The Best Approach to Auto Insurance Quotes

Auto insurance quotes are generally free so don’t just take out an auto insurance policy based on the first auto insurance quote you get.

The best possible way for saving money on your auto insurance is to get at least three insurance quotes. Granted, getting multiple insurance quotes will take you time but if you compare your hourly rate at work to the amount you could save on your auto insurance I think you will agree that getting several auto insurance quotes is a valuable use of your time.

One of the best ways to get as many auto insurance quotes as possible in the shortest period of time is on the internet. You might have to trawl through a few user unfriendly insurance quote sites but there are several little gems out there where you can get multiple auto insurance quotes in one go and most of the main providers of auto insurance not only offer online quotes but also provide consumers with discounts when they get their insurance quotes online.

A decent auto insurance broker is well worth their weight in gold. Using a broker to get your insurance quotes will mean that you only have to fill out one form and then the auto insurance broker will trawl through loads of insurance quotes until they find the best possible insurance package for you. What’s really neat is that nowadays you don’t even have to leave the comfort of your own home as there are more and more insurance brokers offering their services on line.

As you can tell I love the online approach, for those that hate the sales pitch that accompanies a ‘face to face’ or telephone insurance quote online insurance providers are the answer to your prayers.

Don’t wait until you change cars every year that better offer could be available. Just because you got the best possible auto insurance quote last year it doesn’t mean to say you can’t beat it when the renewal notice comes through your door. With online insurance, it’s easy, spend a little time one evening getting comparable auto insurance quotes, there’s loads of deals out there with so many auto insurance providers fighting for your business and you could save yourself wads of cash.

When looking for alternative auto insurance quotes make sure that you check that the lowest auto insurance quotes are for a similar level of cover to those that are more expensive.

Always know what you are buying, don’t leave yourself exposed by paying for a cheaper but relatively useless auto insurance.

One last word of advice, the lowest auto insurance quote isn’t always the best to go for even if it does provide you with the right amount of cover. Low cost auto insurance is good but it’s also important to use a reputable insurance provider. There is no point getting really cheap car insurance if the company that you are insuring with either messes you around, or even worse, doesn’t pay out!

Get An Auto Insurance Quote

Having a vehicle or driving a vehicle requires an auto insurance policy. This is required by state law. Sometimes people are confusing which insurance to choose since there are so many policies to choose from. Take note that getting an auto insurance quote can help you evaluate the various car insurance to find an excellent policy that is right for you.

A car is not really an investment but remember that lot of money tied up in it and to be sure, you need an auto insurance since in case there is unexpected happens such as accident, at least you are protected financially and as well as the other car or third party. Just need to be careful and prepared, anyway you lose nothing if you buy insurance.

Since insurance policies come with many terms and coverage options then you need a bit of legal knowledge as well as financial knowledge to choose which policy that is best fits your needs. Insurance agents are most ready to give you information about multiple options and quotes for possible coverage provided that you buy a policy from them. Why not use your knowledge or idea by shopping around to get information from different agents in order to compare the rates, coverage and benefits the insurance company can give you.

The reason why you need to get an auto insurance quote is to make sure that you aren’t paying too much for your car insurance and one thing more is that you can find the right auto insurance which is best for you. Getting car insurance quotes is much easier than regretting for paying too much for your coverage.

Remember that by getting auto insurance quotes and compare their rates from several different companies, you can save. If you are busy and have no time to shop around, then you can have car insurance quotes online through the internet. There is nothing impossible if you try and take note that if you have your will to get an auto insurance quote, then there is always a way.

Before you say you can’t shop around for your auto insurance quote because you’re busy and you have no time, make sure you’ve tried. Before you believe others are better because they got the best auto insurance for themselves, you should show them your best by finding one for yourself as well.

