Are Car Insurance Quotes Free?

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Do I have to pay for quotes? Are car insurance quotes free? How can I get free car insurance quotes?

Are Car Insurance Quotes Free?
Are Auto Insurance Quotes Free?

What Is A Car Insurance Quote?

A quote is the estimated cost of a product or service. With car insurance, getting a quote is the first step in getting coverage. Because you can’t agree to buy something not knowing its price, insurance companies have to give you a quote.

However, quotes can change. Unlike a normal price, a quote isn’t necessary guarantee. With any good quote, they will check your driving and credit history. However, these are only some of the factors in a rate. Even an increase in car accidents in your area can raise your rate.

Why Are Car Insurance Quotes Free?

Since a quote is a tool for an insurance agency to get you as a client, they are free. How would you know if you could afford a rate without a number? To get you as a customer, they have to tell you the price. If they charged you money for a quote, you’d be less likely to buy their product. Car insurance quotes will probably always be free.

These quotes are how the companies compete for your business. However, since insurance is an application process, it takes time to get each quote. One way they can keep your rates high is by discouraging you from getting quotes from multiple companies.

And yes, they should include taxes.

How Many Free Car Insurance Quotes Should I Get?

Generally, you will want at least 10 car insurance quotes. This will help you avoid overpaying. Also, you’ll get a good idea of a fair rate. Since insurance is so personalized, it can be hard to know if it is a good rate. Seeing several quotes will help you know. Of course, the more quotes you get, the better. 15 or more quotes is generally a good idea when trying to find a good rate.

How Should I Get Car Insurance Quotes?

Comparison websites are a good place to start. However, I recommend double checking the rate from the company’s official website. Some carriers may have cheaper rates on their own site. The best way to get quotes is to go to the insurance company’s website. Agents may not have your best interests at heart.


So you now know that auto insurance quotes should be free. You know why they’re free and how to get some of the best quotes. This can end up saving you hundreds or thousands a year!

However, if you want the best rate on car insurance, try Root Insurance.

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