Car Insurance Quotes for Cars, Trucks and SUVs
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Getting a Car Insurance Quote Online
Reviewed by Dale Williams – COO, EINSURANCE
What to Have Ready Before You Start
We provide car insurance quotes online from top insurers to save you time and money.
Getting an accurate quote requires accurate information. Here’s what we’ll ask for along the way:
- Your name, date of birth, gender, and marital status
- Whether you or a family member have served in the military
- Whether you have multiple drivers or vehicles to insure
- Your vehicle’s year, make, and model
- Your address, phone number, and email
- Your approximate credit score range (not an exact number)
- Whether you own or rent your home
- Any accidents or violations on your record
- Whether you’re currently insured, and if so, your current carrier
We don’t need your VIN and driver’s license number. We used to ask for it, but found that removing it helped people get quotes more quickly and easily. And remember, the credit score is approximate. If you’re unsure where you fall, a rough estimate is enough to get started.
If you drive a truck or SUV, the process is the same. There’s no separate form.
From Zip Code to Real Quote in Under 5 Minutes
That’s not a marketing estimate. Our team timed it: from entering a zip code to viewing actual quotes from real carriers, the process takes under five minutes. Once your information is ready, there’s no reason it should take longer.
And don’t worry, you’re not locked into any of the rates/quotes you get during the process. Review the quotes, compare carriers, and take as much time as you need before making a decision. The goal is to get you matched with the best, most affordable policy that works for your specific situation.
Your Information Is Secure
The most common concern we hear from people about getting an insurance quote online is what happens to their personal information. Specifically, whether they’ll be flooded with calls or emails afterward. We totally get it, and respect their skepticism — it’s warranted in today’s world.
Needless to say, we take privacy and security very seriously. To provide you with real quotes to compare, we securely share the information you provide via our form with our carrier partners. Each piece of information we request is necessary to get you an accurate match. An insurance company can’t assess your risk profile or offer competitive rates without knowing those basic details about you, your vehicle, and your driving history. This process allows us to find carriers that are genuinely competitive for your situation rather than a generic list.
While we must share your information with the carriers to provide the best possible service to you, we will not spam you with offers unrelated to the insurance services you requested.
How EINSURANCE Matches You With Carriers
When you submit your information, it goes to insurance companies who use it to assess your risk profile. Carriers that can offer competitive pricing and appropriate coverage for your specific situation are then curated and displayed so you can compare their quotes. Not every carrier will quote every driver; what you see has already been filtered to what’s available and relevant for you.
We recommend selecting and reviewing multiple carriers before making a decision. Getting a quote from a single carrier (even your current one) leaves you without a benchmark for whether that rate and coverage are actually competitive.
Ready to get real quotes from multiple insurance providers?
Get StartedWhat Affects Your Car Insurance Rates
Insurance companies price risk, and your personal profile determines where you land. Here are the main factors that they’re evaluating:
- Location. Your state and zip code are among the first factors carriers consider. State laws set minimum coverage requirements, which vary widely. Beyond that, your specific zip code matters too. Local factors like traffic density, crime rates, and weather exposure all influence pricing. Moving a few miles can change your rate.
- Driving record. Accidents, tickets, and prior claims signal risk. A clean record is one of the most reliable ways to keep your premium down. Multiple at-fault accidents or a DUI can lead some carriers to decline to quote you at all.
- Vehicle. Carriers look at your car, truck, or SUV’s make, model, year, and safety record. Rate variation between vehicles is driven more by statistical safety and theft data than by size or vehicle class. A full-size truck and a sedan can carry similar rates if their risk profiles are comparable. A vehicle with a poor safety record or high theft rate will cost more to insure regardless of type.
- Your Age. Drivers under 25 generally pay more. Rates tend to be most favorable around age 40 and begin rising again after 70. Again, this is all based on statistical risk. Younger and older drivers are more likely to be in accidents.
- Credit Score. In most states, a higher credit score means a lower premium. California, Michigan, Massachusetts, and Hawaii prohibit carriers from using credit as a rating factor.
- Coverage level. More coverage costs more. The gap between state-minimum liability and full coverage can be significant, as can the gap in protection when you actually need to file a claim.
Understanding Your Coverage Options
A quote reflects a specific combination of coverage types and limits. Before comparing quotes, it helps to know what you’re comparing.
- Liability coverage is required in nearly every state and is the foundation of any auto policy. It pays for the other driver’s medical costs and property damage if you’re at fault. Most experts recommend carrying more than your state minimum: at least $100,000 per person and $300,000 per accident in bodily injury liability.
- Collision coverage pays for damage to your vehicle after an accident, regardless of fault. If you have a loan or lease on your car or truck, your lender almost certainly requires it.
- Comprehensive coverage covers damage from events other than collisions, such as theft, weather, falling objects, and similar incidents. Combined with collision, this is what’s commonly referred to as full coverage.
- Uninsured and underinsured motorist coverage protects you if you’re hit by a driver who has no insurance or insufficient coverage to pay for all of your costs. More than one in seven drivers (over 14%) on the road today are uninsured. This coverage is worth carrying, even in states where it isn’t required. Skipping it to save a few dollars a month is one of the most common mistakes we see. Without it, if an uninsured driver totals your car, you’re responsible for the bill.
