2024-01-01 · auto, personal, quotes, rates

Auto Insurance Quotes: How to Get the Lowest Rates

Overview

Getting the lowest auto insurance rate starts with gathering comparable quotes. Use identical coverage limits and deductibles so you can compare true pricing and value across carriers.

Steps to secure low quotes

1. Set your coverage needs based on assets, vehicle value, and lender rules.
2. Collect quotes from multiple insurers using the same inputs.
3. Ask about discounts for bundling, safe driving, or low mileage.
4. Review payment options such as pay-in-full or auto-pay savings.

Information you’ll need

• Driver license numbers and driving history.
• Vehicle VINs and annual mileage estimates.
• Current policy limits and deductibles.
• Homeownership or renter status for bundling.

Common mistakes to avoid

• Comparing quotes with mismatched deductibles or liability limits.
• Overlooking fees or policy term differences.
• Ignoring claims satisfaction scores when choosing the lowest rate.

Tips to keep rates low after purchase

• Update mileage if you drive less than expected.
• Enroll in telematics if you’re a consistently safe driver.
• Re-shop annually to capture market changes.

Frequently asked questions

How many quotes should I get? Aim for at least 3–5 carriers to find competitive pricing.

Do online quotes match final pricing? Usually, but underwriting can adjust rates after verifying records.