Clear Answers About Car Insurance

Plain-English guides to coverage, claims and insurance company policies, with links to the sources behind them. When you're ready to shop, compare quotes for free.

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How RateFrog Can Help

Prices for the same coverage can differ between insurance companies, which is why the National Association of Insurance Commissioners recommends shopping around. Policies that look alike can also cover different things. RateFrog helps you understand what you're buying before you compare prices.

Plain-English Guides

Articles on coverage, claims and insurance companies' own rules, with links to sources such as insurers' policy pages and state insurance departments.

Free Quote Comparison

Compare prices with Insurance Panda's free quote tool. There's no obligation to buy, and your final price always comes from the insurer.

How We Make Money

RateFrog is free to use. We may earn money when you request quotes through our links, and RateFrog and Insurance Panda share an owner.

Start With These Guides

New to car insurance, or checking what your policy covers? These are good places to start.

Types of Car Insurance

What liability, collision, comprehensive and other common coverages pay for. Read the guide

How to Compare Quotes

What to have ready, how to compare policies fairly and what to check besides price. Read the guide

Browse All Guides

Every RateFrog article, including detailed answers about GEICO and Allstate policies. See all guides

Common Questions About RateFrog

How RateFrog works, how we make money and what happens when you request quotes. Have another question? Contact us.

What is RateFrog?

RateFrog is a free website that explains car insurance in plain English. We publish guides on coverage, claims and individual insurance companies' policies, and we link to a quote tool if you want to compare prices. RateFrog is not an insurance company and doesn't sell insurance.

Who runs RateFrog?

RateFrog is run by James Shaffer, who founded Insurance Panda and has worked in the auto insurance industry since 2012. Our guides link to the sources behind their key facts, such as insurers' own pages and state insurance departments. Read more about us.

How does RateFrog make money?

RateFrog is free to use. We may earn money when you request quotes through links on our site. The quote tool we link to belongs to Insurance Panda, which shares an owner with RateFrog.

What happens when I request quotes?

You'll answer a few questions in Insurance Panda's free quote tool, which shows options from insurers that serve your area. What's available depends on your state, vehicle and driving profile, and you may be contacted about quotes. You don't have to buy anything.

Are the quotes I see final?

No. A quote is based on the information you provide. The insurer sets your final price after reviewing details such as your driving record, claims history and vehicle, and in states that allow it, a credit-based insurance score.

Will getting quotes hurt my credit score?

RateFrog doesn't check your credit. When an insurer checks your credit for a quote, it's generally treated as a soft inquiry, which doesn't affect your credit score. Some states limit or ban the use of credit information in pricing car insurance.

Can I buy a policy through RateFrog?

No. You buy a policy directly from an insurance company or a licensed agent. RateFrog doesn't sell insurance, collect payments or handle claims.

How often should I compare car insurance quotes?

Many drivers compare quotes a few weeks before their policy renews and again after a big change, such as moving, buying a car, getting married or adding a teen driver. Insurers weigh these changes differently, so the company that was cheapest last year may not be now.

Is my personal information safe?

You can read RateFrog without giving us any personal information. If you request quotes, you'll enter your details in Insurance Panda's quote tool, and its privacy policy explains how that information is used and shared. Our privacy policy covers this website.

RateFrog is not an insurance company and does not sell insurance. Quotes and prices come from insurers and depend on your information and the coverage you choose. RateFrog may earn money when you request quotes through our links, and RateFrog and Insurance Panda share an owner.

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