How to compare auto insurance quotes and policies

Choosing car insurance can be a bit like navigating a busy highway — full of confusing twists and unexpected turns. And with so many companies offering different rates and coverage options, it’s easy to feel lost.

At American Family Insurance, we understand — and we’re here help. Our step-by-step guide streamlines the process, so it’s easier and quicker to discover the right auto insurance coverage for you. Let’s dig in!

Get ready to shop for car insurance

Before you begin comparing policies, gather a few key details:

• Your car’s year, make, model, and VIN
• Your driving record and any insurance claims from the past five years
• A general idea of your credit score
• Basic info, like your birthday, gender, marital status, zip code, and the name of your current car insurance company if you have one

Enter your information consistently. When requesting quotes from multiple sources, be sure to enter all your information the same way each time. For example, if you choose a specific deductible, use that same amount for every quote. This helps you compare rates accurately and make an apples-to-apples decision.

Don’t worry about others’ rates. It’s natural to wonder why a friend or family member pays a different price for their insurance. But rates are based on a range of personal factors, so your premium will reflect your unique circumstances. Focus on finding the right coverage for your needs.

Be patient. Sometimes, getting an online quote isn’t instant. Some insurance companies may have an agent follow up with you to help build the best policy for you.

Comparing auto insurance policies

Auto insurance is designed to help protect you financially if the unexpected happens. Plus, it’s required by law in most states. Here’s a quick overview of common coverages:

Liability coverage. This is coverage for damage you cause and are legally liable for. Liability coverage helps pay for bodily injuries to your passengers, other drivers and their passengers, and even pedestrians. It also assists with damage to others’ property and can step in to help with legal costs if you are sued.

Collision and comprehensive coverage. These coverages go hand in hand to protect your vehicle against most forms of damage, but they have distinct differences. Collision coverage protects against collision or rollover damages, no matter who’s at fault. Comprehensive car insurance protects your vehicle from non-collision events, such as hail, fire, flooding, theft, vandalism, or hitting an animal.

Neither of these coverages is required by law, but keep in mind, some insurance companies may only allow you to purchase collision if you also carry comprehensive. In addition, if you lease or finance your car, your lender will likely require you to have both coverages.

Uninsured/underinsured motorist coverage. Some states require drivers to have uninsured or underinsured motorist coverage, so you and your passengers have protection if you’re hit by a driver who doesn’t have enough, or any, car insurance.

Personal injury protection (PIP)/medical expense coverage. Regardless of who’s at fault, PIP/medical expense coverage steps in to help with medical expenses for you and your passengers. It is required in “no-fault” states, where each party is responsible for their own damages after an accident.

It’s a good idea to learn about additional auto insurance terms and your state’s legal requirements, so you know the minimum coverage you need.

How to compare car insurance companies

When you’re ready to compare, make a list of what matters most to you. Here are a few things to consider:

Discounts. Many insurance companies offer discounts, but details vary, so it’s important to read the fine print to have a clear picture of each company’s savings opportunities.

At American Family Insurance, you could be eligible for a wide variety of discounts — from loyalty to multi-vehicle savings. Contact your American Family agent to see what discounts you’re eligible for.*

Premium and deductible. It’s important to look beyond the total price. Many coverages include a deductible, which is the amount you’re responsible for in the event of a covered loss. Generally, the higher the deductible option you choose, the lower your premium (what you pay to stay insured) will be. On the other hand, if you go with a lower deductible, your premium is typically higher.

Coverage. The cheapest policy isn’t likely the best coverage. Be sure you’re getting the protection you need for your budget.

Limits. Higher coverage limits — what an insurer pays out on your behalf — can provide greater financial protection for a covered loss, but they may cost more.

Company reputation. Your insurance company should work hard to keep you and your loved ones safe. Before you pick a provider, look at multiple companies. Do they have great customer service? Cutting-edge technology? 24/7 claims service? Be diligent, and don’t settle until you find one that will be there for you when you need them most.

Get a car insurance quote

Now that you know how to compare auto insurance quotes, you’re ready to explore your options. American Family offers smart, customizable coverage to build the right insurance plan for your specific needs. Reach out to an agent today to learn how we’ll support you so you can keep pursuing your dreams with confidence.

This article is for informational purposes only and based on information that is widely available. This information does not, and is not intended to, constitute legal or financial advice. You should contact a professional for advice specific to your situation.

This information represents only a brief description of coverages, is not part of your policy, and is not a promise or guarantee of coverage. If there is any conflict between this information and your policy, the provisions of the policy will prevail. Insurance policy terms and conditions may apply. Exclusions may apply to policies, endorsements, or riders. Coverage may vary by state and may be subject to change. Some products are not available in every state. Please read your policy and contact your agent for assistance.

*Discount, savings and product eligibility varies based on the way you purchase insurance, by state, property type and policy form. Discounts may not apply to all coverages on an auto or home policy. Exclusions may apply.