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How Rate Retriever works

We make shopping for insurance a walk in the park. Use our free tool to compare a comprehensive list of insurance companies tailored to your individual needs.

How our tools work​

Every insurance company has a different way of assigning rates based on your driver profile. When you take our quiz, you’re building a driver profile that we use to estimate the price you can expect to pay at top car insurance companies in your state.  

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1. Tell us about yourself

Start by answering a few basic questions about what you need to insure — your car, home, or property. We don’t ask for your contact information, so you can explore your options without worrying about getting bombarded by calls or emails.

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2. We search for your best options

Our advanced system analyzes your information and searches through a wide range of insurance providers to find the best options for you. This includes big-name companies and smaller ones you might not know about—all designed to offer the right coverage for your needs. We don’t just focus on price; we look at what fits your situation best.

3. Compare and get covered quickly

After choosing your policy, we’ll help guide you through the final steps to get your coverage in place. It’s quick, simple, and stress-free.

Rate Retriever dog helping consumer

How our tools work

We believe in making insurance shopping simple and tailored to your needs. Here’s how our platform works in a few easy steps:

1. Tell us about yourself

Start by answering a few basic questions about what you need to insure — your car, home, or property. We don’t ask for your contact information, so you can explore your options without worrying about getting hounded by calls or emails.

2. We search for your best options

Our advanced system analyzes your information and searches through a wide range of insurance providers to find the best options for you. This includes big-name companies and smaller ones you might not know about—all designed to offer the right coverage for your needs.

3. Compare and get covered quickly

After choosing your policy, we’ll help guide you through the final steps to get your coverage in place. It’s quick, simple, and stress-free.

How we calculate our rates

Insurance companies assign rates to drivers based on their unique rating plans. These plans must be submitted to the state department of insurance to ensure they are fair, affordable, and meet all state regulations.

We use this rating data along with any available discounts to calculate the rate you can expect to pay for leading insurance companies in your area. 

Read more about how we calculate rates >

How Rate Retriever is different

Rate Retriever Other comparison sites
Connects you with the provider you choose
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No email or phone number required
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Rates for all top companies in your state
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Accurate rates verified with state-approved rating plans
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Results not limited to companies with paid sponsorships
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Option to purchase a policy through them --
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How do we make money?

We may earn a commission from our insurance provider partners when you click on our links, place a phone call, or purchase a policy from one of the providers listed on our site. These commissions are how we keep our tools free for you to use and free from spam. Our commission will not affect the price you pay for an insurance policy. 

Learn more >