Are you a victim of an underperforming, overpriced car insurance policy? Trust us when we tell you there are a lot of people just like you who feel imprisoned by their car insurance policy.
Insurance companies such as Allstate and Progressive all claim big savings with ad campaigns and it is difficult to ignore the flashy ads and effectively compare rates to find the best deal.
All the larger car insurance companies like Allstate, GEICO and Progressive allow you to get insurance quotes directly from their websites. The process is quite simple as you simply type in the coverages you want as requested by the quote form. Behind the scenes, their rating system requests your credit score and driving record and generates a price based on many factors. Quoting online simplifies rate comparisons, but the work required to visit a lot of sites and complete many quote forms gets old quite quickly. But it’s very important to have as many quotes as possible in order to find the lowest possible prices on car insurance.
The smarter way to find cheaper rates uses one form that obtains quotes from several companies at one time. The form is fast, eliminates repetitive work, and makes online shopping much more enjoyable and efficient. As soon as you send your information, your coverage is rated and you can choose any of the quotes that you receive.
If one or more price quotes are lower than your current rates, it’s easy to complete the application and buy the policy. The entire process can be completed in a matter of minutes and may save quite a bit of money.
In order to find out how much you’re overpaying now, click here to open in new window and submit your coverage information. If you currently have coverage, we recommend you type in deductibles and limits as shown on your current policy. This makes sure you will receive a fair comparison based on identical coverages.
Some consumers would rather buy from a local agent and there is nothing wrong with that. One of the best bonuses of comparing insurance prices online is you may find the best rates but still work with a licensed agent. And supporting small agencies is important particularly if you live in a smaller city or town.
Once you complete this form (opens in new window), your information is submitted to local insurance agents who will give you bids to get your business. You won’t need to even leave your home since price quotes are sent directly to your email. How cool is that?! You’ll get the best rates and an insurance agent to talk to.
When researching local agents, you need to know there are two different types of agents that differ in how they can insure your vehicles. Agents can either be independent or captive.
Independent agents do not work for one specific company so they have the ability to put coverage with lots of companies and possibly get better coverage at lower prices. To transfer your coverage to a different company, they simply move the coverage in-house and that require little work on your part. When comparison shopping, you should always contact at a minimum one independent agency to have the most options to choose from.
Captive agencies work for only one company such as AAA, State Farm, Farmers Insurance and Allstate. These agents are unable to compare other company’s rates so they are skilled at selling on more than just price. Captives are trained well on the products they sell and that can be a competitive advantage.
For a full directory of insurance agencies, click here.
Deciding on an insurance agency requires more thought than just the price. Any agent should have no problem answering these questions:
Upon getting answers to your satisfaction to these questions as well as a affordable price, you may have just found an insurance agency that will provide car insurance coverage.