Have you fallen victim to overpriced car insurance? Believe me, many consumers are feeling buyer’s remorse and feel like there’s no way out. With so many options, it can be impossible to find the most cost effective car insurance company.
Most major insurance companies quote coverage prices on the web. Obtaining pricing doesn’t take a lot of time as you simply type in your coverage information into a form. Once you submit the form, the company’s rating system gets information on your driving record and credit history and generates pricing information based on these and other factors. Online quotes streamlines rate comparisons, but the time it takes to visit different websites and enter the same data into a form is repetitive and time-consuming. But it’s absolutely necessary to get many rate quotes in order to get the lowest car insurance rates.
Quote rates the easy way
The smarter way to compare rates utilizes a single form to get prices from a lot of companies. It’s a real time-saver, reduces the work, and makes rate comparisons much simpler. After your information is entered, it is rated and you are able to buy any or none of the price quotes you receive. If a lower price is quoted, it’s easy to complete the application and buy the policy. The entire process can be completed in a matter of minutes and may result in a nice savings.
To quickly compare pricing, click here and submit the form. If you have coverage now, it’s recommended you replicate the coverage information just like they are on your policy. This guarantees you will have a price comparison for similar insurance coverage.
Some people just want to talk to a local agent. Educated insurance agents are trained to spot inefficiencies and help you file claims. One of the best bonuses of comparing insurance prices online is the fact that you can find the best rates and still have an agent to talk to.
To find an agent, once you fill out this simple form, the quote information is sent to insurance agents who will battle for your insurance coverage. You never need to leave your computer due to the fact that quote results will go to the email address you provide. How cool is that?!
Picking an insurance company requires more thought than just a cheap price. Any agent should be forthright in answering these questions:
When finding a local agent, you need to know there are two types of agencies to choose from. Agents can either be independent or captive. Both types can properly insure your vehicles, but it’s good to learn the difference between them since it can impact the selection process.
Captive agencies are contracted to one company and examples are Liberty Mutual, Allstate, Farmers Insurance or State Farm. They are unable to give you multiple price quotes so keep that in mind. Captives are usually quite knowledgeable on the products they sell which helps them compete with independent agents.
Independent insurance agents are not locked into one company but rather can write business with lots of companies enabling the ability to shop coverage around. If your agent finds better pricing, an independent agent can move your coverage without you having to go to a different agency. When shopping rates, you should always include price quotes from several independent insurance agents to get the best comparison.
For a complete listing of car insurance agents, visit this page.
Once you have positive feedback and an acceptable price quote, you may have just found a car insurance agent that meets your needs to properly insure your vehicles.