The Best Long-Distance Movers in Munster, IN

The best long-distance mover in Munster, IN is Ferree Movers, Inc. (4.56/5 stars) for in-state moves and Safeway Moving (4.9/5 stars) for moves out of Indiana, per moveBuddha's analysis of 124 Indiana movers and 85,354 verified customer reviews. Full-service movers in Munster average $116/hour for local long-distance work. Interstate costs across Indiana range from $685 for a 1-bedroom to $2,982 for a 4-bedroom home.

 Planning a long-distance move from Munster right now: November offers some of the lowest long-distance rates and best carrier availability of the year. The one exception is the Thanksgiving window. The week before and after Thanksgiving sees an end-of-year demand spike as people time moves around the holiday. Aim for early to mid-November for the best combination of price and delivery-window reliability.

Who are the best interstate movers serving Munster, IN?

National carriers operate dedicated long-haul networks, carry active FMCSA authority, and price moves by weight and mileage, the standard model for cross-state relocations. moveBuddha reviewed 157 full-service interstate movers serving Munster, drawing on 85,354 verified customer reviews across Munster.

Safeway Moving was named the top-rated interstate mover for Munster based on moveBuddha's independent analysis.

Who are the best long-distance movers in Munster, IN for in-state moves?

moveBuddha reviewed 153 local movers serving Munster licensed for long-distance moves within Indiana, drawing on 85,354 verified customer reviews across Munster. Ferree Movers, Inc. (4.56/5) was named the top-rated Munster-based mover based on moveBuddha's independent analysis.

155 of the 198 movers offer full packing services, which can reduce the physical load of a longer in-state move.

Full rankings for local long-distance movers serving Munster are listed below.

Below are moveBuddha's top picks for long-distance movers that serve Munster but stay within Indiana:

checkmark Affordable rates
checkmark Flexibility
checkmark Respectful of property
checkmark Careful handling
checkmark Friendly and approachable staff
Get Free Quote
No obligation • Free estimates
Positive reviews
89%
Years active
71
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4.5
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Google logo
4.6
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Yelp logo
3.8
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BBB logo
Grade A+
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Services offered

  • Packing
  • Storage available
  • Interstate moves

Company stats

Read full review
Industry experience 5.0

Companies with more years in business often outperform newer competitors. Ferree Movers, Inc. has been in business for 71 years, demonstrating strong staying power in a competitive industry.

Review quality 4.1

Customer reviews are the clearest window into a mover’s reputation. Ferree Movers, Inc. has about 89% positive reviews across roughly 204 total reviews, with an average Yelp rating of 3.8.

Quote accuracy 4.2

Quote reliability often comes down to clarity and consistency. Customers can request quotes from Ferree Movers, Inc..

Customer service 4.4

From responsiveness to follow-through, customer service is a big differentiator. Ferree Movers, Inc. emphasizes clear communication, careful handling.

Recent reviews

Tyler provided a quick and reasonable quote and even accommodated a last minute request without hesitation. The entire move was seamless and efficient.

The three guys covered every floor surface at both locations, wrapped each piece of furniture in thick moving blankets, and were very careful of the walls and doorways.

DOT number
674157
Address
550 Kennedy Ave, Schererville, IN, 46375
Payment methods
Credit Card
checkmark Affordable rates
checkmark Quick response times
checkmark Quick moving process
checkmark Efficient service
checkmark Friendly and approachable staff
Get Free Quote
No obligation • Free estimates
Positive reviews
87%
Years active
49
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4.5
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Google logo
4.6
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Yelp logo
3.6
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BBB logo
Grade A+
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Services offered

  • Packing materials available
  • Storage available
  • Interstate moves
  • Intrastate moves

Available discounts

  • Military discount

Company stats

Read full review
Industry experience 5.0

Companies with more years in business often outperform newer competitors. Ray's Movers, Inc. has been in business for 49 years, demonstrating strong staying power in a competitive industry with services like interstate moving and intrastate moving.

Review quality 4.5

Customer reviews are the clearest window into a mover’s reputation. Ray's Movers, Inc. has about 87% positive reviews across roughly 250 total reviews, with an average Yelp rating of 3.6.

Quote accuracy 4.1

Quote reliability often comes down to clarity and consistency. Customers can request quotes from Ray's Movers, Inc.. Discounts may be available for groups like military.

