Get home and car insurance quotes

One form, both products. Licensed agents in your state contact you directly. Takes about a minute.

What a quote request actually is, and is not

It helps to be precise about this, because lead-generation forms are often vague by design. When you submit the form, you are not buying anything and you are not entering into an agreement with an insurer. You are telling CovRGo that you would like to be contacted about insurance. CovRGo passes that request to licensed agents and agencies who write business in your state, and one or more of them contacts you.

There is no obligation at any point. You can decline the first call, decline the quote, decline the policy, and nothing happens. No policy exists until a licensed agent or the carrier itself binds one, with your explicit consent, and that cannot happen through this form.

What you should expect from a good agent call: questions about your vehicle or property, your driving record or claims history, your current coverage, and your budget. What you should not expect: a request for your Social Security number, your card details, or your existing insurer's login. Those are not needed to price a policy.

Why the same details can produce very different prices

Carriers weight the same facts differently. One insurer may treat a single at-fault accident as the dominant variable and price accordingly; another may weight vehicle repair cost more heavily; another may be actively seeking business in your ZIP code this quarter and price to win it. That is why a driver who is expensive for one carrier is frequently ordinary for another, and why the only way to know is to be compared across several.

This is also why a quote you received last year is not a quote you can rely on this year. Insurers file rate changes continuously, and appetite by territory changes with them. Re-quoting at each renewal, rather than every few years, is the habit that reliably produces savings.

What we do with what you send us

We share your request with licensed agents and agencies writing in your state, as the consent box states before you submit. We do not sell your details to anyone else, and we do not add you to a marketing list for products you did not ask about. If you never submit the form, nothing about you is collected — the cost guides on this site are readable in full without giving up an email address or a phone number.

If you want the request withdrawn, say so on the first call, or use the contact route on the privacy page. Withdrawing consent ends future contact; it does not undo an introduction that has already happened, which is worth knowing before you submit rather than after.

How to get a good result from the call

Have four things ready: your current declarations page (it lists every coverage and limit), your renewal date, your driving record for the past five years, and the registration details for every vehicle on the policy. An agent who has those can quote accurately rather than roughly.

When the quote arrives, compare on identical limits and deductibles. A quote with a higher collision deductible is not cheaper, it is different — and it moves more of the repair cost onto you. The premium checklist sets out the order in which to compare and what to ask the carrier when you call to be re-rated.

What happens after you submit

Your request goes to licensed agents and agencies writing business in your state. One of them contacts you, usually within a business day, by phone, email or text. You are not obliged to buy anything, and no policy can be bound by this form — only a licensed agent or the carrier can do that.

What we will never ask you for

Not ready to talk to an agent?

The cost guides are free and don't ask for anything: home insurance cost by state and car insurance cost by state. If you already have a policy and want to know whether the number is defensible, the Renewal Review is free and needs only four figures off your declarations page.