How to Use Insurance Panda
Last Updated on January 5, 2026
Quick answer: Use the Insurance Panda quote tool to compare available auto insurance options in your area, then choose whether to continue with a provider to finalize coverage.
Insurance Panda is an online auto insurance comparison platform that helps drivers check rates from multiple providers in one place. Instead of starting from scratch on several sites, you can enter your information once, review available offers, and decide what’s worth pursuing.
How to Use Insurance Panda in 3 Steps
- Start with your ZIP code to see options in your area.
- Share basic driver and vehicle details so quotes can be personalized.
- Compare quotes and coverage, then choose whether to continue with a provider.
Use Insurance Panda in minutes
Start with your ZIP to see what’s available near you, answer a few basics, then compare quotes and coverage.
What You’ll Need Before You Start
Having the items below handy makes the process faster and can reduce “estimate-only” results.
| Item | Examples | Why It Helps |
|---|---|---|
| Vehicle info | Year, make, model, trim (if known) | Determines repair costs, safety features, and coverage eligibility |
| Driver basics | Date of birth, marital status (varies by state), household drivers | Used for rating factors and eligibility rules |
| Address + ZIP code | Where the car is primarily garaged | Location affects rates (claims patterns, traffic, theft rates, etc.) |
| Driving history | Recent accidents/tickets (typically 3–5 years) | One of the biggest rate drivers for most insurers |
| Current insurance status | Insured now vs. lapse | Some insurers price differently based on continuous coverage |
Step 1: Enter Your ZIP Code
Start with your ZIP code so we can show providers and options available in your area. Location plays a major role in pricing because insurers factor in things like claim frequency, theft rates, and traffic risk. You can learn more about the impact of your zip code on your insurance rates here.
Step 2: Tell Us About Your Vehicle and Drivers
Next, you’ll answer a short set of questions so insurers can return more accurate quotes. Different insurers weigh factors differently, and some rules vary by state.
| What You’ll Be Asked | Why It Matters |
|---|---|
| Vehicle year / make / model | Helps estimate repair costs, parts availability, safety tech, and theft risk |
| Additional vehicles | May unlock multi-vehicle pricing (learn more about multi-car discounts) |
| Current insurance / recent lapse | Some insurers price differently based on continuous coverage history |
| Driving history | Your driving history is one of the strongest predictors of rate in many states |
| Age | Your age can impact pricing; younger and older drivers often pay more |
| Homeownership / bundling interest | Some insurers offer additional savings when you bundle or qualify for homeowner discounts |
| Gender / marital status | Allowed in some states, restricted in others—insurers follow state-specific rating rules |
You may also be asked for contact details so providers can deliver quotes or follow up if they need more information. If you prefer not to proceed, you can stop at any time.
Step 3: Compare Quotes and Choose Your Next Step
After you submit your details, you’ll see available offers and/or be routed to a provider (or contacted by one) to complete the quote process. Use this step to compare more than just price.
Compare Quotes “Apples to Apples”
- Coverage limits: Make sure liability limits match across quotes.
- Deductibles: Check collision and comprehensive deductibles (higher deductible usually lowers premium).
- Included coverages: Verify items like roadside assistance, rental reimbursement, and uninsured/underinsured coverage.
- Discounts: Ask what’s applied vs. what you might still qualify for.
- Service factors: Claims handling, app/tools, customer support hours, and complaint patterns can matter as much as price.
What Happens After You Request Quotes?
Depending on the provider and your situation, you may experience one (or more) of the following:
- You see quote options on-screen and choose whether to continue.
- You’re directed to a provider’s site to confirm details and finalize a quote.
- A licensed agent or insurer follows up to verify information or discuss options.
- If you decide to switch, you can often change insurers without waiting for renewal (see: switch providers mid-policy).
Privacy and Data Security
We take privacy seriously. If you request a quote, your information may be shared with third-party insurance providers so they can return quotes or follow up. Providers have their own privacy policies and terms, which you can review before you purchase.
For details on what we collect and how it’s used, review our Privacy Policy.
How We Make Money
Insurance Panda is free for drivers. We may earn compensation from advertising and marketing partners when you click links, request quotes, or take other actions on our site. Compensation may influence which offers appear and where they’re displayed, but it does not set your insurance rate—your provider does.
For more details, read our Advertiser Disclosure.
Final Tips for Better Quotes
- Be consistent: Use the same coverage limits and deductibles when comparing.
- Consider your budget risk: A higher deductible can lower monthly costs, but make sure you can afford it if you file a claim.
- Ask about discounts: Safe driver, multi-car, bundling, good student, and telematics discounts vary widely by insurer and state.
- Double-check details: Small differences (miles driven, garaging address, drivers in household) can change pricing.
If you have questions or want help finding the right resource, visit our Contact Us page.