Two calculators and a readiness check
Which deductible costs you less across a year, which of two quotes is genuinely cheaper once fees are included, and whether you have everything an insurer will ask for.
Deductible vs premium scenario
Find the point where a cheaper premium stops being cheaper, based on how often you actually expect to claim.
Assumptions this uses
- Both options are assumed to cover the same things — if they do not, this comparison does not hold.
- The deductible is assumed to apply once per claim.
- Premiums are treated as fixed for the year; a claim may change your renewal price.
- No fees, taxes or installment charges are included.
Limitations: this does not account for how a claim affects your future premium, for differences in policy wording, or for any coverage limit other than the deductible.
Runs entirely in your browser.
Write your coverage spec down before you request a single quote
Decide your liability limits, deductibles and any optional coverage first, in writing. Then quote that exact specification everywhere. Any quote that doesn't match it is a different product, not a better price — this one habit prevents almost every comparison mistake on this site.
True annual cost of two quotes
Two auto insurance quotes side by side on total annual cost, including the fees the monthly figure hides.
Assumptions this uses
- Both quotes are assumed to be for identical coverage, limits and deductibles.
- Fees include installment charges, policy fees and any payment charges you would actually pay.
- The comparison assumes the price difference stays roughly the same across the year, which it will not exactly.
Limitations: this compares price only. It cannot tell you how either insurer handles a claim, which is where the value of the policy is actually delivered.
Runs entirely in your browser.
The Auto Insurance Quote-Comparison Checklist
Everything to gather and decide before you request a single quote, so every comparison is genuinely apples to apples.
Get the free guide →Quote-preparation checklist
The details every insurer asks for. Gather them once and every quote becomes genuinely comparable.
Assumptions this uses
- This checklist reflects information commonly requested across US auto insurers; some insurers ask for additional details.
- It does not determine your eligibility or what any insurer will quote.
Limitations: this is a preparation aid, not a quote — actual required information varies by insurer and by state.
Runs entirely in your browser.
Partner link — we may be paid a fee at no cost to you. How we make money.
Ready to see real numbers?
Once your coverage spec is written down, a multi-insurer comparison tool is the fastest way to see what it actually costs across the market.
Compare quotes →