Frequently Asked Questions about Auto Insurance Company Comparisons

You can find the answers to the most commonly asked questions about auto insurance companies below. Learn the best comparison methods and what kinds of carriers participate in our network.

What is the best way to compare auto insurance companies?

The best auto insurance company comparisons take a big-picture view of different carriers, assessing them on financial health, customer service, and price. Concentrating too heavily on price might lead you to choose poor-quality insurers, so make sure you take other criteria into consideration as well. On our website, you can compare multiple car insurance companies at once, as we will display at least four different offers simultaneously. This way, you can be sure that you are comparing apples to apples.

Which car insurance companies do you work with?

We are not an auto insurance company ourselves, which is why we have established a network of carriers to which we refer our visitors. Our affiliates include most of the major car insurance companies in the United States, including Allstate, State Farm, American Family, and Farmer's. The auto insurance company comparisons we provide you with when you sign up for quotes will depend on your location and coverage needs. In other words, the carriers that will provide your free auto insurance quotes will vary from individual to individual.

What is a full coverage auto insurance policy?

The term "full coverage" is typically used to mean a policy that includes both liability and physical damage coverage. Physical damage coverage usually includes comprehensive and collision coverage. These coverages will pay for the repair or replacement of your vehicle in the event of covered losses, such as theft, collisions with other vehicles or objects, etc. As you complete your auto insurance company comparisons, you will see that the cost of a full coverage policy is usually significantly more expensive than a liability-only policy.

Where can I find information on my state's mandatory auto insurance laws?

By default, the quotes you receive on auto insurance coverage should at least provide the minimum amount of liability protection required by your state. For more information on your state's car insurance laws, contact your department of insurance or the motor vehicles department. Your state's department of insurance will have information on minimum liability requirements as well as comparisons of auto insurance companies with regard to complaints received.

Can I still get car insurance coverage if I have poor credit?

Most car insurers will check an applicant's credit before deciding whether to offer coverage. In some cases, bad credit may disqualify you from coverage with certain insurers. In other cases, the insurer may still issue you coverage but will charge much higher premiums. A thorough auto insurance company comparison will help you determine which insurers consider credit history in issuing coverage.