All it takes is five minutes. You answer some questions, and we'll crunch the numbers to show you quotes from every major insurance company. After you decide on a policy, you can buy online or through one of our licensed insurance agents.

Our goal at Insurance Programs is to simplify insurance and provide everyone a range of affordable quotes. Unfortunately, sometimes we're unable to for a variety of reasons:

1) Where you live can have a big impact on the types of quotes you are offered. Certain states and geographies are harder to insure than others because of extreme weather concerns and government regulations.

2) It also could be something in your driver profile that is setting off alarms for insurers, such as a particularly risky vehicle (some insurers have dropped Kia's due to theft issues for example), past violations or claims, or your credit score, among other factors.

3) It's possibly a combination of the above. We might not have a carrier in your state that fits the criteria you need and is willing to offer you insurance.

If you don't see any quotes after using Insurance Programs, don't give up. Try calling our agents so they can help explain what the reason might be and see if they can troubleshoot to find you a good rate.

When you enter your information, we comb through hundreds of insurance companies to find the best fits for you. In your results, we try to show you the best options with companies for which you are qualified.

If there are particular companies you were hoping to be insured by that didn't show up on your results page, give our agents a call. We can do a manual quote to see if you're qualified or see what other options there are for quotes that might work for you.

We work with a wide variety of insurance providers. If your preferred provider didn't show up for you, give our agents a call. We can run a quote manually to see if you're qualified. If your preferred carrier isn't able to write a policy for you at this time, we can also look into why that is and give you some answers. If you tell our agents what you liked most about your experience with that insurance company, they can also provide recommendations for similar providers that might suit your needs.

Finally, if you are already currently covered by your preferred provider, try renewing directly with them. You can still use the rates we provided for comparison and to decide if you might prefer to save money by switching providers.

It's your call. If you want to purchase a policy directly through your provider, they'll have your quote ready. Or you could skip the trip to another site and buy a policy through Insurance Programs. No matter which you choose, it's the same policy.

The quotes we provide are based on the information you enter, so before we can lock in those rates, some of the details have to be confirmed.

Some carriers will have you go through their website to finalize your quote or you can call our agents to finalize your policy. In either case, here's what you can expect:

1) You will likely have to confirm your answers to some of the info you have provided.

2) The insurance company will run a soft credit inquiry (if you live in a state where credit is a rating factor), motor vehicle report, and CLUE report to verify details.

3) The insurance company will also run a report to look for additional drivers in the household. You will need to exclude any drivers living in the house you don't want covered (although keep in mind that you should only do that if they won't be driving your cars at all).

Once all these reports come back and all the information is verified, your rate is finalized and you can officially buy your new policy.

You should be able to get preliminary rates with your credit still frozen. However, in order to run all of the reports (credit, claims history, violation history, etc.) and finalize your auto insurance rates, many carriers will require a credit check which would require you to unfreeze your credit.

Because we're also real people with real data, we understand the importance of keeping your personal information private. That's why we pledge to never sell your data to spammers. We will never disclose your phone number to third parties, nor will we contact you by phone unless you initiate a phone exchange with us.

If you would like us to update information we have about you, change your preferences, or exercise other applicable data protection rights, please contact us via the web at thezebra.com/privacy-request