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A car insurance estimator is normally a third party website that provides detailed information on car insurance companies and their rates. While a car insurance estimator cannot provide completely accurate quotes for your car insurance policy and your needs, it can be a good way to gauge rates from different companies. Using a car insurance estimator will allow you to quickly see which companies offer consistently lower rates. From there, you can obtain more individualized quotes from a select group of companies. This can save you time and you can avoid the hassle of wading through dozens of different car insurance companies.