Multiple carriers

Compare auto insurance rates in one place

One form, several carriers. You see what each one actually charges instead of one company's price dressed up as a comparison.

What we compare

The coverage your state requires. It pays others, not you.

Your own vehicle, whether you hit something or something hits you.

Protection when the at-fault driver has no coverage, which is more common than people expect.

Injury costs regardless of who caused the accident, required in some states.

These factors move the price more than shopping around does.

Factor	Effect on premium
Driving record	Largest single factor. One at-fault accident can raise a rate for three to five years.
Vehicle	Repair cost, theft rate and safety ratings all feed into the rate
Location	Urban and high-theft areas cost more, sometimes substantially
Credit-based score	Used in most states and often as predictive as the driving record
Coverage limits	Raising liability limits costs less than most people assume

Why is my rate higher than my neighbor's?

Driving record, vehicle, credit-based score and exact coverage all differ. Same neighborhood does not mean same rate.

How much liability coverage do I need?

State minimums are a floor, not a recommendation. Most people are better served with higher limits.

Will shopping around hurt my credit?

No. Rate shopping is not a credit application, and it does not affect your score.

Report the claim to the carrier as soon as practical, from the scene if possible.
Document the scene: photos, other driver details and any police report number.
The carrier assigns an adjuster and arranges an inspection of the vehicle.
Repairs proceed once the estimate is approved. You keep the right to question it.

Give us the basics and we will show you what several carriers charge.