Getting auto insurance quotes either online or by shopping around, all you need is to compare the rates, coverage, policies and benefits, look at them side by side so that you will be able to determine what the best choice is for you. Always ask question if ever you don’t understand and for sure they will gladly entertain you and explain to you by details.

Remember that not all lowest prices are the best choice so better think twice, determine what really suits or fit your needs. You can have big discount if you have a good driving record, being long time customer which they called loyalty discount, If your vehicles or auto have some safety devices, and low number of miles per year.

Auto Insurance Quote Review

Have you thought about asking for a free auto insurance quote on the internet? Are you concerned because you may not know anything about the company providing the quote? Are you wondering how you can find out about the reputation of the company giving you a quote, especially when it comes to paying out claims?

This article will tell you how to find out about insurance companies: their financial stability and how many consumer complaints they receive, how to ask for a quote so you can compare apples to apples, and results of online quotes from eight known auto insurance companies.

How to find out the stability of an insurance company

The financial stability of a company is rated by A.M. Best and Standard & Poor’s. These companies provide an independent opinion of an insurance companies ability to meet its ongoing policy and contract obligations. The A.M. Best rating is expressed as a letter grade from A++ (the highest) to D. It is recommended that you do not work with companies rating B or lower. The Standard & Poor’s Ratings range from triple A (the highest) to CC. It is recommended that you do not work with companies rating lower than BBB.

How to find out individual policy holder satisfaction with an insurance company

Annually J.D. Power and Associates gathers data from policy holders nationwide regarding policy options, pricing, automated phone service and overall satisfaction, with the insurance company providing their insurance. The best rating is 5.

How to Find Out the Number of Consumer Complaints

The Department of Insurance for each state provides the general public with consumer complaint ratios. This ratio helps the consumer to identify the number of complaints per number of claims filed. A maximum of forty companies are compared. If more than forty insurance companies have complaints, only the forty companies with the most complaints will be compared. It is recommended that the complaint ratio be checked in three or more states to identify specific insurance company trends. A ratio of less than one hundred is better than average.

How to ask for a quote so you can compare apples to apples

A response to the following information must be decided before asking for an auto insurance quote:

  • Car make, model, year, current mileage
  • Deductible amount for collision, comprehension and liability
  • Coverage for medical
  • Purpose for using the car
  • Miles driven per year
  • Number of designated drivers
  • Drivers ages

What is the result of performing the above steps?

The Auto Insurance companies used for this Auto Insurance Quote Review are 21st Century, Allstate, Esurance, Geico, Nationwide, Safeco, The Hartford. These companies were selected based on longevity in the business and their familiarity to consumers throughout the United States. The stability, consumer overall satisfaction (Sat.), policy options (Opt.), price (of premium) and automated phone service rated as follows.

J.D. Power and Associates

Insurance Co. AMBest S&P Sat. Opt. Price Phone

21st Century A A 3 3 4 2
Allstate A+ AA- 3 3 3 3
Esurance A- n/a n/a n/a n/a n/a
Geico A++ 3As 3 4 4 3
Nationwide A+ A+ 3 3 2 3
Safeco A A- 3 2 2 3
The Hartford A AA- 3 3 4 3

The number of consumer complaints for these auto insurance companies rated as follows in the states of Illinois, Minnesota, Missouri, Texas and Kentucky.

The Complaint Ratio for Five States

Insurance Co. IL MN MO TX KY

21st Century n/a n/a n/a 199 n/a
Allstate 55 130 130 165 19
Esurance n/a 212 212 455 0
Geico 33 149 128 132 116
Nationwide n/a 76 76 131 0
Safeco 29 117 117 71 25
The Hartford 29 n/a 454 200 54

The Auto Insurance Quote Sample

The following information was used for all quotes:

  • 2006 Toyota Camry 4dr v6 engine LE
  • 50,000 miles
  • Driven under 9000 miles per year
  • Used for pleasure
  • $100 Deductible for comprehensive and collision
  • $250,000/$500,000 Liability & collision
  • $10,000 medical
  • One car and two drivers

