Frequently Asked Questions about Insurance Rates
The answers to the most commonly asked questions about insurance rates are provided below.
How do I get insurance rates on this site?
You can get complimentary quotes on insurance rates by completing our sign-up form. The information you provide will be used to find insurers that can meet your policy needs. We will present you with at least four different offers on various policies. At this point, you can compare the policies simultaneously and, if you find one you like, apply for it on the insurer's website.
Does it cost money to compare insurance rates on this site?
No, our quotes are free of charge. We are a referral service, not an insurer, which is why we do not charge our visitors for the information we provide. As always, our quotes come without any obligation as well.
Do you offer insurance rates on every type of policy?
Our insurance partners can offer rates on most any policy. You can find insurance rates on car, home, health, life, and renter's insurance, to name a few.
What insurers do you work with?
We work with most major insurers in the U.S. to provide quotes on our site. We have too large of a network to provide an exhaustive list of our insurance partners. A few of the largest companies that work with us include Blue Cross Blue Shield, State Farm, Allstate, Farmer's, MetLife, AIG, and more.
What should I look for when choosing a policy?
Low insurance rates are not the only criterion you must consider when selecting a policy. The stability and reputation of the insurer are also important, as are the coverage options and quality of the policy. Remember that cheaper policies often skimp on coverage, which can end up costing you more in the long run. For more details, please check out our insurance categories page.
Where can I find information about the insurance laws in my state?
Every state has an insurance department that should have a website. Your state's department of insurance can help you file a complaint against an insurer, research an insurer's complaint history, and compare average insurance rates for different areas of the state. The laws relevant to the insurance industry should also be available on the site.
What is a premium?
Premiums mean the same thing as insurance rates—the price policyholders pay, usually on an annual or semi-annual basis, for coverage. Some insurers allow policyholders to break their premiums up into monthly payments for convenience. The level of your premiums will depend on the amount of risk you represent to the policy issuer.