D. Gilson is a writer and author of essays, poetry, and scholarship that explore the relationship between popular culture, literature, sexuality, and memoir. His latest book is Jesus Freak, with Will Stockton, part of Bloomsbury’s 33 1/3 Series. His other books include I Will Say This Exactly One Time and Crush. His first chapbook, Catch & Release, won the 2012 Robin Becker Prize from Seve...

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Jeffrey Johnson is a legal writer with a focus on personal injury. He has worked on personal injury and sovereign immunity litigation in addition to experience in family, estate, and criminal law. He earned a J.D. from the University of Baltimore and has worked in legal offices and non-profits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman Univer...

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Reviewed by Jeffrey Johnson
Insurance Lawyer

UPDATED: Sep 29, 2021

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It’s all about you. We want to help you make the right coverage choices.

Advertiser Disclosure: We strive to help you make confident car insurance decisions. Comparison shopping should be easy. We are not affiliated with any one car insurance company and cannot guarantee quotes from any single provider.

Our insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.

Editorial Guidelines: We are a free online resource for anyone interested in learning more about car insurance. Our goal is to be an objective, third-party resource for everything car insurance related. We update our site regularly, and all content is reviewed by car insurance experts.

Just the Basics

  • Getting multiple quotes and comparison shopping leads to your cheapest rates
  • Even if you’re satisfied with your provider, comparing quotes periodically helps ensure you are still paying competitive rates
  • Secure online car insurance quote tools should always be free to use

Is it bad to get multiple car insurance quotes when shopping for coverage? In truth, experts recommend comparing quotes from more than one provider to secure your cheapest car insurance rates.

Keep reading to discover how to get more than one quote at a time, determine what to look for in a good policy, and find tips and tricks for earning your best prices.

After learning how to get multiple car insurance rates, simply enter your ZIP code into our free and reliable tool above to immediately compare quotes from the leading providers near you.

Should you get multiple car insurance quotes?

You should compare car insurance rates when shopping for new coverage. Comparison shopping online is one of the best ways to secure cheap car insurance.

We recommend you compare your current rates to quotes from other providers at least once per year to ensure you’re still paying competitive prices for your policy.

How much should your car insurance cost? On average, car insurance costs $1,009 annually.

Find your state in the table below to see what the average car insurance rates are where you live:

Average Annual Car Insurance Rates by State
StateAverage Annual Car Insurance Rates
Alabama$868.48
Alaska$1,027.75
Arizona$972.85
Arkansas$906.34
California$986.75
Colorado$981.64
Connecticut$1,151.07
Delaware$1,240.57
District of Columbia$1,330.73
Florida$1,257.13
Georgia$1,048.40
Hawaii$873.28
Idaho$679.89
Illinois$884.56
Indiana$755.03
Iowa$702.46
Kansas$862.93
Kentucky$938.51
Louisiana$1,405.36
Maine$703.82
Maryland$1,116.45
Massachusetts$1,129.29
Michigan$1,364.00
Minnesota$875.49
Mississippi$994.05
Missouri$872.43
Montana$863.52
Nebraska$831.02
Nevada$1,103.05
New Hampshire$818.75
New Jersey$1,382.79
New Mexico$937.59
New York$1,360.66
North Carolina$789.09
North Dakota$773.30
Ohio$788.56
Oklahoma$1,005.32
Oregon$904.83
Pennsylvania$970.51
Rhode Island$1,303.50
South Carolina$973.10
South Dakota$766.91
Tennessee$871.43
Texas$1,109.66
Utah$872.93
Vermont$764.02
Virginia$842.67
Washington$968.80
West Virginia$1,025.78
Wisconsin$737.18
Wyoming$847.44
Countrywide$1,009.38
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While shopping for coverage, remember to ask about car insurance discounts. Discounts typically stack together, leading to even cheaper rates.

Other ways to keep your insurance costs low include driving safely, increasing your deductibles, using a vehicle that is cheap to insure, and improving your credit score if it impacts your car insurance costs.

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What are car insurance quotes?

