Question 1

How long does the quote take?

Accepted Answer

About 2 minutes. We ask 10–12 questions about your vehicle, driving record, and coverage preferences, then match you to carriers licensed in your state.

Question 2

Is the quote really free?

Accepted Answer

Yes. Quotes are free and there's no obligation to buy. PolicyChat is paid by carriers when you choose to bind a policy — you pay the same price as going to the carrier directly.

Question 3

Will my credit be affected?

Accepted Answer

No. Getting a quote uses a soft credit pull (in states that allow it) or no credit pull at all — neither affects your credit score. Only binding a policy may trigger a hard pull at some carriers.

Question 4

What information do I need?

Accepted Answer

Your ZIP code, vehicle year/make/model, driver birthdate, years licensed, recent ticket/accident history, and basic contact info. We don't ask for SSN to get a quote.

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