Proposal 01
Free comparison worksheet
Put every car insurance quote on the same page
Compare the policy design before the premium. Enter up to three written proposals, identify fields that do not match and calculate one consistent policy-term view.
Free to browse · No account required · Sources named where relevant
Built for a clean comparison
01
Policy-term cost
02
Coverage differences
03
Pricing conditions
- Capacity
- Two or three proposals
- Data handling
- No worksheet submit or save action
- Purpose
- Organization, not coverage advice
Interactive worksheet
Put the policy details before the price
Copy the values from each written proposal. The worksheet flags missing fields and coverage differences before it identifies the lowest entered policy-term cost.
Private by design: this worksheet has no submit or save action. Values remain in this page state and reset when the page is refreshed.
Proposal 02
Quote 2
Comparison check
Complete the core fields before comparing price
A lower premium can reflect less coverage, a different term or a condition that does not fit your household.
Missing or unclear
- Quote 1: policy-term premium
- Quote 1: all three liability limits
- Quote 1: UM/UIM form, limits or rejection
- Quote 1: first-party injury benefits
- Quote 1: collision selection or deductible
- Quote 1: comprehensive selection or deductible
- Quote 1: rental reimbursement limit or exclusion
- Quote 1: pricing conditions review
- Quote 2: policy-term premium
- Quote 2: all three liability limits
- Quote 2: UM/UIM form, limits or rejection
- Quote 2: first-party injury benefits
- Quote 2: collision selection or deductible
- Quote 2: comprehensive selection or deductible
- Quote 2: rental reimbursement limit or exclusion
- Quote 2: pricing conditions review
Different between quotes
No difference detected in completed core fields.
| Quote | Term cost | Monthly equivalent | Liability | UM/UIM | Collision / comp |
|---|---|---|---|---|---|
| Quote 1 | — | — | — / — / — | — | — / — |
| Quote 2 | — | — | — / — / — | — | — / — |
*Monthly equivalent is the entered policy-term premium plus known extra fees, divided by the number of months. It is not an installment quote and does not include a fee you did not enter.
Use the written proposals
Three steps to a cleaner comparison
- 01
Copy, do not estimate
Use each proposal's policy term, premium, limits, deductibles and included coverages.
- 02
Resolve every mismatch
Ask for revised proposals when a limit, deductible, term or discount condition differs.
- 03
Read the final documents
Verify the application, payment schedule and issued policy before paying or replacing coverage.
What the worksheet checks
A price comparison needs the same policy design
The tool compares only the fields you enter: term length, term premium, known extra fees, three liability limits, UM/UIM, first-party injury benefits, collision and comprehensive selections, rental reimbursement and common pricing conditions. It will not label a quote as the lowest entered cost until those core entries match.
It cannot determine whether a limit fits your finances, whether an insurer will issue the policy or how a future claim will be handled. Use the result to prepare questions for a licensed insurance professional, not as a personalized recommendation.
Prepare the inputs
Research each decision before you compare
These reviewed guides explain the fields in the worksheet without selecting a company or coverage amount for you.
State requirements
Confirm the legal floor and state-specific selections.
Open guide →Coverage types
Identify what each line of the proposal generally covers.
Open guide →Choosing deductibles
Compare the premium change with cash available after a claim.
Open guide →Company research
Review public company facts separately from the quoted price.
Open guide →Quote comparison worksheet FAQs
Does this worksheet choose the best insurance company?+
No. It checks whether the values you enter are complete and comparable, then shows the policy-term cost you entered. It does not evaluate every contract term, claim experience, financial strength, eligibility rule or company available to you.
Is the monthly equivalent my actual monthly payment?+
No. The worksheet divides the entered policy-term premium and known extra fees by the number of months. An actual installment plan can use a different first payment, later payments and installment fees.
Does ShowMyRates save the quote information I enter here?+
This worksheet has no submit or save action. Its values remain in the current page state and reset when the page is refreshed. Do not enter Social Security numbers, driver-license numbers or payment information.
What should I do when the coverage limits do not match?+
Ask each insurer or licensed agent to reprice the proposal using the same drivers, vehicles, liability limits, coverage selections, deductibles, policy term and effective date. Then enter the revised values before comparing price.
After the worksheet
Need current proposals to compare?
A free ShowMyRates request may be reviewed by a listed licensed partner if one is available for the profile and area. Submission does not guarantee an insurer, price or partner response.