Simple Ways to Get the Best Car Insurance Quote on The Zebra

Using The Zebra insurance quote tool is already a smart move — but are you doing everything you can to unlock the best price? Even small changes in your quote inputs can lead to better rates, additional discounts, or more flexible policy options.

Whether you're a first-time user or revisiting The Zebra for a better deal, these proven tips can help you save even more on your auto insurance policy in 2025.

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Compare rates from Liberty Mutual, Progressive, and others instantly with ZIP-based precision.

Tip 1: Try Multiple ZIP Codes (Legally)

If you live near a ZIP code boundary, try entering a neighboring ZIP — especially if you have a secondary address. Premiums can vary dramatically between ZIPs due to accident rates, theft stats, and claim history in that region.

Tip 2: Adjust Your Coverage Levels

The Zebra shows you quotes based on the coverage levels you select. Lowering your limits slightly or increasing your deductible can reduce your premium. Just make sure you’re still meeting your state’s minimums and your own risk tolerance.

Tip 3: Indicate Safe Driving Habits

If you haven’t had any accidents or tickets in the past 3–5 years, be sure to indicate that clearly. Clean driving records can qualify for huge discounts, especially with insurers that provides low cost Liberty Mutual quotes or Nationwide.

Tip 4: Explore Bundling Discounts

Bundling your car insurance with home, renters, or motorcycle insurance can lower your overall rates. Some offers on The Zebra already include bundled discounts — look for these when reviewing quote results.

Tip 5: Requote Often

Rates change regularly based on market data, competition, and personal profile changes. Try requoting every 6–12 months or after any life event like a move, marriage, or new vehicle purchase. This is especially important for college student drivers, who may become eligible for student or safe driver discounts as their situation evolves.

Helpful Pages to Continue Exploring

→ Unsure if The Zebra is trustworthy? Read our review of The Zebra
→ See how it stacks up against Geico in comparison of Zebra vs Geico
→ Want to understand more? Start with how The Zebra compares insurers