Car Insurance Quote Comparison

Q: How Can I Get a Quote for Car Insurance?

When you’re exploring auto insurance, comparing quotes can help ensure you don’t overlook critical details. But whether you’re shopping for insurance or need to file a claim, know that The Hartford is always here to help. Get a car insurance quote online or call us at 888-546-9099 today.

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Key Takeaways

Knowing how to compare car insurance quotes efficiently can help save you time and money.
Depending on where you live or your vehicle ownership status, you may have certain coverage requirements. So, it’s important to look at coverages closely as you compare quotes to ensure you get what you need to drive with confidence.
While price is an important factor when comparing auto insurance quotes, there are other things to consider. Think about how much protection you need in case of an accident, any additional benefits or policy enhancements and company reviews.

man happy he could compare car insurance

How To Compare Car Insurance Quotes

As a consumer, it can be helpful to compare car insurance quotes. Auto insurance companies may offer unique discounts or benefits that could impact your price. And as an experienced driver, you may have needs that are evolving, so you’ll want to ensure your policy comes with customizable coverage options. When you’re doing an auto insurance quote comparison, be sure to look closely at the policy details.

Follow these three steps to help you compare auto insurance quotes:

1. Gather Your Information

Car insurance companies will require information to give you a quote. Usually, this includes basic details about yourself like your age, location and employment status, as well as information about your vehicle, any additional drivers on the policy and your current insurance.

2. Select Your Liability Limits and Coverage Levels

Each state requires different minimum coverage requirements. If you have a loan or lease on your car, your lender may have additional requirements. Then, decide if you want to add additional protection beyond what’s required.

3. Collect Quotes and Compare Rates

When you compare auto insurance rates, it’s important to compare quotes with the same deductibles, discounts and coverage. To save time, you can use tools like a car insurance calculator to help estimate your coverage needs before you start shopping. Remember that price shouldn’t be the only thing you consider. Higher coverage amounts may impact your insurance cost but will help protect you from out-of-pocket expenses after an accident. So, just because an insurance policy is the cheapest doesn’t mean it’s the best, as it may not provide enough protection.

The Hartford understands that when it comes to car insurance, there isn’t a one-size-fits-all policy. That’s why AARP^® Auto Insurance from The Hartford¹ comes with customizable coverage options and additional benefits to personalize your policy at price that fits your budget.

Compare Auto Insurance Coverages

Car insurance offers protection when you need it most, so it’s important to know what is covered and how far your protection extends. How much car insurance costs will depend on the coverage options you choose, such as:

Property damage liability coverage: Helps pay for damage that your car causes to property you don’t own, like mailboxes, fences and other vehicles.
Bodily injury liability coverage: Helps pay for medical expenses for people injured in an accident you caused. It also pays for legal fees if you cause a car accident that injures someone else. This car insurance coverage even helps cover injuries to pedestrians.
Comprehensive coverage: Helps pay for damage to your vehicle from events like natural disasters, theft, vandalism or collision with an animal.
Collision coverage: Helps pay for damage to your car if you hit another vehicle or object, like a tree or fence.
Personal injury protection coverage (PIP): Helps cover medical expenses for bodily injuries and lost wages for anyone in your car that is hurt, no matter who is at fault in the accident. This coverage is also known as no-fault insurance.
Uninsured motorist bodily injury coverage and uninsured motorist property damage coverage: These coverages can help you if you’re in an accident with an underinsured, uninsured or hit-and-run driver.

The Hartford offers tools and support to help you confidently navigate the car insurance quote comparison process, like a car insurance calculator.

Compare Car Insurance Rates by State

Trying to choose the right coverage for your car? Compare insurance rates in your state to ensure you’re selecting the right policy based on local requirements. While how much coverage you have will impact your annual premiums, the average car insurance policy with The Hartford costs between $121 and $162 a month.^†

Why Choose The Hartford for AARP Car Insurance

When it comes to choosing coverage for your car, compare insurance carefully. When you have a policy with The Hartford, you can count on a full range of car insurance coverages to be included in your policy, as well as optional benefits for added protection, including:

New car replacement coverage if you total your new car. We’ll even pay to replace it with a new car of the same make, model and equipment without subtracting anything for depreciation.^§§

RecoverCare^§ coverage to help pay for home services, like house cleaning, if you’re injured in an accident and can’t do them yourself.

Lifetime car repair assurance, which gives you access to our 1,600 authorized repair shops. If you use one of our recommendations, we’ll guarantee the workmanship on all repairs.

Disappearing Deductible, an optional benefit, which reduces your collision deductible on your auto policy over time as long as you are a safe driver and maintain a clean driving record.^‡

Rental Car Reimbursement Coverage, also called transportation expense coverage, to help pay for a rental car while your vehicle is in the shop after an accident.

Accident Forgiveness, which excuses your first accident if you need to file a car insurance claim, as long as all drivers on your policy have a clean driving record and are accident-free for five straight years with The Hartford.^‡

Frequently Asked Questions About Car Insurance Quotes

How Often Should You Comparison Shop Your Auto Insurance Rates?

You may want to review your car insurance policy every six to 12 months to make sure you’re getting the coverage you need at a price that fits your budget. You may also want to check that you’re taking advantage of any available discounts.

What's the Best Way To Compare Car Insurance Quotes?

It may be easier to compare car insurance quotes online. When you compare car insurance quotes, just remember cheaper is not always better. You’ll want to look closely at the coverage provided in each quote. Reading customer reviews before you decide can also be helpful.

How Can I Get a Quote for Car Insurance?

When you’re exploring auto insurance, the quotes comparison can help ensure you don’t overlook critical details. But whether you’re shopping for insurance or need to file a claim, know that The Hartford is always here to help. Get a car insurance quote online or call us at 888-546-9099 today.

How To Get Car Insurance Quotes Online

Car Insurance Calculator

Auto Insurance Benefits for AARP Members

^† Average savings amounts are derived from 6-month policy terms and based on information reported by customers who switched to The Hartford's newest rate plan between 9/1/22 and 8/31/23. This data is also used to determine the number/percentage of individuals who saved money when they switched. Your savings may vary. Rate differences for AARP members and non-members vary by state and AARP membership tenure.

** Average savings amounts based on information reported by customers who switched to The Hartford from other carriers between 9/1/22 and 8/31/23. Your savings may vary. Average auto insurance savings is $577 and average home insurance savings is $236. Rate differences for AARP members and non-members vary by state and AARP membership tenure. Auto/Home discount is available only to policyholders who have both their auto and home (or condo or renters) insurance through the AARP Auto & Home Insurance program from The Hartford. The Hartford does not write new business in all areas, including the states of CA and FL.

^§ Availability of RecoverCare benefit and benefit levels vary by state. The Hartford RecoverCare Advantage^® is a registered mark of The Hartford.

^§§ Terms and conditions apply.

^‡ Terms and conditions apply. Accident Forgiveness and the Disappearing Deductible are not available to CA policyholders.

^‡‡ Terms and conditions apply. Availability varies by state.

^‡‡‡ Based on one car and driver; individual rate/premium/savings will vary based on actual coverage selections and characteristics of vehicle(s)/driver(s).

Additional disclosures below.

Car Insurance Quote Comparison: Find the Coverage You Need