Is it a bad idea to get multiple auto insurance quotes?

It's not bad to compare multiple auto insurance quotes. When you compare multiple car insurance quotes, you can save up to 51% on insurance coverage. Comparing various auto insurance quotes allows you to see competitive rates and coverage options. Before committing to a policy, shop around and compare various car insurance quotes to find the best 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 Cinncinati.com. ...

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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

UPDATED: Aug 26, 2021

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Can't-Miss Facts

  • Compare multiple auto insurance companies to see which one is best for you
  • Getting multiple auto insurance quotes ensures that you get the cheapest rate
  • Different auto insurance companies carry unique discounts

Are you having trouble choosing a car insurance company? The great thing about auto insurance shopping is that you can get a quote without buying coverage.

But is it bad to get multiple car insurance quotes? Don’t worry — we’re here to answer all your frequently asked questions about reviewing auto insurance rates, quotes, and companies.

After you learn more about getting multiple auto insurance quotes, enter your ZIP code in the free online quote tool above to compare the top companies in your area.

Is it bad to get multiple auto insurance quotes?

The answer is no. Comparing multiple auto insurance companies allows you to see which company is better for you.

When you get multiple car insurance quotes, you can determine which company has the cheapest car insurance for your personal circumstances.

Can I get multiple auto insurance quotes for free?

The answer is yes. Getting car insurance quotes is much faster and easier than it once was. Most auto insurance quotes are free. So, we recommend that you avoid brokers since they charge you for getting quotes.

How do I compare multiple auto insurance quotes?

As you shop for auto insurance, grab a quote from various companies online, but don’t commit to buying coverage. Wait until you find a car insurance company that has what you need for a price you can afford.

If you want to compare multiple car insurance quotes right now, use our free comparison tool to locate the best insurance quotes near you.

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Do I have to contact an agent to get an auto insurance quote?

The best car insurance companies allow you to get car insurance quotes online. However, smaller companies may have private quotes.

Private quotes usually come from an agent in person or by phone. There’s nothing wrong with going that route, but it’s much slower.

Why should I compare car insurance rates from multiple companies?

The key to locating cheap car insurance is comparing multiple companies. According to the National Association of Insurance Commissioners (NAIC), full coverage car insurance costs $90 a month on average.

If you want liability-only coverage, you can save up to 51% on auto insurance.

But your auto insurance rate will vary based on a variety of factors. Let’s compare the average monthly rates of the top auto insurance companies in the United States.

Average Monthly Full Coverage vs. Liability-Only Auto Insurance Rates
CompaniesMonthly Full Coverage Auto Insurance RatesMonthly Liability-Only Auto Insurance Rates
Allstate$318$162
American Family$224$114
Farmers$288$147
GEICO$179$91
Liberty Mutual$398$203
Nationwide$229$117
Progressive$283$144
State Farm$235$120
Travelers$287$147
USAA$161$82
Average$260$133

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If you don’t compare, you may miss out on bargains from companies you didn’t consider at first. Remember, your rates may vary based on your personal circumstances.

Several factors determine whether affordable auto insurance quotes are available to you.

Each driver has different needs for car insurance. Therefore, it’s essential to compare multiple auto insurance quotes to match your budget and desired coverage options.

The last thing you need is to purchase a car insurance policy that’s too expensive or to end up with a cheap auto insurance policy with insufficient coverage.

What factors impact auto insurance quotes?

Personal factors determine car insurance costs. Auto insurance companies use these factors to assess risk.

Here’s a list of factors that have a significant effect on your car insurance policy.

  • Age
  • Gender
  • Coverage level
  • Location
  • Vehicle make and model year
  • Driving record
  • Credit history
  • Marital status
  • Commute mileage

The most significant factors are driving record, age, and credit history. These factors determine your risk of filing a claim.

Location can also dramatically affect auto insurance rates. For example, State Farm auto insurance may be cheaper than Nationwide in Tennessee. However, Nationwide could be more affordable on average in South Carolina.

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Getting Multiple Auto Insurance Quotes: The Bottom Line

Not only is it a good idea to compare multiple car insurance quotes, but we also recommend that you do. Treat auto insurance like any other service that you buy and look around for the best deal.

Now that you know multiple auto insurance quotes are a good idea, use our free online quote tool to compare the best companies in your area.

Frequently Asked Questions: Getting Multiple Auto Insurance Quotes

Before you go, check out some answers to frequently asked questions to learn more about car insurance quotes.

#1 – How many auto insurance quotes should I get?

You should get as many car insurance quotes as you can handle. Ultimately, you want an auto insurance policy with decent rates and all the coverage options you need.

#2 – Does getting multiple auto insurance quotes affect credit score?

The short answer is no. Although car insurance companies use credit history as a factor, getting a quote does not affect your credit.

#3 – How often should I get multiple auto insurance quotes?

It’s not mandatory, but you can check car insurance quotes even if you have a policy already. Check at least every six months. You may be able to negotiate a lower rate.

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