Introduction: Don’t Get Pricey —
Buying the right home and auto insurance is one of the most important financial moves you’ll make—but most people skip it. They grab the first quote they see, assume it’s good enough, or skip the process because they feel it’s too much.
Result?
Pay more. Guarantee. Find out later.
Whether you’re a homeowner, a driver, or both, the right policy does more than protect your belongings—it protects your peace of mind. But to get the right policy, you need to know what’s behind that quote.
This guide will break it all down:
- Get the right coverage.
- Pay the right price.
- You have to protect yourself when it really counts.
If you’re thinking about comparing quotes or bundling, read this before you click “Buy.”
Why Insurance Quotes Can Be Misleading—and What to Watch Out For
Let’s be honest. Most people search for insurance by Googling “cheap home and auto quotes,” pick the lowest number, and then point your finger.
But here’s the truth:
a low quote doesn’t necessarily mean a good deal.
Prices depend on the following:
- Coverage type and limitations
- Deductions
- Discounts (or lack thereof)
- Your location, credit, and claim history
Two quotes at the same price may offer different protection.
💡 It’s not about the price, it’s about the value you get.
What is a home and auto insurance quote?
A quote is a price estimate from an insurance company based on your risk profile and the coverage you request. You can get quotes:
- Online (comparison sites or directly from insurers)
- I called the agent.
- In person (rare these days)
Quotes are non-binding — they are not contracts. You can shop around, make changes, and walk away if they are not right. When you accept and pay for a quote, it becomes a policy.
What information do I need to get a quote?
The more specific your information, the more accurate your quote will be—and the better your chances of finding savings.
Auto insurance information:
- Driver’s license number(s)
- Vehicle make, model, year, or VIN
- Usage (travel, personal, business)
- Estimated annual mileage
- Address and zip code
- Driving record (claims, tickets, accidents)
Home insurance information:
- Address and post office
- Two square feet,
- Roofing and building materials
- Safety features (smoke alarms, security systems, etc.)
- Distance to the nearest fire hydrant or fire truck
- Claim history
✅ Providing complete information allows you to get the most accurate price and coverage comparisons.
What coverage should be included in your quote?
Auto insurance
| Coverage type | What does it cover? |
| Responsibility, | Harming/harming others. |
| Stay | A car accident damages your car. |
| Wide and spacious | Theft, weather, vandalism, animals, etc. |
| Uninsured motorist | Accidents involving uninsured or underinsured drivers |
| Medical Payments/PIP | Medical bills for you and your passengers |
| Extras | Roadside assistance, rental reimbursement |
Home insurance:
| Coverage type | What does it cover? |
| His place, | Repair/reconstruction to the structure of your home. |
| Personal property | Items in your home (furniture, electrical appliances) |
| Responsibility, | Medical/legal costs if someone is injured |
| Loss of use. | Living expenses if your home is not comfortable |
| Other structures | Garages, yards, fences |
| Add-ons | Floods, earthquakes, identity theft, mold, etc. |
🛑 Tip: Not all quotes include every type of coverage. Read carefully and adjust as needed.
Should you combine your home and auto insurance?
Yes – if you want to save money.
Bundling = Up to 30% off
| the company | Average bundle discount |
| Progressive | Up to 24% |
| Allstate | Up to 25% |
| GEICO | Up to 23% |
| State Farm | Up to 17% |
| Freedom and reciprocity | Up to 20% |
Group Benefits:
- I’ll give you just one.
- An expiration date
- Streamlines the claims process.
- Loyalty discounts over time
✅ You can still compare quotes from different companies, but bundling often gives you the best overall deal.
Where can I get online prices?
| Platform | Strength | Ideal |
| Zebra | 100+ real-time quotes | Quick side-by-side shopping |
| Policy genius | Licensed agents, easy-to-use tools | New or switching buyers |
| Please provide insurance. | AI-driven quote personalization. | Smart savers |
| Compare.com | Easy visual comparisons | Budget-conscious shoppers |
| Gabi | Pull your current policy to find savings. | Busy professionals |
🔒 These websites use encryption and only work with licensed US insurers.
Be on the lookout for red flag references.
- Very low premiums, very little coverage.
- Collision or widespread disappearance.
- Sky-High Deductibles for Small Savings
- Bundle Discount is not applied.
- Hidden Fees in the Fine Print
Questions to ask before clicking “Buy”
- What is the request process like?
- Is this policy actually cash value or replacement cost?
- How much personal property is covered?
- Can I change my deductible or limits?
- Are you forgetting about discounts (paperless, safe driver, etc.)?
💬 Bonus tip: Call or chat with customer service before you buy. Test how easy they are to reach.
When should you repurchase insurance?
Even after you have insurance, it’s smart to get new quotes every 6-12 months—especially if:
- You are moving to a new address.
- You buy or sell a car.
- Repair your house.
- Are you getting married or having children?
- You have been free of requests for a long time.
- Your policy is up for renewal.
Final Thoughts: Don’t Look at the Price—Look at the Protection
A quote should do more than just show you a number. It should help you understand how protected you are and where you can save without compromising on quality.
Before you buy, make sure to:
✅ Use a trusted comparison tool
✅ Check and customize your coverage
✅ Bundle for maximum savings
✅ Understand what’s included
✅ Re-purchase annually, even if you’re happy.
✅ Ready to Compare and Save on Smart Quotes?
Start with one of these trusted platforms.
- 🔗 Zebra – Fast and real-time quotes
- 🔗 Policygenius – Useful Tools + Licensed Agents
- 🔗 Guaranteed – AI-powered, personalized quotes
No spam. No phone calls. Just coverage at the right price.
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