Customer service 5.0

From responsiveness to follow-through, customer service is a big differentiator. Ray's Movers, Inc. emphasizes clear communication.

Recent reviews

Timely, efficient, affordable, friendly. I will recommend to anyone I know who is looking for moving services.

Ray’s Movers did an amazing job. They were quick and efficient. They arrived on time and finished when expected. There were no hidden fees at the end. I would definitely recommend them.

DOT number
513779
Address
6707 Broadway, Merrillville, IN, 46410
Payment methods
Credit Card
State license
203110
checkmark Affordable rates
checkmark Quick moving process
checkmark Consistency and follow-up
checkmark Quick response times
checkmark Good communication
Get Free Quote
No obligation • Free estimates
Positive reviews
97%
Years active
12
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4.7
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Google logo
4.9
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Yelp logo
4.2
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BBB logo
Grade A+
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Services offered

  • Full-service moves
  • Packing
  • Packing materials available
  • Piano moves
  • Junk removal
  • Interstate moves
  • Intrastate moves
  • Office/business moves

Company stats

Read full review
Industry experience 5.0

Companies with more years in business often outperform newer competitors. H2H Movers Inc has been in business for 12 years, demonstrating strong staying power in a competitive industry with services like office moving and intrastate moving.

Review quality 5.0

Customer reviews are the clearest window into a mover’s reputation. H2H Movers Inc has about 97% positive reviews across roughly 4892 total reviews, with an average Yelp rating of 4.2.

Quote accuracy 4.1

Quote reliability often comes down to clarity and consistency. Customers can request quotes from H2H Movers Inc.

Customer service 5.0

From responsiveness to follow-through, customer service is a big differentiator. H2H Movers Inc emphasizes clear communication, careful handling.

Recent reviews

Pricing was transparent and consistent. Communication was constant and professional. Most importantly, they handled our stuff with great care as if it was their own.

100% would recommend. H2H was upfront, professional, and organized. They contacted me a week in advance and 2 days before the move. The final bill was less than the estimate.

DOT number
2428328
Address
4250 N Marine Dr Aparment #1136, Chicago, IL, 60613
Payment methods
Credit Card
State license
184599
checkmark Affordable rates
checkmark Quick moving process
checkmark Flexibility
checkmark Quick response times
checkmark Respectful of property
Get Free Quote
No obligation • Free estimates
Positive reviews
96%
Years active
8
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moveBuddha logo
4.6
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Google logo
4.9
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Yelp logo
4.7
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BBB logo
Grade A+
Show details Hide details

Services offered

  • Packing
  • Small moves
  • Interstate moves
  • Intrastate moves
  • Office/business moves

Company stats

Read full review
Industry experience 5.0

Companies with more years in business often outperform newer competitors. 606 Movers, Inc. has been in business for 8 years, demonstrating strong staying power in a competitive industry with services like office moving and interstate moving.

Review quality 4.5

Customer reviews are the clearest window into a mover’s reputation. 606 Movers, Inc. has about 96% positive reviews across roughly 336 total reviews, with an average Yelp rating of 4.7.

Quote accuracy 4.3

Quote reliability often comes down to clarity and consistency. Customers can request quotes from 606 Movers, Inc..

Customer service 4.1

From responsiveness to follow-through, customer service is a big differentiator. 606 Movers, Inc. emphasizes clear communication, careful handling.

Recent reviews

The crew showed up on time, worked quickly, protected our new floors and walls, and moved fragile items safely. The price was very fair.

The staff helped with items we had not packed, stayed transparent about costs, and charged an incredibly reasonable price after a full day of work.

DOT number
3476069
Address
159 N Sangamon St Suite 300, Chicago, IL, 60607
Payment methods
Credit Card
State license
ILCC 222496
checkmark Consistency and follow-up
checkmark Good communication
checkmark Respectful of property
checkmark Careful handling
checkmark Efficient service
Get Free Quote
No obligation • Free estimates
Positive reviews
82%
Years active
146
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moveBuddha logo
4.6
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Google logo
4.7
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Yelp logo
3.2
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BBB logo
Grade A+
Show details Hide details

Services offered

  • Full-service moves
  • Packing
  • Unpacking
  • Packing materials available
  • Custom crating
  • Fragile-only packing
  • Small moves
  • Climate-controlled storage
  • Storage available
  • Shipment tracking
  • International moves
  • Interstate moves
  • Intrastate moves
  • Office/business moves

Company stats

Read full review
Industry experience 4.7

Companies with more years in business often outperform newer competitors. Reebie Storage and Moving Co. has been in business for 146 years, demonstrating strong staying power in a competitive industry with services like office moving and small-scale moving.

