How to Compare Car Insurance

There's more to car insurance than the dollar amount.

woman considers how to compare car insurance
When comparing car insurance quotes online, it helps to compare apples to apples; in other words, you want to be sure that the quotes you get are for identical - or at least very similar - auto insurance policies. Here are some things to be looking for when you compare car insurance quotes:

Ensure Coverages, Limits and Deductible Amounts are the Same
Higher coverages and limits, as well as lower deductibles, will raise the premium you pay. At the same time, lower coverages and limits and higher deductibles will lower your premium. Be sure, also, that you are comparing the same coverage period, usually a 6-month or 12-month term.

Use the limits listed on your current policy, or use our Car Insurance Coverage Calculator to select the amounts you'll use to compare car insurance rates.

Know What Coverage You're Getting
Auto insurance policies have a number of components. When you compare car insurance it's a good idea to be familiar with concepts such as:

  • Liability
  • Medical payments and personal injury
  • Uninsured/underinsured motorists
  • Collision and comprehensive
Before you compare car insurance quotes, learn more about Car Insurance Coverages.

Know What Policy Features are Included
When Liberty Mutual provides you with a car insurance quote, we list all coverages and features of the policy so that you know exactly what's included in your quote, and which items may have an additional cost, such as towing or car rental coverages. When you compare car insurance, make sure you're getting the coverage you need and the features you want.

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