Introduction: Insurance doesn’t have to be complicated—or if you’re looking for an expensive
home and car insurance quote, you may be in one of these situations:
- You bought a car or a house.
- Want to reduce your premium?
- You are not satisfied with your current service provider.
- Or are you simply being smart with your money?
Whatever brought you here, you are in the right place.
Getting a free quote online is faster, easier, and more accurate than ever before. When done right, it can help you:
- Save hundreds every year.
- Bundle coverage and unlock up to 30% off on discounts.
- Customize your policy based on your actual needs.
- Get same-day coverage from your phone or laptop.
You’re wondering, “Where can I get free home and car insurance?” This guide walks you through every step, tool, and trick to compare quotes and start saving today.
What is a home and auto insurance quote?
Let’s break it down. A quote is an estimate of the amount you will pay for insurance. It is:
- Your personal information (age, address, driving record)
- The value and risk of your home and car
- The coverage you want
- Available discounts (safe driver, loyalty, bundle, etc.)
Getting a quote is completely free and doesn’t lock you into anything. It’s fast, easy and gives you the power to compare.
Why you should always get a quote before buying or renewing —
Many people stick with the same insurance company for years, even when their premiums increase.
That’s wrong. Here’s why.
| Reason for getting a quote | Why is it important? |
| Prices change annually. | Even with the same information, your costs may go up/down. |
| You may be paying more. | Loyalty does not equal better pricing. |
| New discounts are appearing. | Like paperless billing or bulk. |
| Life changes are inevitable. | Marriage, moving, renovation, new car, etc. |
| Insurances have different risk rates. | One company’s expensive may be another’s cheap. |
💡 Smart consumers compare quotes every 6-12 months or when their lifestyle changes.
Step-by-step: How to get a free home and auto insurance quote online
Step 1: Choose a trusted comparison platform
Skip the phone calls and use one of these secure, licensed quote tools:
| Platform | Features | Ideal |
| Zebra | 100+ real-time quotes, no spam calls. | Quick shopping. |
| Policy genius | Licensed agents + tailored recommendations | First-time buyers or groups |
| Please provide insurance. | AI-based quote matching. | Tech-savvy shoppers |
| Compare.com | Side-by-side market view | Budget-focused users |
| Gabi | Compare it to your current policy. | Busy users are ready to switch. |
🔒 All platforms use bank-grade encryption and only connect to approved US insurers.
Step 2: Enter your information.
To get the most accurate quote, you need:
- Name, address, date of birth
- Email and phone number
- Driver’s license number
- Car information (year, make, model, or VIN)
- House details (year built, type, square footage, roof type, etc.)
- Current insurance (if any)
📌 The more accurate the information, the better the quote.
Step 3: Compare your quotes—
you’ll get real-time quotes from top names, side-by-side, in seconds:
- GEICO
- Progressive
- Allstate
- Freedom and reciprocity
- State Farm
- Tourists
- Nationwide
- Farmer
Each quote is:
- Monthly premium
- Deductible options
- Limitations of liability
- Optional coverages (roadside, rental, flood, etc.)
- Discounts in batches (if Home + Auto is selected)
Price changes—You can easily view coverage levels to increase deductibles, change liability limits, or switch add-ons.
Once you have found the best deal to choose your policy and apply online, you can:
- Use the comparison tool directly or
- Get redirected to the insurer’s website.
Most insurers allow you to:
- Pay online.
- Get instant proof of insurance.
- Download their app for claims and account access.
🕒 Less than 10 minutes to get started.
Bundling = Bigger Savings
Bundling your home and auto insurance with the same company can save you up to 30%.
| Tanai | Bulk discount |
| Progressive | Up to 24% |
| GEICO | Up to 25% |
| Freedom and reciprocity | Up to 22% |
| Allstate | Up to 25% |
| State Farm | Up to 17% |
Benefits of integration
- I’ll give you just one.
- An expiration date
- There are fewer gaps in coverage.
- A claim process
- In some cases, a single deduction is possible.
✅ Make sure you use the multi-policy discount before you buy.
What is a “good” quote?
Look beyond price. A good quote should offer:
- Strong liability coverage ($100k/300k+ for auto, $300k+ for home)
- Replacement cost (not just market value)
- Protection from theft, natural disasters, and robbery.
- Deductions you can actually afford
- A service provider that provides strong customer service and claims review.
Use these tools to research:
- AM Best (Financial Strength)
- JD Power (Customer Satisfaction)
- BBB and Google Reviews (User Experiences)
Watch out for these red flags:
❌ Low premiums with high deductibles
❌ Missing important coverages (like collision or comprehensive)
❌ Teaser quotes that change later
❌ No bundled options — meaning higher overall costs
FAQs: Free Insurance Quotes
Q: Do I have to buy right away?
A: No! Quotes are free and without obligation.
Q: Will this hurt my credit?
A: No. These platforms use soft inquiries—your credit is safe.
Q: Can I change if I already have insurance?
A: Absolutely. You can cancel your current policy and get a prorated refund.
Q: Is it safe to enter my information online?
A: Yes – only use secure and licensed platforms like The Zebra or Policygenius.
Q: How often should I compare quotes?
A: Every 6-12 months or as you:
- Move.
- Buy or sell a car.
- Renovate your house.
- Add a new driver.
- Get married.
Final Thoughts: Start Saving—Free
You don’t have to wait for your policy to renew to take control of your coverage. The sooner you can compare quotes, the better.
- Stop overpaying.
- Upgrade your coverage.
- Unlock valuable bundle discounts.
- Protect what matters without breaking the bank.
✅ Ready to get free home and auto insurance?
Get started with one of these trusted platforms
– 🔹 Zebra – Compare 100+ quotes in real time
. Policygenius – Trusted bundles,
no sales calls 🔹. Insurify – Smart AI-powered quote and matching.
No pressure. No spam. Just real savings — fast.
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