Frequently Asked Questions
Find answers to common questions.
Is SmartQuotes really free?
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Yes! SmartQuotes is 100% free for users. We earn a commission from our affiliate partners when you click through to their offers, but you never pay a fee to use our comparison tool.
How does the quote comparison work?
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You fill out a short form with basic details (ZIP code, vehicle info, or loan amount). Our system instantly matches you with top providers in your area, showing you the best rates available.
Will checking rates affect my credit score?
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No! We use "soft pulls" which do not impact your credit score. Only when you formally apply with a lender does a hard inquiry occur.
What states do you cover?
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We cover all 50 U.S. states. Our providers are licensed to operate in your specific state, ensuring you get localized, legal offers.
How do I contact support?
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You can email us directly at support@SmartQuotes.online. We typically reply within 24 hours.