Car Insurance Estimator

Car Insurance Estimator

Before buying any auto insurance coverage, you first need to get a ballpark estimate of your expected premiums. This is where free tools like an auto insurance estimator can really help out. When shopping for a new automobile, you should check the average insurance rates first before buying the vehicle. Some models of cars can fluctuate in coverage costs quite a lot. Getting an estimated quote will give you a good number to work with. Then you can go out and try and get a better rate, below the overall average. Enter your zip code now and compare direct auto insurance rates online.

Estimates Don't Require Much Information

One of the cool things about getting a car insurance estimate online is it only takes a minute or two. Another benefit is you don't need to enter your personal information. Estimates are just that; they will give you a rough idea of what you can expect to pay for coverage. Most free insurance estimate tools only require the following:

  • Age of The Driver
  • Year, Make and Model of Your Car
  • Zip Code
  • Type of Insurance Coverage: Liability, Collision, or Comprehensive

These questions will give you an estimate of what you can expect to pay for coverage. Notice you don't have to plug in your social security number and other personal information, like your name and home address. This is why so many people like getting a rough insurance estimate before filling out a more detailed quote. With some tools, a free car insurance estimator can quickly give you a ballpark amount in less than a minute. You also don't need to worry about salespeople calling you or getting hit with a bunch of unsolicited emails. Enter your zip code now and compare rates online.

Use an Auto Insurance Estimator When Shopping for a New or Used Car

One of the best times to use a quote estimator is when you are in the process of buying a new or used car. Rates can vary quite a bit between different makes and models of similar
automobile types. For example, a new Toyota Sienna might cost $50 more per month to insure than a new Honda Odyssey. This can add up to thousands of dollars over the course of owning the vehicle. All things being equal, the price of insuring a certain automobile needs to be a big purchasing factor. It can save you a lot of money and help you afford the overall ownership expense of the vehicle.

This is also true of used vehicles. If you narrow your search down to three cars you are considering buying, then do some basic insurance research before you decide on one. The premiums can fluctuate a lot, so if you are on a strict budget, go for the cheapest vehicle to insure. Remember, a dollar saved is a dollar earned.

Car Insurance Estimates for Teenagers

Most teens are dying to get behind the wheel when they turn 16 years old. The reality of high-cost teen auto insurance never crosses most teenagers' minds. The truth is young drivers under the age of 20 pay the highest rates of any motorist age group. Many teens want fast, sporty cars that are even more expensive to insure. If value and low rates are important, add your teenager to your existing policy and let him or her drive an old family car. This will save hundreds annually.

If a youthful driver has a part-time job and the financial resources to pay $200 or more each month for coverage, then it's important to compare as many quotes as possible to find the best deal. Getting an auto insurance estimate is necessary if a teen is shopping for a new or used car. Thanks to the internet, estimates can be done on a smartphone in about one minute. Since almost every teen is attached to their cellphone, then have him or her gets an insurance estimate first on any vehicle they are interested in buying. This will also help educate them financially and on how to make more disciplined decisions.


When shopping for a new or used car, a car insurance estimate can help you learn what vehicle is the cheapest to insure. However, estimates are just that - a comprehensive overview. They are inaccurate, and you could end up paying more or less. To get precise rates, you must fill out a quote and enter all your information. This most likely will include your social security number, name, and home address. Insurers like Unique Insurance Company will let you compare up to 10 auto insurance quotes online. They can save you hundreds and get you quality coverage, often for a lot less. To get started, just enter your zip code.