How Experian’s Auto Insurance Comparison Tool Works

A family of four is looking out their window with the dad and mom in the front seat while their two sons smile and wave hello to the camera.

If you'd like to shop for rates and save more on your auto insurance premiums, consider trying Experian's auto insurance comparison tool, which can compare quotes and find lower rates for the coverage you carry.

By leveraging the comparison tool's unique technology, you can get personalized auto or homeowners insurance quotes within minutes―instead of spending hours to find them on your own. Here's how it works.

What Is Experian's Auto Insurance Comparison Tool?

As part of Experian's marketplace, this comparison tool helps consumers compare auto and home insurance rates by providing quotes from more than 40 top insurers.

The comparison tool is completely free to use, whether you use it to compare rates or switch to a new provider. It uses innovative technology to allow users to compare rates in minutes by following a few simple steps.

How to Get Lower Insurance Rates With Experian

Experian's auto insurance comparison tool does the hard work of finding comparable coverage, getting personalized quotes and arranging policies for comparison—all in a matter of minutes. To get started, go to Experian's rate comparison page and complete the following steps:

1. Provide Information on Your Current Policy

Experian's auto insurance comparison tool needs some information to get started, which you can provide by directly logging in to your insurance account through the tool to access policy information or uploading a digital copy of your policy.

To upload your current policy information, find your "declarations page" (also known as the information page or dec page) containing the details of your current coverage. Experian's auto insurance comparison tool will need access to this information to find comparable policies that provide the same coverage.

To get matched with personalized auto insurance quotes, you'll also need to provide the following:

  • The vehicles you plan to insure, including make and model
  • Drivers on the policy
  • Information that may qualify you for discounts
  • Driving history

2. Choose the Policy

Based on the information you provide, the comparison tool can show you quotes from more than 40 top insurers. You can then compare prices and policy details to choose the one you want. You'll get your results in minutes—unless information needs to be confirmed manually, which may take up to 48 hours.

Experian's auto insurance comparison tool provides personalized insurance matches based on apples-to-apples comparisons, which means you won't be offered a policy that provides less coverage just to show a lower price.

Experian will finalize your quote with some additional car and driver information and confirm the rate with your new insurer so you'll be ready to complete the swap.

3. Swap With Experian's Help

Once you choose the policy you want, you can let Experian do the rest. Experian will open your new policy, cancel your previous policy and request a partial, prorated refund from the old plan.

The comparison tool will collect payment information to forward to your new insurance company, but it does not collect any fees for itself.

Check Your Rates

Experian's auto insurance comparison tool is a no-commitment, free service, meaning in just a few minutes you can check your rates without risk or hassle. Check out Experian's auto insurance comparison tool today to find out whether you can pay less for insurance.