premium paid for full coverage is about $138 a month, based on
premiums reported by EverQuote users. That's based on good drivers with the
"typical" level of coverage shown above.

Of course you can spend less by buying less coverage, but you might regret it
later if you're in an accident.


HOW CAR INSURANCE QUOTES ARE CALCULATED

Rates can vary quite a bit when you compare car insurance because insurance
companies all have their own way of calculating prices. Still, here are factors
generally used in auto insurance quotes:

The drivers. Age and driving experience affect quotes. So do moving violations
such as speeding tickets. This includes all the licensed drivers in your
household.

Past claims and accidents. Having caused accidents and made claims will usually
mean higher rates.

How the vehicle is used and where it's parked. Do you use the vehicle for
personal or business reasons? Where is it parked at night? These typically
affect car insurance quotes.

Credit. Poor credit can mean higher auto insurance rates. The insurance industry
correlates poor credit to a higher chance that a driver will make a claim. This
practice is banned in California, Hawaii and Massachusetts.

The vehicle. Insurers often use data on past claims on a vehicle like yours to
calculate car insurance quotes. If other drivers of your model have made a lot
of claims, or the vehicle is expensive to repair, that can be reflected in a car
insurance quote.


THE CHEAPEST CARS TO INSURE

RankModelAverage Annual Premium1HONDA FIT DX$1,5212HONDA FIT$1,5733SUBARU
IMPREZA PREMIUM$1,6744TOYOTA PRIUS$1,6795FIAT 500 POP$1,6866CHEVROLET
EQUINOX$1,6977FORD C-MAX SEL$1,6998TOYOTA PRIUS V$1,7139FORD ESCAPE$1,714
10CHEVROLET SPARK 1LT$1,72211MAZDA 3 I$1,72912HONDA FIT EX$1,72913TOYOTA PRIUS
C$1,73314VOLKSWAGEN BEETLE$1,73515HYUNDAI AZERA$1,75016HONDA FIT
LX$1,75417SUBARU IMPREZA BASE$1,75718MINI COOPER S$1,76019SUBARU LEGACY
2.5I$1,76920CHEVROLET SPARK 2LT$1,776Source: EverQuote, based on premiums
reported by EverQuote users. See more of the cheapest cars to insure.


SWITCHING CAR INSURANCE COMPANIES

A car insurance policy generally lasts for six or 12 months. Common reasons for
switching companies include:

 * Shopping for a cheaper rate.
 * Moving.
 * Buying a new car.
 * Getting married or divorced.
 * Adding a teen driver.

Try not to wait until the last minute to get quotes. Give yourself a week or two
to look at your options. Plus, some companies have discounts for getting an
advance quote.

You also want good customer service in case you have claim or question. You can
find customer ratings in our best car insurance companies rankings.


HOW TO GET CHEAPER CAR INSURANCE QUOTES

No matter where you live or what your driving record looks like, there are ways
to get cheap car insurance.

Bundle auto and home insurance. That means buying your insurance policies from
the same company. The "bundling" discount is usually one of the better car
insurance discounts. You can often bundle renters, condo, boat, RV and other
policies with auto insurance.

Ask for a review of discounts. Ask your insurance agent to review possible
discounts to make sure you're getting all the savings you can.

Do everything electronically. Many insurers offer small discounts for paying by
EFT (electronic funds transfer) and receiving bills and policies electronically.

Increase the deductible on collision and comprehensive coverage. A deductible is
the amount taken out of an insurance check if you make a claim. By raising your
deductible you can save money -- as long as you don't mind getting a smaller
check if you have a claim. (There's no deductible on liability insurance claims
against you.)

Compare auto insurance quotes from multiple companies. Taking the time to make a
car insurance comparison can give you the biggest bang for your buck. Because
quotes can vary so much by company, there can be substantial potential savings
by comparison shopping.


FIND CHEAP CAR INSURANCE IN YOUR STATE:

AlabamaAlaskaArizonaArkansasCaliforniaColoradoConnecticutDelawareFloridaGeorgiaHawaiiIdahoIllinoisIndianaIowaKansasKentuckyLouisianaMaineMarylandMassachusettsMichiganMinnesotaMississippiMissouriMontanaNebraskaNevadaNew
HampshireNew JerseyNew MexicoNew YorkNorth CarolinaNorth
DakotaOhioOklahomaOregonPennsylvaniaRhode IslandSouth CarolinaSouth
DakotaTennesseeTexasUtahVermontVirginiaWashingtonWest VirginiaWisconsinWyomingGo
   Company
 * Home
 * About us
 * Help
 * Contact
 * Careers

   Pro
 * For Agents
 * FAQ For Agents
 * Insurance Sales Tips
 * Insurance Agent Tips

   Legal
 * Terms of use
 * About our ads
 * Privacy Policy
 * Do Not Sell My Info
 * Data Privacy and Do Not Call Requests

   More
 * Investors
 * Press Room

EverQuote is a leading online insurance marketplace in the U.S. We're on a
mission to help consumers better protect life's most important assets: their
families, property and future. For quality control purposes, your activity on
this website may be monitored or recorded by EverQuote or its service providers.

Copyright © 2024 EverQuote, Inc.

Copyright © 2024 EverQuote, Inc.