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The apples-to-apples quote checklist

Seven things that must match before you can say one quote is cheaper.

Two quotes are only comparable when they cover the same things. Before you compare prices, line up these items.

1

Liability limits

Bodily injury per person, per accident, and property damage.

2

Deductibles

Collision and comprehensive, separately.

3

Uninsured motorist

Bodily injury and, where offered, property damage.

4

Medical coverage

PIP or medical payments, where applicable.

5

Drivers listed

Every licensed household member the insurer requires.

6

Term length

Six-month vs twelve-month prices are not comparable directly.

7

Add-ons

Rental reimbursement, roadside, gap, glass.

✓

Then compare

Price, payment fees, and the insurer's service reputation.

Watch the term

A $700 six-month premium is $1,400 a year. Convert everything to the same term before comparing.

Check the details

Look at whether the quote assumes discounts you have not confirmed, such as paperless billing or a telematics program. If a discount requires action, factor that in.

This guide is general information from AutoRateNow, not insurance, legal or financial advice. Coverage rules vary by state and insurer.