How to Effectively Compare Insurance Quotes and Save Money
Finding the best car insurance rates begins with finding competitive quotes. In a matter of minutes, you can have multiple quotes from top carriers with high ratings by completing our complimentary online request form. You provide us with basic information about you and your vehicle, and we'll take care of the rest. If you would like more advice before you start shopping for protection, this page is an excellent resource. Below you will find everything a consumer should know about obtaining auto insurance pricing estimates and selecting protections.
Comparing Rates to Save: The Source Matters
With all of the resources available on the Web, it takes a discerning eye to cull the trustworthy sites from the biased or unreliable ones. Hundreds of sites offer free quotes, but these estimates are only valuable to you as a consumer if they are accurate and unbiased. Unlike many competitor sites, ours is not run by nor affiliated with a particular company. Here are a few reasons why sites like ours might be of more help in your quest for solid coverage:
- No single-insurer affiliations. You have probably encountered sites that are sponsored by a single company but claim to offer free comparisons from several companies for their visitors' benefit. What happens on most of these sites, unfortunately, is that the sponsor provider will show you its lowest possible price while unfairly displaying the most expensive policies of other companies. With such subjective material, it's impossible to make an informed decision. For the most accurate knowledge, rely on independent sites like ours that are not run by car insurers.
- One request, multiple quotes. Sites that can offer you only one free car estimate are of little use to you unless you want to waste your time soliciting one price at a time. Further, you cannot possibly make a good decision about your coverage after seeing just one estimate. In fact, most experts recommend reviewing at least four or five different prices before making your choice. On our site, you will find a full spectrum of offers that you can compare simultaneously so you are fully aware of all of your protection options. With a single request, you can view policies from some of the largest players in the industry.
- Simple, secure form. You should not have to fill out pages upon pages of paperwork just to determine the cost of protection. Good sites will be able to provide you an accurate estimate on protection with relatively little personal information. Of course, you will have to provide your name, contact info, and details about your vehicle, but an estimate request form shouldn't be as lengthy as an actual policy application form. Accurate pricing estimates should be quick and easy to access—two qualities that we are happy to offer our visitors.
Top Reasons to Shop Online for Your Next Auto Policy
Rarely do people shop for policies in person or over the phone anymore. The Internet has superseded virtually every other method of shopping for car insurance. But is shopping for and buying coverage online actually superior to more traditional methods?
If speed, convenience, and affordability are among your top priorities in obtaining protection, then shopping online will likely yield the best results. Getting expenses over the phone or from an agent is a long, tedious process that will consume a good chunk of time and only yield a single estimate. By comparison, on sites like ours, you invest about five minutes in completing the form, and you get up to five complimentary quotes in return. And you can do so at your convenience, in the comfort of your own home, 24/7. Finally, you will quickly see that the online market is fiercely competitive, which works very much to consumers' advantage. Carriers are pitted against one another and pressured to offer the best protection at the lowest possible price, resulting in readily accessible, affordable policies from which to choose.
A Simple Checklist That Can Save You Time and Money
Being prepared will make the experience more efficient and rewarding. Before you start searching for offers, you'll want to have certain information and documents at the ready. Your estimated cost will be more accurate if you begin the process with the correct information. Below, you will find a checklist that will help you get ready to shop for and compare multiple policies.
- Do the math before you switch. Check your existing policy to see if your carrier offers a loyalty discount or a discount for remaining a customer for a certain amount of time. Many carriers offer decreasing premiums the longer policyholders remain with them. Find out what this discount is with your carrier and weigh that against the savings to be had by switching carriers when you compare different plans.
- Review your existing coverage. When you request more material, the companies will base prices on the levels of protection you would like. The best way to do decide on these amounts is to consult your current policy. Find out what your coverage maximums are for property damage liability, bodily injury liability, and medical payments coverage (if you have it). Unless your limits are unreasonably high, try to stick with the same levels of coverage or higher as you shop for protection.
- Gather the needed documents. In order to provide you with accurate pricing, your prospective insurers will need certain information about you and your vehicle. As such, you should have your driver's license, current auto protection, car title, and vehicle identification number (VIN) handy. Make sure you also know the year, make, and model of your vehicle as well as the safety and anti-theft equipment it has. Of course, you will also need to provide personal information like your address, occupation, number of miles driven per year, and so on.
- Remember that credit counts. Almost all providers will take your credit score into account when they offer you pricing. Providers look at a special type of credit report that helps them determine the level of risk you represent as a driver. You might wonder how your financial history could possibly affect how you drive. The answer is that, statistically, insurers have found that people with poor credit tend to file more claims. As a result, a low credit score will inflate your premiums. If you are concerned about your credit, you might order your credit report and try to address as many issues as you can before you apply for policy estimates.
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