Review quality 4.6

Customer reviews are the clearest window into a mover’s reputation. Reebie Storage and Moving Co. has about 82% positive reviews across roughly 634 total reviews, with an average Yelp rating of 3.2.

Quote accuracy 4.2

Quote reliability often comes down to clarity and consistency. Customers can request quotes from Reebie Storage and Moving Co..

Customer service 5.0

From responsiveness to follow-through, customer service is a big differentiator. Reebie Storage and Moving Co. emphasizes clear communication, careful handling, and visibility during transit through shipment tracking.

Recent reviews

The customer service team was in contact with me every step of the way. Packers were efficient, careful and documented everything. The driver arrived in California on the promised day and unloaded quickly.

The movers showed up right on time. They took extra care wrapping items and taping boxes to the wood floor. Our items arrived quickly, nothing was damaged, and the estimate was close.

DOT number
1343707
Address
2325 N Clark St #300, Chicago, IL, 60614
Payment methods
Credit Card

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How moveBuddha rates movers: Every company on this page is scored against 5 criteria: USDOT/FMCSA licensing status, review quality (weighted by recency and volume), quote accuracy verified through submitted moves, pricing transparency (binding vs. non-binding estimates), and customer service responsiveness. No mover pays to appear in these rankings. This reflects moveBuddha's independent analysis of 124 Indiana moving companies.

moveBuddha tracks pricing and mover performance across thousands of routes out of Indiana. Find your exact moving route →

What add-on services do Munster, IN movers offer?

Not every mover in Munster offers specialty services. Based on moveBuddha's review of 198 Munster movers, here is what is available and how often:

  • Art handling: offered by 34% of Munster movers, compared to 17% statewide and 27% nationally. Top pick: Reebie Storage and Moving Co..
  • Junk removal: offered by 28% of Munster movers, compared to 30% statewide and 24% nationally. Top pick: H2H Movers Inc.
  • Fragile-only packing: offered by 14% of Munster movers, compared to 7% statewide and 12% nationally. Top pick: Reebie Storage and Moving Co..
  • Storage: offered by 60% of Munster movers, compared to 58% statewide and 60% nationally. Top pick: Ferree Movers, Inc..
  • Hot tub relocation: offered by 10% of Munster movers, compared to 10% statewide and 9% nationally. Top pick in Indiana: Kentuckiana Moving, LLC.
  • Piano moving: offered by 44% of Munster movers, compared to 35% statewide and 40% nationally. Top pick: H2H Movers Inc.

Does Munster have movers that offer art handling?

Art handling is available from 67 of 198 Munster movers (33.84%), compared to 16.94% statewide and 26.95% nationally. Reebie Storage and Moving Co. (4.64/5) and Expert Movers, Inc (4.62/5) rate highest for art handling in Munster.

Art handling in Munster Details
Top-rated Munster providers Reebie Storage and Moving Co.
Expert Movers, Inc
Per-piece handling fee $44 to $435
Custom crating per item $131 to $174
What to ask Confirm experience with your specific medium (oil, sculpture, photography, etc.); general fine art credentials vary widely

Custom crates and archival materials are the standard for art moving. Standard blankets cannot protect against UV exposure, humidity shifts, or impact fractures. Confirm the mover has direct experience with your specific media before booking.

Does Munster have movers that offer junk removal?

Junk removal is available from 56 of 198 Munster movers (28.28%). H2H Movers Inc (4.72/5) and The Professionals Moving Specialists (4.64/5) rate highest in Munster.

Junk removal in Munster Details
Top-rated Munster providers H2H Movers Inc
The Professionals Moving Specialists
Typical cost per load $131 to $435
Single large item $65 to $131
What to ask Confirm the service covers electronics and appliances; some movers exclude them from standard junk removal pricing

Junk removal reduces billable weight on long-distance quotes and is more cost-effective when bundled with a move. Confirm the service covers electronics and appliances, since some movers exclude them from standard pricing.

Does Munster have movers that offer fragile-only packing?

