How to shop for car insurance online

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November 6, 2026 / 2:27 PM EST / CBS News

Shopping for car insurance used to mean calling multiple insurance agents, answering the same questions repeatedly and waiting for quotes to arrive. Today, drivers can compare policies from several insurers without picking up the phone. But while the car insurance comparison process has become more convenient, finding the right coverage at the right price isn't necessarily as simple as plugging in your information and then choosing the cheapest online quote.

After all, car insurance rates can vary significantly from one company to another, even when drivers provide identical information. That's because insurers use different formulas to assess risk, and factors like your driving record, location, vehicle and coverage selections can all affect what you're quoted. That means a car insurance policy that looks like a bargain at first glance may not offer the same protection as a slightly more expensive option.

And with the new year rapidly approaching, this could be a good opportunity to review what you're paying and whether another car insurer could offer a better deal. Shopping…

Original source: https://www.cbsnews.com/moneywatch/