Compare insurance quotes

• ✔ Compare several quotes
• ✔ Licensed agents and providers
• ✔ No obligation to buy

Why use SmartSave Hub

• Independent, free-to-use information
• No obligation — you decide whether to proceed
• Secure connection (HTTPS)
• Clear disclosure of how we are paid

How to compare insurance quotes

This is general information, not financial advice. Rates, fees and eligibility vary by provider and by your situation. Insurance prices vary widely between companies for the same person, so comparing quotes is often worthwhile. The key is comparing equal coverage, not just the premium.

• Use the same coverage limits, deductibles and add-ons for every quote.
• Check what each policy excludes.
• Compare the company's claims reputation and financial strength ratings.
• Ask about every discount you might qualify for.
• Confirm the agent or company is licensed in your state (your state insurance department has a lookup).

Auto insurance basics

Most states require minimum liability coverage, but minimums can be low relative to the cost of a serious accident. Common coverages: liability (bodily injury and property damage), collision, comprehensive, uninsured/underinsured motorist, and medical payments or personal injury protection. Rates depend on factors such as your driving record, vehicle, location, and — where allowed — credit-based insurance scores.

Home insurance basics

Standard homeowners policies typically cover the dwelling, other structures, personal property, liability and additional living expenses. Flood and earthquake damage usually require separate coverage. Ask whether your dwelling coverage is based on replacement cost and whether it reflects current rebuilding costs in your area.

Life and health insurance basics

Term life insurance covers a set period and is generally the lowest-cost way to buy a large death benefit; permanent policies cost more and build cash value. For health insurance, compare premiums together with deductibles, out-of-pocket maximums and provider networks. Depending on income, you may qualify for savings on plans through the official Health Insurance Marketplace or your state's exchange.

Ways to lower premiums

• Bundle home and auto with one company if it truly saves money.
• Raise your deductible if you have savings to cover it.
• Ask about safe driver, multi-vehicle, home security, good student and paperless discounts.
• Review coverage each year and remove what you no longer need.
• Maintain continuous coverage — gaps can raise rates.

What to expect after requesting quotes

Requesting quotes may result in contact from licensed agents or insurers. You are never obligated to buy. Read the policy documents before purchasing, and don't cancel an existing policy until the new one is in force.

How SmartSave Hub works

SmartSave Hub is an independent information and referral website. We write general guides to help you understand your options, and we link to or connect you with third-party companies that provide the actual products or services. We do not perform services, make loans, sell insurance or set prices.

We may be paid by partners when you click a link, submit a request or place a call through this site. That compensation can affect which partners appear, but it does not change the general guidance on this page. We do not list every company or offer available, so we encourage you to compare options independently, read each provider's terms and ask questions before you commit to anything.

Questions about this site? See our About page or Contact us.

Frequently asked questions