Why Am I Getting Different Quotes for the Same Car?

Car insurance rates can vary, which is why it’s always a good idea to get multiple quotes for your vehicle. Here are some reasons why you are receiving different quotes for the same car.

Car insurance prices are based on criteria such as:

  • Your age
  • Where you live
  • Your driving history
  • Your job
  • The vehicle being insured, including its make, model and safety features
  • Your credit history


That information cannot be altered. However, the business of car insurance is competitive and relies on free market regulations. Those car insurance providers are going to entice consumers with a variety of different offers that may result in you receiving different quote ranges for the same car being insured at different companies.

If insurance company A is charging you thousands of dollars less than company B, you really need to do a side-by-side comparison of the two types of auto insurance. When you are investigating why you are getting different quote ranges for the same car, you need to check the level of coverage they are both providing. It could simply be that one policy provides more coverage than the other.

It is important to not only find the best price when choosing your auto insurance policy, but also to make sure that you are covered comfortably by your insurer. Although Insurance A may be cheap, Insurance B may actually be the better choice for you based on customer service, ratings and coverage.