Car insurance quotes reflect the amount you’ll likely pay for a car insurance policy.

When you request a quote through an online rate tool, like on this page, the information you enter is used to estimate the premiums you’ll pay through various providers active in your region.

What goes into a car insurance quote? There are many different factors that affect the price of car insurance, like your vehicle make and model, coverage requirements, age, driving record, and ZIP code.

Car insurance prices are also subject to state law. For example, in some states, it’s illegal to use non-driving factors when calculating costs.

In other states, your credit history, marital status, and gender could impact your rates.

What information is typically needed to request a car insurance quote? Expect to share the following details on your application:

  • Name
  • Address
  • Occupation
  • Birthdate
  • Current insurance company
  • Driver’s license information
  • Annual and current mileage on your vehicle
  • Vehicle information, VIN, and ownership status
  • Driving history and traffic citation details for the past three to five years
  • Level of coverage you need

How much insurance do you need for your car? Purchase at least the minimum level of liability insurance required in your state.

However, if you can afford it, consider investing in full coverage insurance that includes collision and comprehensive coverage.

Different types of car insurance coverage also exist, including:

  • GAP insurance
  • Medical Payments Coverage (MedPay)
  • Personal Injury Protection (PIP)
  • Rental car coverage
  • Roadside assistance programs
  • Uninsured/underinsured motorist protection
  • Umbrella insurance

Some of the policies above may be required where you live, while others are considered additional policy add-ons.

Check your local laws for more details about what is needed where you live.

How do you get free car insurance quotes?

Securing free insurance quotes is easy, and you have a handful of options.

The quickest and easiest way to compare multiple car insurance quotes is by using an online quote comparison tool, like on this page.

All reputable online quote tools are always free, and they will never obligate you to make a purchase.

You have the option to compare the totals and pick whatever provider best fits your needs.

But are online quote tools accurate? As long as you provide factual information on your application, your premiums will be precise.

However, minor differences between your original and final quote sometimes occur.

You could also get multiple car insurance quotes from an independent broker or agent.

Independent brokers and agents work on commission and provide you with rates from different companies with a wide range of policy options.

However, according to the legal professionals at Nolo, brokers charge a broker’s fee and must inform you of any potential commission rates they earn.

Typically, it’s free to work with an independent agent, but they are not obligated to be transparent about a commission.

Finally, captive agents also help people find policies, but they only work for one specific provider.

So you won’t compare multiple quotes if you use a captive agent, but instead, you’ll compare different policies through a single insurer.

If you have DUIs, multiple accidents, or other high-risk traffic violations on your record, you can work with a specialty agent familiar with policies for high-risk drivers.

Multi-Car Policy Versus Multiple Car Insurance Quotes

Requesting multiple car insurance quotes is not the same thing as purchasing a multi-car policy.

What is a multi-car policy? Car insurance that covers more than one vehicle at the same address.

Most insurance providers allow for up to four separate vehicles per policy, but GEICO allows for up to nine.

Sometimes, insuring more than one vehicle under the same policy earns you a multi-car discount. How much is a multi-car discount? On average, it saves drivers between 8% and 25% on their annual policies.

You can usually add additional cars to your current policy by contacting an agent, through your insurer’s mobile app, online, or over the phone.

In some cases, the coverage on the vehicles does not need to be the same.

Usually, the liability limits and uninsured motorist coverage must be the same for all vehicles on a policy. But collision and comprehensive levels don’t have to match.

If you need a multi-car policy, you should still seek out multiple quotes from different providers to help you secure your cheapest possible rates.

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Is it bad to get multiple car insurance quotes? The Bottom Line

Experts agree it is almost always good to compare multiple car insurance quotes when looking for coverage.

The easiest way to ​​get multiple car insurance quotes to buy car insurance is through an online rate tool. But you can also work with an independent broker or agent.

Even if you’re not in the market for new coverage, comparing quotes at least once per year allows you to verify that your current rates are still competitive.

Why wait? You can get affordable multiple car insurance quotes for free right now by entering your ZIP code into our reputable rate tool below.