Auto · Home · Life insurance

Stop overpaying for insurance.

Answer a few questions once. Licensed agents and carriers in our network compete to cover your car, your home and your family — you pick the winner.

FreeNo obligationAbout 3 minutes(833) 892-2725

Compare quotes in your area

Start with your ZIP code. Switch tabs for home or life.

Enter your 5-digit ZIP code to continue.

or call (833) 892-2725 to talk to a licensed agent

100% free — you never pay MooseCoverNo obligation to buyEncrypted & never sold to spammers

Quotes come from licensed agents and carriers in our network. MooseCover is a referral service, not an insurer.

All 50 states + DCPartners matched to your ZIP
About 3 minutesOne form, several quotes
$0 to you, everOur partners pay for the intro
Licensed pros onlyAgents & carriers in your state
Insurance quotes Exit
Step 1
Prefer to talk it through?Licensed agents · Mon–Sat, 8am–8pm ET
(833) 892-2725
256-bit encryptionNo credit checkNever sold to spammers

What we compare

Pick what you need to cover.

Each product has its own short form, built around the questions insurers actually price on.

Two ways to start

Online in three minutes, or on the phone with a person.

Woman at her kitchen table on the phone

Do it yourself, online

Answer the questions at your own pace — about three minutes — and let the agents and carriers we match you with come to you with quotes.

Start my quotes
Licensed insurance agent on a call

Talk to a licensed agent

Rather explain your situation to a person? Call and a licensed agent will walk you through coverage, discounts and what to expect.

Call (833) 892-2725

What happens next

Here’s exactly what to expect after you hit submit.

  1. now
    Your request is matched

    We send it to licensed agents and carriers in our network that serve your ZIP and profile. You’ll see a confirmation on screen.

  2. min
    You get a call or a text

    Usually within minutes, from a number with your area code. Answering it is the fastest way to lock in a rate.

  3. day
    Quotes arrive

    Real prices for real coverage, by phone or email. Ask questions, compare, take your time.

  4. you
    You decide

    Buy from whoever fits — or nobody. Tell any partner to stop and they stop.

How it works

Three steps. No phone tag, no paperwork.

1

Tell us what you’re covering

Your ZIP, the vehicle or home, and the handful of details insurers use to price a policy. About three minutes, no documents.

2

We match you

Your request goes to licensed agents and carriers in our network that serve your area and your profile.

3

Compare and choose

They reach out with real quotes. Compare coverage and price, ask questions, and pick the one that fits — or walk away.

Modern farmhouse at dusk

Why rates differ so much

Same house, same car — different price at every carrier.

  • Every insurer weighs risk differently. One rewards a clean driving record, another rewards bundling, a third prices your ZIP code heavier.
  • Loyalty rarely pays. Renewal rates drift up quietly; new-customer pricing is where the competition happens.
  • Bundling is the biggest lever. Home + auto with one carrier is often the single largest discount available.
  • Comparing is the only way to know. That is the whole point of MooseCover: several licensed quotes from one short form.

Why MooseCover

Built to be simple, honest and free.

It’s free

You never pay us. The agents and carriers in our network pay for the introduction — and that never changes the price they quote you.

Licensed professionals only

Every partner who contacts you is a licensed insurance agent or carrier in your state. No call centers reselling your details.

Enter it once

The same questions every insurer asks, answered one time. No repeating your VIN and address on site after site.

Your data, protected

Encrypted in transit, shared only with the partners matched to your request, and you can tell any of them to stop at any time.

Compared

How this stacks up against the other ways to shop.

Every route gets you insured. This one gets you several licensed quotes without repeating yourself.

MooseCoverCarrier by carrierOne captive agent
Several licensed quotes from one form
Free, no obligation
Compare more than one carrier
You choose who you talk to
No credit check to get started
Takes about 3 minutes

Questions

Good to know before you start.

Is this really free?

Yes. MooseCover never charges consumers. We are paid by the agents and carriers in our network when we introduce you, and that fee does not affect the price they quote.

Will I get a lot of calls?

You will hear from the partners matched to your request — usually one to a few — by phone, text or email. You can tell any of them to stop at any time, and reply STOP to any text.

Does this affect my credit?

No. We ask you to estimate your credit rating; we do not run a credit check. Some carriers may use an insurance score when preparing a final quote, which does not affect your credit.

Is MooseCover an insurance company?

No. MooseCover is an advertising and referral service. Quotes and policies come from the licensed third parties we match you with.

Which states do you cover?

All 50 states and DC. The number of partners available varies by ZIP code and product.

Ready to see what you could be paying?

Free, no obligation, about three minutes — or call (833) 892-2725.

Get My Quotes