Frequently asked questions

Find My Rates is a free, independent auto insurance comparison guide. We publish plain-English guides and send personalized comparison checklists that help you understand coverage and shop for car insurance more confidently.

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At least once a year, ideally about 30 days before your policy renews, and any time you have a major life change such as moving, buying a car, getting married, adding a driver, or a change to your driving record.

Insurers that use credit information for rating typically perform a soft inquiry, which does not affect your credit score. Practices vary by insurer and state, so ask each insurer if you have concerns.

It means comparing quotes with the same liability limits, deductibles, and optional coverages. Only then can you tell which offer is actually a better value.

Usually, yes. Most insurers let you cancel at any time and refund any unused premium, though some may charge a cancellation fee. Make sure your new policy starts before your old one ends to avoid a gap in coverage.

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Message frequency varies, up to 6 messages per month. Message and data rates may apply depending on your mobile plan.

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