Compare premiums, limits, and extras across multiple quotes. See total cost impacts before choosing coverage. Pick the plan that fits your budget best now.
| Provider | Monthly Premium | BI (per person / per accident) | PD | Collision Ded | Comp Ded | Roadside | Rental |
|---|---|---|---|---|---|---|---|
| Alpha Mutual | $118 | 100k / 300k | 100k | $750 | $500 | Yes | Yes |
| Blue River | $104 | 50k / 100k | 50k | $1,000 | $1,000 | Yes | Yes |
| Cedar Shield | $132 | 250k / 500k | 100k | $500 | $250 | Yes | Yes |
Monthly premium is only the starting point. The calculator converts premiums to annual totals, applies discounts, then adds yearly fees and add-ons. A 6% discount on a 120 monthly plan reduces premium by 86.40 per year, but a 60 policy fee can erase most of that benefit.
Deductibles matter when claims are likely. The tool estimates expected out-of-pocket using your collision and comprehensive probabilities and the lower of deductible or average claim size. With a 6% collision probability and a 750 deductible, expected collision out-of-pocket is 45 per year. Raising the deductible to 1,000 increases expected out-of-pocket to 60, but may cut premium more than 15 per month.
Coverage strength is normalized to a 0-100 score. Liability limits are compared against reference targets, while optional protections add points for uninsured motorist, medical payments, roadside, and rental. Provider ratings translate two 0-5 inputs into a 0-20 contribution.
Value score is coverage points per unit of expected annual cost. Two quotes can have similar expected cost but different value if one improves limits or adds protections. For example, Quote A at 1,420 expected annually with a 72 score yields about 50.7. Quote B at 1,520 with an 82 score yields about 53.9, despite the higher cost. Use the chart to justify decisions.
Run scenarios by adjusting claim probabilities for your commute, parking, and weather exposure. Increase comprehensive probability if theft or hail is common. Rebalance weights to emphasize liability if you carry passengers or drive in dense traffic. Export CSV for sharing with a broker, and save a PDF for renewal comparisons.
If two providers tie on cost, review deductibles and add-ons, because a low deductible can reduce budget volatility after an accident. Also verify exclusions, claim service, and repair network access. The ranking is strongest when quotes cover identical vehicles, drivers, and mileage for the same policy term.
It combines discounted premium, annual fees, add-ons, and a probability-based estimate of deductible payments. It is a planning metric to compare quotes using the same assumptions, not a guarantee of what you will pay.
Start with a baseline, then adjust for mileage, parking, weather, and theft risk. If you are unsure, test several scenarios, such as 3% to 10% collision and 2% to 8% comprehensive, and watch how rankings change.
The tool converts your weight inputs into percentages that sum to 100. This lets you enter simple numbers like 40, 40, 20 while preserving your intended emphasis across liability limits, extras, and provider ratings.
That is exactly what the coverage score is designed to reflect. Higher liability limits and more protections increase the score, but you can increase the liability weight if those limits matter more than extra features.
Yes, as long as you convert each quote to a consistent yearly basis. If your premium is for six months, divide by 6 to get a monthly figure, then enter that monthly amount so the tool can annualize correctly.
Value score is coverage points per unit of expected annual cost. It helps surface quotes that deliver stronger limits or protections for a small cost increase. Use it alongside the cost and coverage badges for a balanced decision.
Important Note: All the Calculators listed in this site are for educational purpose only and we do not guarentee the accuracy of results. Please do consult with other sources as well.