Auto Web Quote is a free online tool that allows you to compare auto insurance rates in minutes. The policy aggregator connects users with some of the top companies on the market, including Progressive, Allstate, MetLife, and Esurance, among many others. The company’s website also features tons of tips and information about how to find the right insurance for you. Rating Overview Overall: 4.0 Comparison Options: 4.0 Customer Service: 4.0 Background Hosted at autowebquote.com, Auto Web Quote’s aim is “to provide a hassle and stress free way to find the best deals on auto insurance.” The company notes that it is not a licensed insurance provider and does not provide quotes directly to users, but rather matches them with insurance companies that fit their profile. Some of the insurance providers that the site links to include Allstate, Liberty Mutual, MetLife, Mercury, State Farm, Esurance, Progressive, and Farmers. In addition to the rate comparison tool, Auto Web Quote also provides information on a range of insurance-related topics, including frequently asked questions about how to obtain coverage and step-by-step guides to understanding the market. How It Works Auto Web Quote is completely free, and anyone can fill out their online form and get connected to an insurance provider in seconds. Like other insurance comparison sites, the company uses proprietary software and partnerships with dozens of companies to match consumers with pre-qualified providers in real-time. To begin, users input a series of other details about their vehicle and background on the site’s homepage. Some of the information that the company asks for includes: Your first name and last name Your address and date of birth Potential policy discounts, including for homeowners, married drivers, or drivers who have not had a DUI or accident within the last five years Your email and phone number From there, Auto Web Quote checks this information against its database of partner providers and automatically returns a list of companies based on your eligibility and needs. The site does not provide quotes directly to consumers, which means you’ll have to continue on to the insurance provider’s website to get a full rate, which may vary based on your coverage limits, deductibles, driving history, education, occupation, type of vehicle, and location, among other factors. The whole process takes less than a minute, and while the service is more limited than other, more comprehensive rate comparison sites out there, it’s still helpful in narrowing down your choices and getting you on the right track to new auto insurance. Ways To Compare Auto Web Quote offers a couple ways to compare auto insurance options. After completing the online form, users can then go ahead and vet policies of individual providers, which may vary based on location, eligibility, discount opportunity, and insurance type. Those types are also explained on the site’s homepage, which offers definitions like: Liability — If you meet an accident and you are at fault, liability coverage pays for the medical bills and vehicle repairs of the third party. This type of insurance does not cover your medical bills and repair cost of your car. Comprehensive — Comprehensive insurance covers the damages not caused by collisions or accidents. In a case of theft or flood or a natural disaster, comprehensive insurance protects you. Generally, comprehensive insurance is purchased along with collision insurance. Collision — Collision insurance pays for the cost of vehicle repair or replacement of the vehicle. It subtracts the amount of your deductible. The deductible amount is the sum you will have to pay out of your pocket in case of a collision. Uninsured/underinsured motorist property damage — UM covers your medical bills while UIM helps to cover your medical expenses when they exceed the other driver’s liability cover. Medical payments and personal injury — Personal injury protection covers your medical expenses due to an accident regardless of fault. This type of insurance can provide payments for lost income due to an accident, child care costs and funeral expenses as well. Towing and roadside assistance — Towing and labor insurance pays the cost of towing the car to a repair shop if it cannot be driven. Gap — Gap insurance covers the losses that may arise when the compensation received after the vehicle damage does not cover the amount entirely, insured owes on the financing. Rental reimbursement — Rental reimbursement insurance pays for the cost of a rental car after your vehicle meets an accident or suffers damages covered under your insurance policy. The rental cost of the car you use until your car gets repaired is reimbursed under this type of insurance. Classic car — Classic car insurance covers your collectible vehicle at a value that you and the insurance company both agree. Before or after filling out the comparison form, users can also read about finding insurance, changing insurance, and how insurance companies go about determining your premiums via the site’s “Auto Insurance Library” and FAQ pages. Benefits Of Using An Insurance Comparison Site There are literally hundreds of auto insurance providers out there, each with their own coverage offerings, discount options, and metrics for determining premiums for individual customers. Add to that a litany of other rules and requirements that may vary from driver to driver and state to state, and it all makes choosing the right policy an almost mind-bogglingly difficult task. This is where insurance comparison sites come in. Much like aggregation sites in other industries, such as KAYAK.com for flights or Trivago.com for hotels, these online tools aren’t insurance providers in and of themselves; rather, they round up the best options on the market and help you tailor your search to fit your needs, thereby greatly simplify the process of finding insurance. Sites like The Zebra and InsureMyCarNow let users search dozens of partner providers at the same, offer tips and advice on how to pick the right insurance, and keep professional agents on standby to help guide them through the process. Most are free to use, too, though you may get inquiries from the companies’ partner providers after signing up. Auto Web Quote represents one of the more quick and convenient comparison sites out there today. Completing the company’s online form is faster than is the case with other aggregator sites in the business, and requires few personal details from the user, so you don’t have to worry about privacy. On the other hand, the process is also less comprehensive, which means the results are less thorough — users will only get the names and homepage links of insurance companies that fit their profile, forcing you to visit each individual site to get an accurate quote. Other Tools & Tips Aside from the rate comparison tool, Auto Web Quote is home to plenty of information that drivers will find useful in their search for new insurance. In particular, the company’s Auto Insurance Library page features some important tips about finding discounts, which will help reduce your overall premium and save you money. It also offers details for making sense of your insurance policy, breaking down such dense terms as declarations, coverage limits, exemptions and other legal definitions.