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or call (855) 425-8122 for free quotes

Best Way to Find Auto Liability Quotes

Here's what you need to know...
  • Liability coverage is car insurance that protects you financially if you cause injury or damage property in a car accident
  • If someone you know has a low rate for car insurance and loves their insurance company, you’re more likely to call that company first
  • Insurance comparison websites offer you the speed of the online estimate while also getting multiple estimates at once like with an insurance broker

Liability coverage is car insurance that protects you financially if you cause injury or damage property in a car accident. Every state requires you to have a certain level of liability insurance, though the specific amount varies state-by-state.

Multiple factors contribute to how much you have to pay for car insurance. Your age, driving record, location, coverage limits and type of vehicle all factor in when your premium is calculated.

That amount also varies greatly depending on your insurance carrier because companies vary as far as what they offer discounts on and how much those discounts are.

Comparison shopping is the best way of determining the deals for car insurance, and multiple methods exist to do this. You need car insurance quotes that are fast, detailed and accurate.

Enter your ZIP code in our tool above now to receive free car insurance quotes.

Word of Mouth

adobestock_82813696-1600x1600While asking your friends about their companies and rates won’t give you an exact quote, because everyone’s case is different, it does provide a starting point.

If someone you know has a low rate for car insurance and loves their insurance company, you’re more likely to call that company first.

Conversely, if a friend complains about his insurance company’s coverage and rates, you’ll know to put that company lower on your list of possibilities. Ask around see if any company stands out among multiple people.

You can also look up reviews for car insurance companies online.

Keep an eye out for companies that have a lot of complaints about car insurance claims.

You may want to stay away from companies who do not pay out when they should.

Phone Book

The phone book is useful for providing the names and numbers of multiple companies right in front of you so you can just run down the list and call each one. Take notes for each call so you can go back and compare them later because there will be a lot of figures to remember otherwise.

Insurance quotes take the time to figure out and you’ll likely be on hold for a while so plan on at least 20 minutes per call when scheduling and making your calls.

Insurance Brokers

adobestock_78819447-1600x1600Auto insurance brokers take your information much like a regular insurance company does and then run it through their system to get multiple quotes at once. They then recommend the company that has the lowest rate for the liability insurance you need.

They only have access to the companies that they deal with so the estimates may be somewhat limited but this can save you time over using the phone book because you’re getting multiple estimates during the 20-minute call instead of a single one.

You then pay the broker a fee if you sign up for their service and they set up your insurance for you through the company of your choosing.

Web Estimates

Another way to save time on the phone is to get estimates from each company online. Most insurance companies offer free estimates through their website, and the process is usually faster than waiting to speak with an operator.

You enter your information into the online form, the website crunches the numbers and then gives you an estimate of what you can expect to pay for liability insurance.

You can also add other insurance amenities on top of it if you wish, such as comprehensive coverage. This normally takes about five to 10 minutes per company site, depending on your Internet speed and how fast you type.

Free Car Insurance Comparison

Compare Quotes From Top Companies and Save

Currently insured?
or call (855) 425-8122 for free quotes

Comparison Sites

Insurance comparison websites offer you the best of both worlds in that you get the speed of the online estimate while also getting multiple estimates at once like with an insurance broker.

You enter your information one time and then the system calculates an estimate for each insurance company based on what it knows about that company’s algorithms and discounts.

You can then print out a list showing each company, their price and how much liability coverage they provide for that rate. Click on any individual company on the page to get further details or to move forward in signing up for insurance coverage.

This method is generally the fastest and most efficient way of getting liability insurance estimates from multiple companies at once.

Other Considerations

calculator-820330_1280-1600x1600Calculate how much mileage you put on the car per year prior to getting your estimate because this mileage contributes to how much you’ll be charged for insurance. If you drastically understate your annual mileage, your coverage can be revoked in the event of an accident.

Two-door cars often have higher insurance premiums than 4-door cars. Cars with airbags, alarm systems, and automatic headlights also often receive lower rates than those that don’t. A vehicle’s crash tests also contribute to a car’s insurance rates.

Drivers under 21 pay higher rates as a general rule. Many companies offer a “good driver” insurance discount for a driver with several years of no accidents on their driving record. Students sometimes get discounts as well.

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