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ZIP code, vehicle, and a few details about your driving. It takes about 2 minutes.
BudgetAutoRates is an online insurance referral service. We are not an insurance company, we don't sell policies, and we don't represent any specific carrier. Our job is simpler: take your basic details, match you with insurance companies and licensed agents competing for your business, and let you compare what comes back.
That independence is the point. Because we don't underwrite anything, we have no reason to steer you toward one carrier over another. The quote that wins is the one with the best number for your situation, and walking away is always an option.
ZIP code, vehicle, and a few details about your driving. It takes about 2 minutes.
Your details go to carriers and licensed agents in our network who serve your area and your situation.
Quotes come back side by side. Pick one, negotiate, or walk away. No obligation at any step.
Plainly: carriers and agencies pay us a commission when we connect them with a shopper. You never pay us anything. This site also contains affiliate marketing links and phone numbers, which means the operators of this site may get paid a commission on sales of the products or services advertised.
That model has one honest consequence worth knowing: we only get paid when a connection happens, so we want you to find a policy you like. But the price you pay a carrier is the same whether you arrive through us or go to them directly. Our commission comes out of their marketing budget, not your premium.
The full version of this disclosure lives in the footer of every page and in our Terms and Conditions.
Penny, Fine-Print Department. Penny is a ferret with a magnifying glass and zero tolerance for asterisks. She reads every line of every quote, ferrets out the hidden fees, and flags the clauses most shoppers find out about at claim time. Her rule: if she can't verify the real cost, the quote doesn't make the list.
Behind the mascots is a small editorial team. Our guides are written by staff writers and reviewed by a licensed property and casualty agent, and our numbers follow the process on our methodology page.