Tools

Free calculators and checklists for drivers: coverage, deductibles, total losses, gap, quotes and more. They run in your browser and store nothing.

Claims

After-accident checklist and information form A step-by-step checklist for the scene of a car accident and a form for the details to exchange, which you can print or keep on your phone. Should I file a claim? calculator Compare what an insurance claim would pay with what a possible premium increase could cost over the following years, using your own numbers. Total loss payout estimator Estimate a total-loss settlement, what goes to your lender, and whether you would still owe money on a totaled car.

Saving Money

Car insurance quote comparison worksheet Line up quotes from several insurers, annualize the prices and flag where coverage differs, so you compare like with like before you switch. Pay in full vs monthly calculator Turn the extra cost of paying car insurance monthly — higher totals and installment fees — into an equivalent interest rate you can judge. Pay-per-mile break-even calculator Find the monthly mileage at which a pay-per-mile policy costs the same as a traditional one, using the base rate and per-mile rate from real quotes.

Insurers

Compare auto insurers side by side Pick up to three of the 100 largest U.S. auto insurers to compare their size, financial strength, customer ratings, contacts and programs.

Coverage Explained

Deductible break-even calculator Compare two deductibles: what the higher one saves each year, what it costs when you claim, and how many claim-free years it takes to break even. Gap insurance calculator Chart your loan balance against the car's falling value to see how long you would owe more than it is worth — the window gap insurance covers. How much car insurance do I need? A starting point for your limits and options, from liability to gap and rental, built from common rules of thumb and your state's minimums. Liability limits decoder Type limits like 50/100/25 to see what each number means and test them against a crash you cause — including how much would be left for you to pay. Should I drop full coverage? calculator Weigh what collision and comprehensive cost each year against the most they could ever pay on an older car, using the 10% rule of thumb.

Rates and Premiums

Renewal rate increase checker See how much your car insurance renewal went up per year and per month, separate your own changes from a rate increase, and get a list of next steps.

Laws and Regulation

State car insurance requirements lookup Minimum car insurance, fault rules, PIP and uninsured motorist requirements and the regulator's hotline for any state, or two states side by side.

Every tool runs in your browser. Nothing you type is sent to or stored by this site.