Fragile-only packing is available from 28 of 198 Munster movers (14.14%). Reebie Storage and Moving Co. (4.64/5) and Expert Movers, Inc (4.62/5) rate highest in Munster.

Fragile-only packing in Munster Details
Top-rated Munster providers Reebie Storage and Moving Co.
Expert Movers, Inc
Full professional packing rate $0.15 to $0.21 per pound
What to ask Confirm the mover's valuation policy covers fragile-only packed items; some companies exclude liability for items their crew did not pack

Dishes, glassware, mirrors, and lamps are the items most likely to break in transit. Fragile-only packing covers those categories without a full-service contract, containing the per-pound packing cost to the portion of the shipment that actually needs it. See moveBuddha's packing breakables guide for material and layering recommendations.

Does Munster have movers that offer storage?

Storage is available from 118 of 198 Munster movers (59.6%). Ferree Movers, Inc. (4.56/5) and Ray's Movers, Inc. (4.52/5) rate highest in Munster.

Storage in Munster Details
Top-rated Munster providers Ferree Movers, Inc.
Ray's Movers, Inc.
Storage-in-transit rate About $0.50 per cubic foot per month
1-bedroom monthly estimate (~514 cu ft) $224
2–3 bedroom monthly estimate (~1,000 cu ft) $435
What to ask Confirm the billing start date and whether valuation coverage stays active during the storage period

At $0.50 per cubic foot per month, a 1-bedroom load runs about $224/month; a 2 to 3 bedroom load near 1,000 cu ft runs roughly $435/month. Confirm whether valuation coverage extends to items held in storage.

Does Munster have movers that offer hot tub relocation?

Hot tub relocation is available from 19 of 198 Munster movers (9.6%).

Hot tub relocation in Munster Details
Bundled with full-service move $131 to $348
Standalone hot tub move $261 to $696
What to ask Confirm full drainage is required before pickup and whether tight backyard access may add a crane or shuttle relay fee

Hot tubs weigh 500 to 1,000 lbs empty, require full drainage, and may need a crane for tight backyard access. Confirm access logistics before the quote is finalized to avoid day-of surcharges. See the how to move a hot tub guide for more detail.

Does Munster have movers that offer piano moving?

Piano moving is available from 88 of 198 Munster movers (44.44%). H2H Movers Inc (4.72/5) and Expert Movers, Inc (4.62/5) rate highest in Munster.

Piano moving in Munster Details
Top-rated Munster providers H2H Movers Inc
Expert Movers, Inc
Upright piano $696 to $1,305
Baby grand piano $1,044 to $2,175
Grand piano $1,566 to $3,045
What to ask Confirm the crew carries piano boards and rigging straps, and request full valuation coverage; standard released-value protection covers damage at only $0.60/lb

Upright pianos weigh 400 to 800 lbs; grands exceed 1,200 lbs. Both require piano boards, straps, and padded blankets; standard equipment can't handle them safely. See moveBuddha's guide to the best piano movers for more detail.

Who are the best movers in Munster, IN for small long-distance moves?

606 Movers, Inc. leads Munster's small-move providers with a 4.64/5 moveBuddha score, followed by Reebie Storage and Moving Co. at 4.64/5. DIY options like moving containers and rental trucks reduce costs by roughly 30% compared to full-service moving and are worth comparing for loads under 3,000 pounds.

moveBuddha logo iconrating star star star star star 4.64 / 5
  • Years in Business: 8
  • 96% positive reviews
  • BBB: A+
moveBuddha logo iconrating star star star star star 4.64 / 5
  • Years in Business: 146
  • 82% positive reviews
  • BBB: A+

DIY options for your Munster, IN long-distance move

Labor-only movers and rental trucks are the 2 most cost-effective alternatives to full-service moving, reducing total cost by roughly 30% for Munster residents who can handle their own loading or driving.

What are the best labor-only movers in Munster?

55 of 198 Munster movers (27.78%) offer labor-only services, compared to 28.23% statewide and 28.62% nationally. Move-tastic (4.66/5) is moveBuddha's top-rated labor-only mover in Munster, followed by TWO MEN AND A TRUCK (4.38/5).

Labor-only movers handle loading and unloading without providing a truck, making them the right fit for Munster residents who plan to drive themselves or who have rented their own vehicle. Combining a labor-only crew with a rental truck or moving container reduces total move cost by roughly 30% compared to full-service moving, based on moveBuddha's pricing dataset.