Auto Insurance Quotes

The following six month policy quotes were received from each of the companies listed below:

Company Quote

21st Century $237.68
AllState $392.00
Esurance $343.00
Geico $260.10
Nationwide $415.40
Safeco $281.00
The Hartford $375.00

Ways To Lower The Premium

Most insurance companies will offer discounts for the following events:

  • Save driving record for 3 – 5 years
  • No minor infractions for 3 years
  • Anti lock devices installed in your vehicle
  • No DUI for the last 3 – 5 years
  • License not suspended for the past 3 years
  • Good credit rating
  • Car owned rather than leased or financed
  • A second vehicle is also insured
  • Other types of insurance is also purchased from them

High risk drivers can expect to have a higher premium. Not all insurance companies will insure them. In addition when a high risk driver has an accident, the insured can expect difficulty when attempting to get the vehicle repaired using car manufactured parts. Generally auto insurance companies will pay only for the cheapest parts available.

Some insurance companies offer a lower premium for the first year as an enticement to encourage you to get your auto insurance coverage through them. So always ask about the second year premium price.

Is It a Good Idea to Get a Free Auto Insurance Quote Online? Yes! Do It Now.

It is a good idea. You have nothing to loose and much to gain. There is no charge to get a free auto insurance quote, except for the time it takes to ask for the quote. Do it today. You can find out for yourself how your current auto insurance premium compares to other auto insurance company premiums.

Getting the Cheapest Auto Insurance Quote Gives Life to Your Budget!

Are you searching for the cheapest auto insurance quote? You know the one that’s hard to get. If so in this article we will show you where that cheap auto insurance quote is, what you must do to get it and bring relief to your budget and put a smile on your face.

I don’t know about you but having some extra bucks at the end of the month sure beats the empty pocket syndrome and puts a smile back on an otherwise gloomy scenario.

Depending on what type of automobile and insurance you have, you could save anywhere from twenty to thirty dollars a month up to hundreds a month and that can put a smile on any ones face.

The big problem is that it’s not that simple to get that coveted cheapest auto insurance quote. Most online auto insurance quote sites will not give you that lowest quote.

Online Insurance Quote Sites

These sites are set up to give you fast quotes, not low low quotes. The lowest quotes can only come from your local agents. Online sites can only give out the standard quotes that are stored in their data base and believe me they don’t put the cheapest vehicle insurance quotes in those data bases.

What they do put in their data base are their regular rates and I don’t care how hard you try to get that low rate from them, they just can’t give it to you because their data base doesn’t contain it. So where do you get that cheap auto insurance quote?

That cheapest auto insurance quote is only available from the local agent and they do not like giving out that cheapest Quote. You have to force them to give you that low, low rate.

For a local agent to give that coveted cheapest car insurance quote he has to give up some or all of his return on that policy. That is something the local agent does not like to do, unless he is forced to.

How Do You Force The Local Agent To Give The Cheapest Quote?

Unless the local car insurance agent is your brother-in-law you have to get him to compete against other local agents to get that in demand cheapest quote. Just walking into his office and telling him or one of his agents that you’re getting quotes for your car insurance won’t get you that cheapest rate.

Every one who walks into the agency says they are going around getting quotes but in reality only about 5% actually run around from agency to agency getting quotes because it’s a big hassle to say the least. The person you need to see is usually not available. You end up spending a huge amount of time, accomplish very little and become frustrated and quit.

The agent will take that gamble that your one of the 95% that quit and take the rate that he quoted. He’ll lose 5% but what he makes on the quitting 95% sure makes up for his loss.

Force the local car insurance agent to Compete

Your local agent does not want you to get your auto insurance from the agent down the street. They might be best friends at the local chamber meeting but get them competing for you car insurance business and they will do what ever is necessary to get your business. They will!

