Getting a car insurance quote can be a simple process if you are prepared. You can get a free estimate of what you’ll pay for the coverage you choose, but you’ll need basic personal details like vehicle information and your coverage preferences. The process usually takes about 10–20 minutes, especially with Kemper Auto’s easy online tools or by speaking with a Spanish and English bilingual agent near you.
Getting car insurance for the first time, or even switching policies, can feel confusing. But it doesn’t have to be. If you have the right information ready, the process is straightforward. And if you’re balancing a family, a business, and a budget, the goal is simple: find coverage that protects you without overpaying.
This guide walks you through what you may expect, step by step.
Before you start, it helps to know what you need for car insurance so you don’t waste time going back and forth. Here’s a clear checklist.
What information do you need for car insurance? You’ll need to provider your:
Full name, date of birth, and home address
Driver’s license number and state
Social Security number (in some cases, for identity or credit-based checks)
If you don’t have a U.S. license, Kemper Auto can help. We may accept:
A matrícula consular
Foreign driver’s license
Valid passports
This covers what you need for auto insurance:
Your car’s year, make, and model
Trim level (if known)
Vehicle Identification Number (VIN)
Estimated annual mileage and current mileage
Ownership status (owned, financed, or leased)
Any accidents or tickets in the past 3–5 years
Years of driving experience
Even if your record isn’t perfect, you may still qualify to get coverage. Some companies, like Kemper, specialize in helping drivers with limited or complicated histories.
Current insurance company
Policy number
Coverage types and limits
Types of coverage you want, like collision coverage and comprehensive coverage
Deductible amount you’re comfortable with
Having all this ready can save you time and help you get a more accurate quote.
Now let’s walk through the steps to get a car insurance quote.
Use the checklist above. This is the part most people rush, and it leads to inaccurate quotes.
Decide what kind of protection you want. If you’re unsure, an agent can explain your options so that you can make the best decision for your budget.
You can:
Call an agent near you at 800-782-1020
Visit a local broker
Make sure you’re comparing the same:
Coverage types
Limits
Deductibles
Otherwise, a cheaper quote may not actually be better.
Once you choose a quote, you’ll:
Confirm your details
Provide any required documents
Make your first payment
And you’re insured!
Time estimate: Each quote may take about 10–20 minutes.
Important: Always give accurate information. If something is wrong, your final price can change later.
Before choosing a policy, it helps to understand what you’re paying for.
Liability Coverage - Required in most states. Covers damage or injuries you cause to others in a covered accident.
Comprehensive Coverage - Is used for covered events like theft, vandalism, weather damage, or hitting an animal.
Collision Coverage - Is used to help pay for damage to your own vehicle after a covered accident.
Personal Injury Protection (PIP) - Helps pay medical expenses, no matter who caused the accident.
Uninsured/Underinsured Motorist Coverage - Protects you if the other driver doesn’t have enough insurance.
Each state has minimum requirements, but those minimums are not always enough, especially if you rely on your car for work or family needs.
A deductible is what you pay out of pocket before insurance helps to pay for the damage. Common options:
$250
$500
$1,000
How it works:
Higher deductible = lower monthly payment
Lower deductible = higher monthly payment
If you’re trying to save monthly, a higher deductible may help, but only if you’re prepared to pay more in an emergency.
This is where many people make mistakes. When comparing quotes, focus on:
Same coverage limits
Same deductible amounts
Same types of coverage
Factors That Affect Your Quote
Your price isn’t random. Insurance companies look at several factors:
Driving history
Age and experience
Location
Type of vehicle
Annual mileage
Credit-based factors (in some states)
Coverage choices
If you’re new to driving in the U.S. or don’t have a long history, your rate may be higher at first. Over time, safe driving can help bring it down.
If saving money is a priority, these steps help:
Ask about discounts (multi-car, safe driver, etc.)
Choose a higher deductible if it fits your budget
Avoid gaps in coverage
Keep a clean driving record
Review your policy every year
And don’t be afraid to ask questions. A good agent will explain your options clearly. Get your free car insurance quote today! It only takes a few minutes to see your options and pricing.
These are common—and they can cost you.
Giving incorrect information - This can change your final price or delay your policy.
Comparing different coverages - A lower price may mean less protection.
Choosing only based on price - Cheap coverage may not help when you need it.
Leaving out drivers or vehicles - This can cause issues later, especially during a claim.
Letting coverage lapse - Even a short gap can increase your future rates.
Kemper is built for drivers who may not fit the standard profile. Here’s what sets us apart:
Over 100 years of experience
A+ rating from BBB
More than 24,000 agents and brokers nationwide
Strong support for drivers with limited or complex histories
SR-22 and FR-44 filing available
Acceptance of alternative IDs (matrícula consular, foreign licenses, passports)
Start your quote now and compare plans. Choose the protection your family and business can rely on.
A quote helps you understand how much you’ll pay and what coverage you’ll receive. It also allows you to compare options and find something that fits your budget and needs.
Car insurance quotes are free. There is no obligation to buy. The price you’re quoted depends on your personal details, vehicle, and coverage choices.
Both options work. Online quotes are faster and more convenient. Speaking with an agent by phone or in person can help if you want guidance.
Quotes are only as accurate as the information you provide. Final pricing may change after checks like driving records or credit (where allowed). Providing complete and correct information helps avoid surprises.
Most quotes are valid for 30 to 60 days. After that, rates may change based on market conditions or updates to your information.
Yes. You can still get a quote and coverage. Kemper Auto specializes in working with drivers who have accidents, violations, or need SR-22 filings.
You review your options, compare coverage, and ask about discounts. Once you choose a policy, you provide any needed documents and make your first payment to activate coverage.
Getting a car insurance quote is a straightforward process. With the right information, it may take less than 20 minutes and give you a clear idea of your options.
If you’re ready, the next step is simple: start a quote or speak with an agent near you. A quick conversation can help you find coverage that fits your budget and can give you peace of mind on the road.