What are the best moving truck rentals for long-distance Munster moves?

Budget Truck Rental, Penske Truck Rental, and U-Haul Truck Rental are moveBuddha's top-rated rental truck options for a DIY move out of Munster. A truck rental is the cheapest way to move out of state for those willing to handle both the loading and the driving. For moves over 500 miles, a local mover and a national mover price a rental truck the same, so distance alone does not change which provider to choose.

Use the moveBuddha cost calculator to compare total DIY costs against container and full-service quotes before committing.

What are the best moving containers for long-distance moves from Munster, IN?

PODS (4.5/5), Units Moving and Portable Storage (4.3/5), and U-Pack (5.0/5) are moveBuddha's top-rated container options for moves out of Munster. Moving containers reduce costs by roughly 30% compared to full-service moving, making them the most cost-effective option for Munster residents who can handle their own loading and unloading.

Container pricing varies by distance, container size, and the number of units required, so use the moveBuddha cost calculator to compare quotes for your specific move before committing to a provider.

What to know before booking a long-distance mover in Munster, IN

  • Verify federal authorization: Confirm the carrier's USDOT number at safer.fmcsa.dot.gov; 144 Munster movers hold active federal authorization.
  • COI requirements: Check whether your building requires a certificate of insurance. High-rise and managed properties commonly require this from the moving company before move day.
  • Book early: Summer moves (May–September) fill fastest and command the highest rates. Off-peak moves in fall or winter can save 10% to 20% on full-service rates.

How much does it cost to hire long-distance movers in Munster, IN?

Moving costs across Indiana range from $489 for a studio (2 movers, 3 hours at $196/hour) to $4,596 for a 5+ bedroom home (5 movers, 10 hours), according to moveBuddha's analysis of Indiana mover quotes. The table below shows Indiana statewide averages by home size. For city-specific data, see moving costs in Munster. Your actual cost will vary based on distance, access conditions, and your mover's pricing model.

Use our free moving cost calculator to get a personalized estimate for your move.

Home size Estimated interstate cost from Indiana*
Studio apartment $489
1-bedroom home or apartment $685
2-bedroom home or apartment $1,116
3-bedroom home $2,598
4-bedroom home $2,982
5+ bedroom home $4,596

*Estimated costs above are based on varying types of moves that cross state lines in Indiana. All exceed 150 miles, but might remain below 1,500. Your price depends on inventory, distance, timing, service level, and more.

Data reflects Indiana statewide averages based on moveBuddha's analysis of mover quotes collected.

What affects moving costs in Munster?

Here are some additional cost considerations for your long-distance Munster move:

  • Distance: The farther you move from Munster, the more you pay. A short intrastate move costs far less than a cross-country relocation. Once you cross state lines, pricing structure changes entirely and costs rise considerably.
  • Home size and weight: Movers price local moves by the hour and interstate moves by total shipment weight. Downsizing before your move reduces both your bill and your packing time.
  • Move type: Full-service movers handle everything but cost the most. DIY options like rental trucks or moving containers reduce costs by roughly 30% compared to full-service, according to moveBuddha data.
  • Add-on services: Professional packing adds an average of $0.15–$0.21 per pound. Shuttle service, if required, adds $0.08–$0.12 per pound with minimums often starting around $200.
  • Timing: Summer moves (May through September) carry the highest rates. Mid-month and mid-week bookings are consistently cheaper than weekend or month-end dates.

Final Verdict: Best Long-Distance Moving Companies in Munster, IN

Mover MB Score Best For Type
Safeway Moving 4.9/5 Interstate moves out of Indiana National carrier
American Van Lines 4.9/5 Interstate, value option National carrier
Ferree Movers, Inc. 4.56/5 In-state long-distance moves Local mover
Ray's Movers, Inc. 4.52/5 In-state alternative Local mover
606 Movers, Inc. 4.64/5 Small loads under 3,000 lbs Local mover
Units Moving and Portable Storage 4.3/5 Self-pack, ~30% savings vs. full-service Moving container
Budget Truck Rental 4.3/5 DIY driving, lowest cost option Rental truck

How to book a long-distance mover from Munster, IN

A step-by-step guide to verifying credentials, comparing carriers, and booking a reliable long-distance move from Munster, IN.