- Medical payments and personal injury protection (PIP) cover medical costs for you and your passengers regardless of fault. Required in no-fault states; optional but useful elsewhere.
One note specific to truck and SUV owners: if you use your vehicle for towing a trailer, boat, or equipment, confirm whether your personal auto policy covers towing-related incidents. In many cases, it doesn’t, and a separate endorsement or policy may be needed.
For a deeper look at coverage types and how to choose your limits, see our Compare Car Insurance Quotes page.
Why Comparing at Renewal Beats Staying Loyal
Most drivers renew with their current carrier by default. Loyalty discounts make it feel like the financially smart move. But rates change often, and what was competitive 12 months ago may not be now.
More importantly, the reason to compare at renewal isn’t just about price. It’s about value (price plus coverage plus service quality). By exploring your options, you may find a carrier with rates similar to your current one that provides significantly better coverage. Or you might find one with a faster, simpler claims process. Even if you end up determining that staying put is the right call, at least you did your due diligence and can have peace of mind knowing you are getting the best value.
Either way, you won’t know without comparing. We recommend shopping at every renewal or every six months, especially if your situation has changed.
Reasons your rate might change (most of these can result in LOWER rates):
- You get older (the closer you are to 40, the lower your rates will be)
- The longer you’ve had coverage, the more money you could save
- Your car, truck, or SUV depreciates in value over time
- You’ve moved (different zip codes can have significantly different rates)
- You got a new vehicle
- There are new drivers in your household, or one has moved out
- Insurance companies are always rolling out new incentives
Cheaper Isn’t Always Better
This is the most important thing first-time insurance shoppers miss, and it’s worth stating directly: the cheapest quote is rarely the best quote.
The financial pressure to choose the lowest number is real. But the cost of being underinsured is far higher than the annual savings from going with the cheapest option. When you need to file a claim and your coverage isn’t adequate, you pay the difference out of pocket.
As discussed above, the focus should be on value. A policy with a slightly higher premium that comes with better coverage limits, a reasonable deductible, and a carrier with a solid claims track record is almost always the better long-term decision.
This is especially true for trucks and SUVs, where repair and replacement costs can run higher than a standard sedan. Making sure your coverage limits reflect your vehicle’s actual value (not just what the state requires) is worth checking before you buy.
How Getting a Car Insurance Quote Has Changed
EINSURANCE has been in this business since 1992. The difference between getting a car insurance quote then versus now is substantial.
Thirty years ago, comparing rates from multiple carriers meant calling agents one at a time, repeating your information over and over, and waiting days for a response. Most people didn’t compare at all back then (and who can blame them?).
Technology changed all of that. Carriers today price with far greater precision, factoring in driving behavior, telematics data, and individual risk profiles in ways that weren’t possible before. The result is a wider spectrum of policy options for each driver, including mileage-based plans tied to how much you drive and telematics programs where your actual driving behavior influences your rate.
Customers can now do in minutes what previously required going through an agent and waiting days. Taking this a step further, we’ve built a system that lets you get accurate, competitive quotes from multiple carriers in under five minutes — for free! There’s no reason not to take advantage of it.
Frequently Asked Questions
What is a car insurance quote?
A quote is an estimate of what you’ll pay for a specific set of coverage options from a specific carrier. It includes the premium, coverage types, limits, deductible, and policy duration. It’s not a binding contract, though. You’re not committed to anything until you choose a policy and complete the application with that carrier.
What’s the difference between a quote and a rate?
A rate refers to the premium a carrier charges. A quote includes the full picture: premium, coverage types, limits, duration, and deductible. Carriers sometimes advertise low rates built on state-minimum coverage with high deductibles. The rate looks attractive, but the actual protection is often inadequate. Always compare full quotes, not just the premium number (rate).
How long does it take to get a quote through EINSURANCE?
Based on our tests, it should take under five minutes from entering your zip code to seeing real quotes from real carriers. Having your vehicle information, driving record, and approximate credit score range ready before you start keeps things moving.
What information do I need?
Your name, date of birth, gender, marital status, vehicle year, make and model, address, driving record, approximate credit score range, and current insurance carrier (if applicable). You don’t need your VIN or driver’s license number to get started.
Will getting a quote affect my credit score?
No. Insurance quote requests use a soft credit inquiry, which does not impact your credit score.
Do I have to buy immediately after getting a quote?
No. You can review your results, compare carriers, and take as long as you need. Quotes typically remain valid for 30 days, though rates can change.
Is my personal information shared when I get a quote?
We securely share the necessary information you provide with our carrier partners to get you real quotes to compare. We will not spam you with unrelated offers. See our privacy policy for full details.
How often should I get new insurance quotes?
At a minimum, every time your policy renews. Every six months is better, especially if anything has changed, including your address, your vehicle, or the drivers in your household.
Does this work for trucks and SUVs?
Yes. The quote process is identical regardless of vehicle type. Trucks, SUVs, and cars all use the same form.
EINSURANCE is only a referral agent that provides you with car insurance quotes from multiple carriers. Once you need to file a claim on the policy you purchase, you will file directly through the insurance company that you bought the policy from. You will also need to speak with them directly if you have any questions about your policy documents, policy details, or billing. Since EINSURANCE is only responsible for providing you with car insurance quotes, it is important to be aware of which company you get your policy from so that you know how to contact them with any claims or to get any information you need about your coverage.
