Your rate drifts even when you do not
Insurers refile rates regularly. A price that was competitive when you signed up quietly stops being competitive, and renewal notices rarely spell that out.
Compare before you renew
Your next policy.A clearer choice.
Compare auto insurance quotes for your life, your car, and your budget. Free to compare, with no obligation.
Secure, encrypted connection
- $0Cost to compare
- ~2 minTo answer the questions
- 1Form, not one per insurer
- 0Obligation to buy
Three steps between you and a lower rate
No phone tag, no dealership-style pressure. You stay in control the whole way through.
Tell us where you drive
Rates are set state by state and even ZIP by ZIP. Your ZIP code is where every accurate quote starts.
Answer a few quick questions
Your vehicle, your driving history, and the coverage you actually want. Most drivers finish in a couple of minutes.
Compare and choose
Review your options side by side and continue with the one that fits. Nothing is bought until you say so.
Compare the coverage behind the price, and ask about every discount
- Liability
- Collision
- Comprehensive
- Uninsured motorist
- Medical payments / PIP
- Roadside and rental
- Multi-policy
- Safe driver
- Low mileage
- Good student
- Paid in full
- Telematics
Coverage
Know what you are comparing
The cheapest premium is not always the cheapest year. Here is what sits behind the number.
01 / 06
Required in nearly every state
Liability
Pays for injury and property damage you cause to others. Required in nearly every state, and the minimum is often far below what a serious accident costs.
02 / 06
Usually required if financed or leased
Collision
Repairs or replaces your own car after a crash, whoever was at fault. Usually required while you are financing or leasing.
03 / 06
Optional
Comprehensive
Covers the damage that has nothing to do with driving: theft, hail, flood, fire, falling branches, a cracked windshield.
04 / 06
Required in some states
Uninsured motorist
Steps in when the driver who hit you has no insurance or not enough of it. Often the cheapest meaningful coverage on the page.
05 / 06
Required in some states
Medical payments / PIP
Helps with medical bills for you and your passengers after an accident, regardless of fault. Required in some states.
06 / 06
Optional add-on
Roadside and rental
Towing, jump starts, lockouts, and a car to drive while yours is in the shop. Small add-ons that decide how a bad day goes.
Not your average quote hunt
The same questions, asked once instead of once per insurer.
| Shopping on your own | With Guardian Car Coverage | |
|---|---|---|
| Forms to fill out | Shopping on your ownThe same form on every insurer's website | With Guardian Car CoverageOne set of questions |
| Time it takes | Shopping on your ownAn evening of tabs and phone calls | With Guardian Car CoverageAbout two minutes to answer |
| Seeing your options | Shopping on your ownOne quote at a time, in different formats | With Guardian Car CoverageSide by side, in one place |
| Cost to compare | Shopping on your ownFree, but slow | With Guardian Car CoverageFree |
Same driver, same car, very different prices
Every insurer weighs risk with its own formula. Two carriers can look at the identical driver and land hundreds of dollars apart, which is exactly why a single quote tells you nothing about what you should be paying.
Life changes move the number
Moving, a new car, a shorter commute, a birthday, an accident dropping off your record, adding a driver: each one can reshuffle who is cheapest for you.
Discounts are not automatic
Multi-policy, safe driver, low mileage, good student, paid-in-full, telematics. You generally get them by asking for them, not by waiting.
One search, many carriers
Instead of filling out the same form on six different websites, you answer once and see what the market says.
Straight answers before you start
How much does this cost?
Nothing. Comparing quotes here is free. If you buy a policy, you buy it from the insurer at the insurer's price.
How long does it take?
Most drivers get through the questions in about two minutes. Having your current declarations page and your VIN nearby makes it faster and more accurate.
Can I switch before my current policy ends?
In most cases yes, and any unused premium is typically refunded. Start the new policy before you cancel the old one so you are never uninsured, even for a day.
Who are you, exactly?
We are an independent comparison and referral service, not an insurance company. We do not issue policies, set prices, or decide claims. We connect you with licensed insurers and agents who do.
What happens to my information?
It is used to match you with insurers and agents who can quote your situation, as described in our privacy policy. Read it before you start if you would like the details.
See what you could be payinginstead.
Rates change constantly. Checking costs you two minutes and nothing else.