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Auto Quotes Consultation

Shopping for a new auto insurance quote? Call first.

Call our consultation line to understand what goes into a new auto quote before you choose a provider.

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Phone consultations only · Serving all 50 states · No obligation

A direct lineOne number, one conversation — just one phone call.
New quotes onlyFocused on drivers shopping for a new policy.
No obligationCalling doesn't commit you to anything. Decisions stay yours.
Why drivers call

Shopping for a new auto quote.

A new quote comes with a lot to compare. Here's what it usually involves, plus what insurance providers typically ask for, so you're prepared.

Shopping for a New Quote

Comparing auto insurance quotes is easier when you know what's being compared. We'll explain how coverage choices, limits, and deductibles affect what providers offer.

Providers typically ask for

  • Driver's license info for each driver
  • Vehicle year, make, model, and VIN
  • Garaging address and annual mileage
  • Current declarations page, if insured
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Know what you're comparing

The coverages you'll see on any new quote.

Every new auto quote is built from the same coverage types. Here's a quick overview our team can walk through with you by phone.

Coverage for Others' Injuries & Property

Generally pays toward injuries to others and damage to their property when you're found responsible for an accident. Most states require some level of it.

Coverage for Your Own Car's Damage

Typically applies to damage to your own vehicle from a crash with another vehicle or object, regardless of who is at fault, subject to your deductible.

Comprehensive Coverage

Usually covers events other than crashes, like theft, vandalism, fire, falling objects, hail, flooding, or animal strikes — again, subject to a deductible.

Uninsured / Underinsured Motorist

Designed for times when the at-fault driver has no insurance or not enough of it. Requirements and options for this coverage differ from state to state.

Medical Payments & PIP

Medical payments and personal injury protection can go toward medical costs for you and your passengers. Some states require PIP; others make it optional.

Optional Add-Ons

Many policies offer extras such as roadside assistance, rental reimbursement, or gap coverage for financed and leased vehicles. We can explain how these generally work.

What shapes auto premiums

Why two drivers can pay very different prices.

Every new quote gets priced using details like these. Knowing them explains why a quote looks the way it does, and why two quotes can differ.

Pricing is set solely by each insurance provider and varies by state and by individual. We do not guarantee any rates or savings.
  • Driving record & claims history
  • Vehicle make, model & year
  • Where the vehicle is garaged
  • Annual miles driven
  • Coverage limits selected
  • Deductible amounts
  • Drivers listed on the policy
  • Continuous coverage history
Auto insurance glossary

Common terms, decoded.

A few of the words you'll see on almost every auto policy — and the ones callers ask us about most.

Premium
The amount you pay for your policy, usually billed monthly, every six months, or annually.
Deductible
The portion you pay out of pocket on a covered claim before the policy pays. Higher deductibles often mean lower premiums, and vice versa.
Coverage Limits
The maximum a policy will pay for a covered loss. Limits for injuries to others and property damage are often shown as three numbers, such as 25/50/25.
Declarations Page
The summary page of your policy listing drivers, vehicles, coverages, limits, deductibles, and the policy period.
Full Coverage
An informal phrase that usually means coverage for others' injuries and property, plus coverage for damage to your own car and comprehensive coverage. It is not an official coverage type.
Exclusion
A situation or type of loss a policy specifically does not cover. Always check your policy documents for exclusions.
Before you call

Useful things to have nearby.

None of this is required, and you choose what to share. But when you're shopping for a new quote, a few details make the conversation more useful.

  • Your current declarations page, if you already have a policy
  • Year, make, and model of the car you're quoting
  • Basic details about each driver you want on the quote
  • The state where the vehicle is registered

Shopping for a new quote?

Talk directly with our consultation team before you choose a provider.

(888) 650-5203
Auto insurance FAQ

Common things drivers ask

How much auto insurance does my state require?
Nearly every state sets its own minimum coverage requirements, and some also require coverages such as PIP or uninsured motorist. Requirements change over time, so confirm current rules with your state's insurance or motor vehicle department. We can explain the general concepts by phone.
Is state minimum coverage enough?
Minimums are the legal floor, not a recommendation. Whether they fit your situation depends on factors like your assets, your vehicle, and whether it's financed. We can discuss what to consider, but the decision is always yours.
How do I choose a deductible?
A higher deductible usually lowers your premium but means paying more out of pocket if you file a claim. Many drivers pick an amount they could comfortably cover on short notice. We can walk through the trade-offs with you.

Shopping for a new quote? Call us directly.

Speak with the Fam Insurances consultation team about what goes into a new auto quote before you choose a provider. Just one phone call.

Call (888) 650-5203

Serving all 50 states · Phone consultations only

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