How to Get Free Car Insurance Quotes in 2025

A car insurance quote is an estimate of what you'll pay for an auto policy from a particular insurance company. While some quotes may be similar, you might be surprised to find that quotes from various insurance companies can vary widely. This is because each carrier uses its own formula to evaluate your risk level as a driver and to determine how this translates into car insurance premiums. 

Comparison shopping is the best way to ensure you find the right policy. But while gathering quotes online on your own may seem enticing, you can save even more time and gather additional quotes with the help of an independent insurance agent in your area. These agents can get free car insurance quotes from multiple insurance companies and give you the options that represent only reliable and affordable policies from reputable carriers. But until then, here's a guide to getting free car insurance quotes in 2025.

How to Get Free Car Insurance Quotes Now in 3 Easy Steps

So, it's time to shop for car insurance. Before you seek out a few quotes, take some time to prepare all the information you'll need to provide for the quote. 

Step 1: Gather Your Information

Car insurance quotes are only as good as the information you provide. Make sure you're able to supply the following details with as much accuracy as possible:

• Your date of birth, gender, and marital status
• The make, model, and year of your vehicle(s)
• Vehicle identification numbers (VINs)
• The expected annual mileage for each vehicle
• How the vehicle is used (i.e., commuting to work or school, leisure, etc.)
• The date of birth for all drivers who will be using the insured vehicle
• Your address and the location where the vehicle will be stored when not in use
• The type of insurance you need, including any additional coverage you might want (i.e., towing and roadside assistance)
• Accidents, tickets, and claims histories of all drivers in the household
• The driver's license numbers for all drivers in the household
• The name of your current car insurance company, if you have one
• Your current coverage amounts, if applicable

Having all this information ready before you start the process of finding online car insurance quotes can help everything move smoothly and efficiently. 

Step 2: Decide Where to Get Your Quotes

You have two main choices for obtaining car insurance quotes: 

1. Online quotes
2. Insurance agents

There are a few different types of insurance agents, but the most basic types are captive insurance agents and independent insurance agents. Captive agents work for only one insurance company and can only sell that one company's policies. Independent agents, on the other hand, typically represent numerous insurance companies and can shop around to find the best fit for their clients. 

Step 3: Find a Local Independent Insurance Agent

We know that most people want quick and easy free car insurance quotes. While online quotes might seem like the fastest, easiest option, is that really the case? 

Online quotes often aren't as accurate as a quote you can get when you work with an agent. You could miss out on car insurance discount options and other ways to save money when there's no one to advise you. Further, when you go to purchase a policy based on an online quote, chances are you'll be advised to upgrade or add on to the quoted coverage, increasing the premium you thought you'd be paying. 

When you work with a local independent insurance agent, there's no need to fear hidden fees or any other unwelcome surprises. These agents work as your ally and can even break down the jargon in insurance quotes and policies so you understand exactly what you're getting. Not to mention, your agent is a trusted expert who knows exactly which car insurance companies in your area to recommend based on affordability and reliability. 

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Get the Best Free Car Insurance Quotes From an Independent Insurance Agent

Your best bet for getting free car insurance quotes is to work with an independent insurance agent. A local independent insurance agent can provide quotes from multiple highly rated insurance companies. Simply provide the information needed, and your agent can do the work for you — before, during, and after the quote process.

You won't just be provided with a price and a phone number to call or a link to follow to initiate your policy. You'll receive expert advice and top-notch personal service throughout the life of your policy. An independent insurance agent can also help you with any other insurance needs you have and ensure you receive all the discounts you're entitled to, and that you get matched to the best coverage for your unique risks.