How to compare car insurance quotes

Same driver, same cover, very different prices. Here is how to gather your details and compare car insurance quotes the right way.

By the InsuranU team Updated July 20266 min read

Prices for the same driver and the same cover can differ by hundreds of dollars between insurers. Comparing properly is the single biggest lever U have on price.

Compare like for like

A cheaper quote is not cheaper if it carries lower limits or a higher deductible. Set the same coverages, the same limits, and the same deductible across every quote, then compare the price. Otherwise you are comparing different products.

Look past the headline price

The lowest premium is not always the best deal. Check the deductible, the discounts applied, and how the insurer handles claims. A slightly higher price with strong claims service can be worth far more the day you need it.

Where to get quotes

You can go direct to each insurer, use an agent, or compare through a matching service like InsuranU that lines up several options from one short form. Aim for at least three quotes before you decide.