Frequently Asked Questions
Free to compare
Frequently Asked Questions
Get straight answers about comparing minimum coverage quotes, what happens to your information, and how to find the cheapest legal insurance for your situation.
About This Site
Does Budget Coverage Info sell my information to insurance companies?
Yes, when you submit a quote request, your information is shared with insurance partners who pay to contact you with quotes—that's how this free service operates. You'll typically receive calls, emails, and texts from 3-8 insurance agents or companies within 24 hours. You control whether you respond to those offers, and you're never obligated to purchase anything.
How It Works
What happens after I submit my information for quotes?
Within minutes to a few hours, you'll start receiving contact from insurance agents via phone, email, and text message offering quotes. Most people hear from 3-8 different sources within the first day. You can compare the quotes you receive and choose one, choose none, or ask for revised quotes with different coverage levels.
About This Site
Is Budget Coverage Info a real insurance company?
No, Budget Coverage Info is a quote comparison service, not an insurance company—we don't underwrite or issue policies. We connect you with licensed insurance agents and carriers who provide the actual quotes and coverage. We're paid by insurance partners when users request quotes, which is why the service is free to use.
Coverage Options
What are the risks of carrying only minimum coverage?
The biggest risk is paying out of pocket for all damage to your own vehicle, whether from an accident you cause, an uninsured driver, theft, or weather damage. You're also financially exposed if you cause an accident with damages exceeding your liability limits—you'd be personally responsible for the excess. For someone with an older car and limited assets, this risk is often more affordable than paying for comprehensive coverage.
How It Works
Do I have to answer calls from insurance agents?
No, you're not required to answer any calls or respond to messages from insurance agents. Many people prefer to review emailed quotes and only call back the 1-2 companies with the lowest prices. You can also request that agents only contact you by email when you submit your quote request.
Insurance Basics
Will comparing quotes hurt my credit score?
No, requesting insurance quotes does not affect your credit score because insurers perform soft inquiries, not hard credit pulls. Some insurers do check your credit-based insurance score to determine your rate, but this happens during the quote process and leaves no mark on your credit report. Shopping for insurance is explicitly excluded from credit scoring models.
Coverage Options
What's the minimum car insurance required by law?
Minimum required coverage varies by state, but most require liability insurance ranging from 25/50/25 to 50/100/50 (thousands of dollars for injury per person/injury per accident/property damage). States like California require 15/30/5 while others like Maine require 50/100/25. New Hampshire and Virginia are the only states that don't mandate insurance, though you'll need it to register a financed vehicle.
Insurance Basics
Can I cancel my insurance after getting a better quote?
Yes, you can cancel your current policy at any time, and most insurers will refund the unused portion of your premium. There's typically no cancellation penalty for auto insurance. To avoid a coverage gap that could increase future rates, start your new policy before canceling the old one, even if you pay for one overlapping day.
