Is it bad to get an auto insurance quote online?

It is not bad to get auto insurance rates online; in fact, shopping online is one of the best ways to find auto insurance. When you compare quotes online, you can take your time when weighing the benefits between different policies. You can also use free quotes to see how changes in your life, like moving to a new ZIP code or buying a new car, can change your insurance rates.

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Chris Tepedino is a feature writer that has written extensively about auto insurance for numerous websites. He has a college degree in communication from the University of Tennessee and has experience reporting, researching investigative pieces, and crafting detailed, data-driven features. His works have been featured on CB Blog Nation, Flow Words, Healing Law, WIBW Kansas, and ...

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Written by Chris Tepedino
Insurance Feature Writer Chris Tepedino

Rachael Brennan has been working in the insurance industry since 2006 when she began working as a licensed insurance representative for 21st Century Insurance, during which time she earned her Property and Casualty license in all 50 states. After several years she expanded her insurance expertise, earning her license in Health and AD&D insurance as well. She has worked for small health in...

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Reviewed by Rachael Brennan
Licensed Insurance Agent Rachael Brennan

UPDATED: Aug 25, 2021

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Can't-Miss Facts

  • Shopping for auto insurance online is a great way to compare free quotes
  • Drivers can peruse the entire insurance market to find the best insurance company for them
  • Shopping online lets you take your time to compare quotes and find the best company for you

If you want to find affordable auto insurance, is it bad to get an auto insurance quote online? If you want to get auto insurance quotes, is it bad to get an auto insurance quote online? Absolutely not.

Shopping online is actually one of the best strategies you can use to find the cheapest auto insurance and the best auto insurance rates. Getting quotes online allows you to run an auto insurance quotes comparison at your own pace.

Is  it bad to get an auto insurance quote online? Not at all. In fact, enter your ZIP code into our free quote tool to find cheap auto insurance quotes near you.

How can a driver get an auto insurance quote online?

To find good auto insurance rates, is it bad to get an auto insurance quote online? No, it isn’t, and getting a quote online is actually quite easy. With free tools like insurance calculators and quotes comparison, you’ll be well on your way to find the perfect insurance policy for you.

You can also visit the websites of specific insurance companies you are interested in. While this will let you search all throughout the insurance marketplace, it will take quite some time to visit each and every site.

If you would like to buy auto insurance, is it bad to get an insurance quote online? Clearly, no, but a quote comparison tool may be the best tool for you if you would like to compare quotes quickly.

How does a quote comparison tool work

Is it bad to get an auto insurance quote online, an auto insurance company online, or insurance rates online? No, and quote comparison tools are quite innovative tools that can help you do just that.

Simply enter your information and you can receive free quotes from multiple companies near you. This can save you quite a lot of time and get you the information you need to make the best decision for your insurance needs.

Enter your ZIP code below to compare auto insurance rates.

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How are insurance rates calculated?

Auto insurance companies use a wide range of information to calculate your insurance rates. When requesting quotes online you will need to provide some basic information about yourself like your age, what type of coverage options you want, and the make and model of your vehicle.

One of the best tips to keep in mind when filling out information for an online quote is to always fill out the form truthfully. Auto insurance quotes last for about 30 days; this gives you plenty of time to compare quotes from other companies.

What increases a driver’s auto insurance rates?

There are many factors that can raise your insurance rates that you may not have thought of before. Take a look at this list below of some of the factors that can have an effect on your rates so you can be prepared when you start shopping for an insurance policy:

  • Annual mileage
  • Claims history
  • Credit score
  • Gender
  • Education level
  • Occupation
  • Your address
  • Driving history

When should drivers review their policy?

Drivers can review their policies at any point, but it’s recommended that you review your policy anytime you experience a major change in your life. If you don’t update your policy, you could be missing out on some potential savings or, even worse, be driving around without adequate coverage.

Below is a great guide of circumstances that should alert you to review your policy:

  • Your marital status changes
  • You move to a different ZIP code
  • You move into a new household and become a driver on an existing policy
  • You move in with family members and can combine policies
  • You improved your credit score
  • You cut down your commute time
  • You’ve had no at-fault accidents or violations for three years

Of course, even if you haven’t changed anything in your life, there are plenty of ways to keep your insurance rates low.

How can drivers save money on their auto insurance?

If you want to decrease your auto insurance rates, you can actually take matters into your own hands. Start by improving your driving habits. If you can avoiding getting any speeding tickets and at-fault accidents, you’ll see this reflected in your insurance rates.

You can also take part in a defensive driving class. As long as you can provide proof of completion, most insurance companies will be able to give you a discount for taking this type of class.

Some insurance companies also have usage-based insurance programs that reward you for your safe driving habits. If you aren’t interested in taking part in such a program, don’t worry. There are plenty of other types of discounts that can benefit you.

