Auto insurance quotes by phone

Talk through the coverage you need

Whether your policy is due to renew or you’re buying a car, a conversation can help you understand your options. Make a short list of what you want to discuss: the price, your deductible, coverage limits or extras such as roadside assistance.

Ask for clear explanations and a written quote so you can review the details in your own time. If you use your car for work, deliveries or ridesharing, mention that at the start. Those uses may need different coverage.

Have a few details ready

• Your ZIP code and the address where the car is kept.
• The vehicles and drivers you want to insure.
• Your car’s year, make, model and VIN, if available.
• Your current policy and renewal date, if you already have insurance.
• How you use the car and your approximate annual mileage.
• The coverage limits and deductibles you want to compare.

Your current declarations page is a useful starting point. It lists your policy’s main limits and deductibles. Before sharing sensitive details, confirm which insurance business you are speaking with and why it needs them.

Questions worth asking

Use the same drivers, coverage limits and deductibles for each quote. Compare the full cost for the policy term, rather than just the first monthly payment.

• What does the policy cover, and what does it leave out?
• How much would I pay myself after a covered claim?
• Are payment fees or optional extras included in the price?
• Which discounts could I qualify for, and what are their conditions?
• When would coverage start, and how would I make a claim?

If you’re switching insurers, confirm the new policy’s start date and time before canceling the old one. Keep coverage in place until the replacement is confirmed.

Common questions