How Rate Retriever works

We make shopping for insurance a walk in the park. Our free research tool allows you to compare a comprehensive list of insurance companies tailored to your individual needs.

Our goal is to help you make an informed decision when choosing your next insurance provider.

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.

Read our spam-free promise

1. Get started

Only answer questions about factors that have the biggest impact on your rates. No phone or email required.

2. Retrieve your rates

We search our database of 214 insurance companies to match you with the top companies near you, and we’ll show you how much you can expect to pay for car insurance at each.

3. Compare and save

Compare apples-to-apples rates and choose the car insurance company that’s the best fit for you.

How our tools work

1. Quick start

Answer a minimum of 5 questions about your driver profile – keep building your profile for more accurate results. No phone or email required.

2. Retrieve your rates

We’ll show you how much you can expect to pay for car insurance at the top insurance companies in your area.

3. Compare and save

Compare apples-to-apples rate estimates and choose the car insurance company that’s the best fit for you.

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 more accurately calculate the rate you can expect to pay for leading insurance companies in your area.

An important note: we may make some general assumptions that may impact the prices you see (such as the number of traffic violations you have). We give you the opportunity to improve the accuracy of your results by providing us with more details. You do this when you personalize your profile.

How it works

Quick start

Only tell us about factors that have the biggest impact on your rates. No phone number or email required

Retrieve your rates

We match you with top insurance companies and estimate how much you’ll pay at each

Compare and save

Compare rates side-by-side to find the best rate for the right coverage

How we calculate our rates

How Rate Retriever is different

+                                Other comparison sites
-                                Connects you with the provider you choose
-                                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
+                                --
-                                Results not limited to companies with paid sponsorships
+                                --
-                                Results shown after just 5 questions
+                                --
-                                Option to purchase a policy through them

How do we make money?

We may earn a commission from our insurance provider partners when you click on our links or call one of the providers listed on our site. This commission won’t affect the price you pay for a policy, and we won’t sell your contact information or charge you for using our comparison tools.

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How Rate Retriever works

How our tools work​

1. Get started

2. Retrieve your rates

3. Compare and save

How our tools work

1. Quick start

2. Retrieve your rates

3. Compare and save

How we calculate our rates

How it works

Quick start

Retrieve your rates

Compare and save

How we calculate our rates

How Rate Retriever is different

How do we make money?

Ready, set, retrieve!

How our tools work