Review these discounts offered by major companies below to see how you can save money:

Auto Insurance Discounts Available by Company and Discount Amount
Discounts21st Century Discount AmountAAA Discount AmountAllstate Discount AmountAmerican Family Discount AmountAmeriprise Discount AmountAmica Discount AmountCountry Financial Discount AmountEsurance Discount AmountFarmers Discount AmountGeico Discount AmountLiberty Mutual Discount AmountMetLife Discount AmountNationwide Discount AmountProgressive Discount AmountSafe Auto Discount AmountSafeco Discount AmountState Farm Discount AmountThe General Discount AmountThe Hanover Discount AmountThe Hartford Discount AmountTravelers Discount AmountUSAA Discount Amount
Adaptive Cruise Control and/or Headlights----------5%--------3%--
Anti-lock Brakes--10%-3%5%-5%-5%5%5%5%-5%-5%8%5%3%--
Anti-Theft--10%-3%25%10%25%-25%20% off of comprehensive portion of policy.10% -- this discount factors in features such as VIN etching and vehicle recovery;
one anti-theft discount applies.
25%; combined with vehicle recovery discount.---15% discount off of comprehensive coverage; higher discount with "engine cut-off."8%; one total anti-theft discount applies; if vehicle recovery, a higher discount applies.5%3%--
Claim Free--35%----25%-26% for going five years without an accident.Awarded "accident free" on account for lower rating.20% if claim/violation free:
"Superior Driver"
3+ yrs=12%
5+ yrs 20%
save $50 each claim-free year up to $250 (off deductible).
10%-10% if you go six months without filing a claim;
one safe driver/claim free discount applies.
20% "Safeco Safety Rewards" if you have no at-fault accidents in the last 36 months,
no more than 1 point on your license, and
no DUI in the last ten years; one safe driver/claim free discount applies.
15%; must have State Farm for at least three consecutive years without an accident.-15%-23%; must be accident and violation free to get the "Safe Driver" discount listed below;
must be accident and violation free to qualify:
23% - 5 years
10% - 3 years;
one safe driver/claim free discount applies.
12%; "Premier Driver Discount"
4%-12%, depending on driving record;
12% is for being accident and violation free for five years; one safe driver/claim free discount applies.
Not available in HI.
Continuous Coverage-----3%-------No gaps or cancellations;
discount depends on how long you have been consistently insured.
10% for going six or more months with no more than a 30-day coverage gap.7% if you have been with Safeco or previous provider for one year or longer; five or more years gets you the highest discount.--10%; discount applies at each renewal.-15%-
Daytime Running Lights--2%------1%5%5%5%-5%---5%3%--
Defensive Driver5%-10%10%-5%5%10%--10%7%5%10%10%5%5%8%5%10%10%3%
Distant Student--35%---------10%--15%--5%3%7%-
Driver's Ed--10%--5%10%---10%10%-10%10%5%15%8%5%3%8%3%
Driving Device/App--20%40%---25%--30%15%40%20%-30%50%--10%30%5%
Early Signing--10%---10%10%---15%8%--8%----10%12%
Electronic Stability Control--2%--5%----5%-----------
Emergency Deployment---------25%------------
Engaged Couple------10%---------------
Family Legacy-----5%---------------10%
Family Plan------25%-----25%------5%--
Farm Vehicle--10%-------------------
Fast 5-------5%--------------
Federal Employee---------8%10%-----------
Forward Collision Warning-----8%----5%--------3%--
Full Payment--10%--4%-10%--$5---5%15%-8%15%20%7.5%-
Further Education-------15%--10%-15%---------
Good Credit------------"Financial Stability"
gets you a lower rate. You must also have stable residence.
Good Student--20%--10%25%10%-15%22.5%15%10%-10%15%25%8%5%3%8%3%
Green Vehicle--10%-----5%-10%--------3%10%-
Lane Departure Warning-------------Safety features get automatic discounts applied when VIN entered in system. --------
Low Mileage-----10%-15%-------20%30%-----
Military Garaging---------------------15%
Multiple Drivers-------------------5%--
Multiple Policies--10%--15%25%--10%20%10%10%12%-15%17%15%10%20%13%-
Multiple Vehicles-----15%15%--25%10%-20%10%15%15%20%15%5%5%8%-
New Address----------5%-----------
New Customer/New Plan-----------10%--10%-------
New Graduate----------5%-----------
Newer Vehicle--30%---10%---------40%--3%10%12%
Newly Licensed----------5%-----------
Occasional Operator---------------------Discount based on operator's individual driving record.
On Time Payments--5%-----------------15%-
Online Shopper-------11%-----7%--------
Paperless Documents- -10%--2%------5%$50-`-------
Paperless/Auto Billing-5%--2%-----25%$30-$410%$28%2%$53%3%
Passive Restraint--30%30%3%30%-33%-40%-5%20%-5%2%40%8%5%3%--
Recent Retiree----------4%--------3%--
Roadside Assistance-------5%--------------
Safe Driver--45%--15%-40%15%-12%35%31%10%20%15%---23%12%
Seat Belt Use---------15%------------
Senior Driver--10%--------10%-----5%5%---
Stable Residence-------------------5%--
Students and Alumni-------15%--10%-7%---------
Switching Provider-------5%--10%10%--10%--5%5%---
Utility Vehicle--15%-------------------
Vehicle Recovery--10%-5%10%-25%-25%35%10%25%---5%8%-3%--
VIN Etching----------5%10%----------
Young Driver------10%--------------$75

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Getting An Auto Insurance Quote Online: The Bottom Line

Shopping for insurance online is one of the greatest strategies you can use to streamline your search for the best auto insurance. Getting quotes online allows you to compare insurance quotes at your own pace and make sure that you are getting the best deals.

Now that you know more about if it is bad to get an auto insurance quote online, enter your ZIP code today to free insurance quotes.

Free Auto Insurance Comparison

Enter your ZIP code below to compare auto insurance rates.

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