Insurance agents derive their money on residuals – Money that automatically comes to the agent from policies that automatically renew each year. They know that most people having gotten a great deal that first year will automatically renew every year thereafter with out shopping for that low quote, and that’s where the agent makes their money, year after year.

Unless that Local agent knows they are competing, You won’t get that lowest quote. Here’s the secret to getting that cheapest quote from the local car insurance agent.

One Form, 6 or 7 Local Agents = Instant Competition!

Why not go to a web site where you can fill out that one form, it gets faxed to the local agents where you set in motion a system that guarantees you receive the cheapest auto insurance quote. Here’s what will take place.

You answer a few questions that the agents need to know to give you the lowest quotes.

That quote request is faxed to 6 or 7 of the sharpest local agents in your surrounding area. These are agents that will fight for your business and are willing to do what ever is necessary to get your business.

They contact you directly in a few hours with those low low quotes. Cheap because they know when they receive your quote request that their competition received that request also. They know what they must do to get your business.

All you need do is wait a few hours because those auto insurance agent are bringing you some of the lowest car insurance rates you have ever seen. Just pick out the one you like the best and you have assured yourself that you have received the cheapest auto insurance quote possible.

Do Online Auto Insurance Quote Sites Really Get The Lowest Auto Quote For You?

When you’re on the internet looking to compare your Auto Insurance rates where do you exactly look? It’s simple to just do a search and find all the top brand Insurance companies and do research on their credentials, but that can be very time consuming and a big hassle.

Why not save that time and enter your information once into a lead aggregation form and have insurance companies contact you for your business? Well not many do this because of several reasons and I’ll list that below. However, on the other hand there are a lot of positive outcomes that may result in using an insurance aggregation.

The Cons of using an auto insurance aggregation to get quotes.

1. Several insurance companies contacting you for the same thing over and over again
2. Quotes are higher than what you currently have
3. Your information is distributed to several companies
4. There is no real price quote at the end of the form you filled out.

Now the Pros of using an auto insurance aggregation to quotes.

1. You get to have several Insurance Companies offer you a quote on your auto insurance
2. Different insurance companies that you never heard of that may actually be better than what you currently have.
3. Quotes are FREE and can be much more inexpensive and possibly even better in coverage
4. Your auto insurance gets a “Free annual review”
5. No need to call them, have them call you rather
6. Meet an insurance agent that cares for your business and can service your policy
7. Able to speak to someone directly rather than getting a quote on a policy you have no idea what you’re buying
8. Connect with a professional and licensed to quote you and answer all your questions

So there you have it, the Pros actually outweigh the Cons in this case. If you go through the Cons closely they are just an excuse not to get a Free quote when you see a site that offers it. Lets break it down closely and see each Con and the reason why it may hold you back from getting a Free Auto Insurance Quote online.

1. Several insurance companies contacting you for the same thing over and over again
(This may be tedious for yourself, but expect more exposure and different rates for your insurance, some insurance companies may favor certain drivers based on age, driving history, credit and even the type of car)

2. Quotes are higher than what you currently have
(This is absolutely possible! But great that you took the time to shop your insurance around ensuring that you are indeed getting the best coverage for what you are paying for!)

3. Your information is distributed to several companies
(This is true, but every company that obtains your information is required by the lead aggregation company to keep your information confidential and may only contact you for quoting purposes.)

4. There is no real price quote at the end of the form you filled out.
(Licensed professionals need more accurate information to get you the exact price and correct coverage that you may have. They need to compare apples to apples so the quote is accurate as possible, no one likes bogus numbers and expects to be sold)

Out of all the reasons you see here, it only makes sense for you to take a closer look at getting an Auto Insurance quote online. The benefits of getting multiple quotes and having licensed professionals speak to you comes a long way. I would highly recommend getting an auto quote online especially when you are looking for better coverage or even a price comparison. There really isn’t a lost on getting a free auto quote online, especially if you are looking to save money!