  1. Verify USDOT / FMCSA registration. Confirm every carrier's USDOT number at safer.fmcsa.dot.gov before signing. Of the 198 movers moveBuddha tracks in Munster, 144 hold active FMCSA interstate authorization.
  2. Confirm binding vs non-binding estimate. Ask whether your estimate is binding, non-binding, or not-to-exceed. A binding or not-to-exceed estimate locks your price; non-binding estimates can increase at delivery based on actual weight or services added.
  3. Request a COI if your building requires it. If your building requires a certificate of insurance (COI), request one from your mover at least 2 weeks before move day. Most licensed interstate carriers provide COIs at no extra charge when given building requirements upfront.
  4. Compare national carriers vs in-state movers. Compare national carriers serving Munster against in-state long-distance movers. National carriers suit cross-state routes; local carriers often cost less for moves within Indiana.
  5. Book 4–6 weeks ahead during peak season. Book at least 4 to 6 weeks ahead for peak-season moves (May through September). Summer calendars fill fast and rates run 15% to 25% higher than off-peak months.
  6. Get a route-specific cost estimate. Use the moveBuddha moving cost calculator to get a route-specific long-distance estimate for your Munster, IN move. Interstate costs from Indiana range from $489 for a studio to $4,596 for a 5+ bedroom home.

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Your Munster, IN long-distance move: answers to common questions

Do long-distance movers in Munster need to be licensed?

Every mover handling a cross-state shipment from Munster must hold a valid US Department of Transportation number and maintain FMCSA registration. Of the 198 movers moveBuddha has reviewed in Munster, 144 are licensed for interstate moves, and every company recommended on this page is among them. Verify any mover's credentials in the Federal Motor Carrier Safety Administration's database.

Before your move, read the FMCSA's Your Rights and Responsibilities When You Move guide to understand the consumer protections that apply once you sign with a licensed carrier.

Is a local mover or a national mover better for leaving Munster?

Local movers in Munster are the most affordable option for moves that stay within Indiana. Of the 198 movers moveBuddha has reviewed in Munster, 144 are licensed for interstate routes and average $116/hour. The top-rated options are highlighted on this page.

When a move crosses out of Indiana, national movers with dedicated long-distance networks often handle the logistics more smoothly, though at a premium over local rates.

When is the cheapest time of year to move away from Munster?

The cheapest moving window in Munster is late fall through early winter; average lows of 18°F, combined with school schedules and the holiday season, suppress demand and keep mover capacity high. Movers are most open to rate negotiation during this period. For anyone with scheduling flexibility, a November or December move date is the single most reliable way to lower your total cost.

What are the cheapest ways to move out of Munster?

When cost is the priority, a DIY move out of Munster is almost always the winner, particularly for moves within 50 miles. Rental trucks and moving containers save roughly 30% compared to full-service movers on equivalent routes, according to moveBuddha's data. The most economical options are a rental truck like U-Haul or a moving container like PODS. For more savings strategies on longer moves, see the cheapest ways to move out of state.

Do I need a certificate of insurance (COI) for my Munster building?

Many multi-unit buildings and managed properties in Munster require a certificate of insurance (COI) from your moving company before crews can access the building. Check with your building manager or HOA at least 2 weeks before your move date. Most licensed interstate and intrastate movers can provide a COI upon request. Confirm this capability when you get quotes, and make sure the policy limits match what your building requires.

What if my Munster property has a steep driveway, narrow street, or high-rise access?

Difficult access is common in many Munster neighborhoods and movers plan for it, but you must disclose it at the quote stage. Steep or narrow approaches that cannot accommodate a full-size truck require a shuttle relay, which adds cost and time. High-rise buildings require elevator reservations (book with your building at least 1 week ahead) and a COI. Gated properties need to arrange access clearance before move day.

Munster, IN long-distance moving: key takeaways

moveBuddha tracks 198 moving companies in Munster, of which 144 are federally authorized for interstate relocations. Ferree Movers, Inc. (4.56/5) is the top-rated local option for in-state long-distance moves; Safeway Moving (4.9/5) leads for out-of-state shipments. In-state moves average $116/hour in Munster. Verify USDOT credentials at safer.fmcsa.dot.gov before signing, and use our free cost calculator to compare quotes.