Frequently Asked Questions about Car Insurance Offers

Get the answers to the most commonly asked questions about car insurance offers.

Where can I find free car insurance offers?

When you provide us with your contact information, you will receive up to five free offers on car insurance from several of our insurance partners. You will just need to supply your name, phone number, etc. on our online form to see your quotes. We display our auto insurance offers side by side to simplify the shopping and comparison processes.

What coverages are required to drive legally?

Every state will have its own mandatory insurance requirements. For specifics, you should contact your local department of motor vehicles or your state's insurance department. Typically, most states require drivers to carry minimum levels of bodily injury and property damage liability. Failure to comply with mandatory minimum insurance laws usually results in fines, license suspension, and/or vehicle title revocation.

What coverages can I live without?

It's a major risk to underinsure your vehicle. You may save on premiums in the short run, but one accident could do irreparable damage to your finances without the right coverage. That said, however, there are certain coverages that are unnecessary in some cases. For example, collision coverage is based on the actual cash value of your vehicle. If your car has little to no cash value, this coverage is essentially worthless to you. Thus, when shopping for car insurance offers, you might consider leaving out collision and comprehensive coverage if you have an older vehicle.

Does insurance follow the car or the driver?

The answer to this question will vary by policy, as every policy will have unique language and stipulations. Generally speaking, though, insurance follows the vehicle. As long as the driver of your car has your permission and is not excluded in your policy, he/she will usually be covered by your policy.

Who provides the car insurance offers on your site?

We work with almost all major insurers in the U.S. The insurers in our referral network include State Farm, Allstate, Farmer's, AAA, American Family, and many others. Of course, the individual companies that provide your car insurance quotes will depend on your coverage needs and preferences.

Who is the largest auto insurer in the U.S.?

The largest auto insurer in the U.S. is State Farm. Allstate and Farmer's are numbers two and three, respectively.

Have teen driver? Check out the section all about insuring a teen driver.