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Dozens, if not hundreds, of car insurance companies offer a free quote for their services. This can be a helpful tool in deciding which car insurance company and which policy will best suit your needs. However, keep in mind that the free quote for your insurance policy may not be the actual amount you will have to pay for your policy. The free quote reflects the personal information that you give the insurance company. If that information is inaccurate, your rate will be different than the quote that you received. For example, if you had an unresolved moving violation on your driving record that you did not report during the quote process, the actual cost of your car insurance policy will be higher than the quote.