Car insurance quote comparison worksheet
Line up two quotes coverage by coverage, put their prices on the same yearly basis, and see where the coverage isn’t the same.
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Compare coverage before price
A cheaper quote often has lower liability limits, higher deductibles, or fewer extras. Copy the numbers from each quote into the columns below. Leave a coverage blank if the quote doesn’t include it.
Your comparison
- per year
- per year
These quotes aren’t equivalent
The coverages you entered match. Other details can still differ, such as exclusions, how claims are paid, and customer service.
Enter both premiums to see results. Six-month premiums are doubled to compare on a yearly basis.
What this worksheet can’t tell you
- Your policy decides what’s covered. Two quotes with the same limits can still have different exclusions and conditions.
- Your state sets minimum liability limits. Many people choose higher limits because a serious accident can cost far more than the minimum. Look up your state
- Check each insurer’s license and complaint record with your state insurance department or the NAIC before you buy. Insurance company profiles
About this estimate
This calculator is general education, not insurance, financial, or legal advice. It uses simple math on the numbers you enter and can’t account for everything about your situation. Your policy, your insurer’s rules, and your state’s requirements control what is covered and what it costs.
For advice about your own coverage, talk with a licensed insurance agent. Questions about an insurer or agent can go to your state insurance department.
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