Not all the same.

Are All Car Insurance Comparison Sites Equal?


Not all comparison sites are the same! A true comparison for the cheapest equivalent quote takes some time and at least 3 different comparisons on 3 different sites.

We have also got to take into account that not all car insurance companies are on comparison sites. This especially applies to specialist insurance companies such as classic car insurers and young driver insurers.

Different car insurance companies produce very different quotes for the same person, even if the policies being compared are identical. This makes comparison shopping a crucial part of buying auto insurance. Clever shoppers will compare at least four or five different insurance providers to make sure they are getting a good deal.

Up to 70% in instant savings are at your fingertips when you compare car insurance quotes every year.

Auto insurance comparison websites, which let you instantly compare auto insurance quotes from multiple insurance providers, can be a big help in your quest for affordable or cheap car insurance. They provide personalized rates, discounts, and coverage options all on one site—much like your favourite travel comparison site that gives you side-by-side airline ticket or hotel room options all on a single page.

In order to provide an accurate list of options, comparison sites ask you for necessary information such as your ZIP code, occupation, age, vehicle make and model, and driving history. These details allow the site to provide an accurate list of different insurance policies, options, and rates.

However, not all sites that claim to provide insurance quotes are the real McCoy.

There are two types of insurance comparison websites: quote comparison sites and lead generation sites. Auto quote comparison websites present users with rates based on information submitted during the shopping experience. You can then decide which quote to pursue, and the data you entered is transferred to the agent or company website, significantly shortening the purchasing process. These sites apparently do not sell your information to auto insurance companies or agencies.

Unlike quote comparison sites, lead generation sites sell your information to their advertising partners—typically insurance companies. These sites are not built to provide you with personalized quotes and are not much help when trying to compare car insurance rates. Avoid these sites unless you’re eager to receive tons of cold calls from insurance phone banks and desperate agents.

Real Time or Estimates?

Insurance comparison websites can be broken down further into sites that provide real-time insurance quotes and those that provide estimated ones. Estimated quotes are derived from historic data and are often out of date. To get the most accurate information, you should use a site that provides real-time quotes generated by the insurance companies.

Will the site you’re on know the exact liability limits in your state? Will it make sure you’re matched to a quote that makes sense in your ZIP code? Don’t get swindled by an ad-riddled bot site or lead-gen charlatans. Whether you’re driving in Utah or New York, Wyoming or Hawaii, make sure you’re getting the best deal on your coverage.

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