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Getting car insurance quotes before you buy is a smart move, and there are many places to find them. The best places to find auto insurance quotes depend on what you are looking for from your quotes.
Start the search for car insurance quotes right here once you insert your ZIP code into the FREE quote finder right here!
Everyone has different needs when it comes to car insurance, and your needs will determine the best place for you to find insurance quotes for your vehicle. Once you determine what you want from your insurance company, then you can start your search!
Determine Your Insurance Needs
The number one factor that most are concerned about concerning car insurance is the price. Car insurance payments can be a burden, so many look to decrease the amount they need to pay every month. The price certainly is important, but you should never exchange superior service or important options for cheap insurance. You are only putting yourself at risk for financial difficulties down the road.
If you are concerned about price, then you should be looking for quotes from insurance companies that will offer you adequate coverage for a reasonable price. If you have a decent driving record, then it shouldn’t be that hard to find.
Adequate coverage generally includes:
- Liability coverage over your state’s minimum amounts
- Uninsured/underinsured motorist coverage
- Personal injury coverage
Optional coverage such as collision, comprehensive and towing/rental car reimbursement should also be considered if your needs suggest them. Anything less really leaves you open to not having enough coverage in the event of an accident, theft or other loss.
Not every driver has a low payment as their first concern; some drivers are looking for the best service possible. They want a company that knows them by name and that will handle their insurance needs with personalized service. Such service doesn’t mean that the coverage is the most expensive, either.
Furthermore, there are also drivers who are looking for speed. They want an insurance policy that is easy to get, easy to pay for and doesn’t include any inconvenience.
There are places to get insurance that fit every driver’s need, and there are options in each category that have great rates. You just need to identify the way that will work the best for you.
Best Places to Compare Quotes
Comparing quotes is probably the best way to get a great price on car insurance no matter if you are looking for full coverage or just the bare minimum.
In a recent study, the Consumer Federation of America received quotes for the same driver profile from the four leading insurers that ranged from $762 to $3,390 for coverage; that’s a difference of over $2,600!
All experts in the industry agree that comparing prices is an important part of the insurance buying process. Your goal is to find the insurer out there that is going to offer you the best price for quality insurance coverage.
The best place to get quotes to compare is by using a quote comparison website. These websites take your information to build your driver profile, and then they send it out to insurance companies. Those insurance companies take your information, assess your risk, and send you back a quote for coverage.
Your obligation ends there if you choose. The quotes allow you to see the range of prices available to you for the same coverage. If you would like to pursue a policy with one of the companies that returned you a quote, then you can do so. On the other hand, if you just want to see what is available to you, then that is okay as well.
Best Places for Personalized Service
You might be one of those people who values great service over any other factor, and the best place for you to get quotes might be through an independent agent. Customer service is a really important trait to see in any insurance provider, and an independent agent will know the ins and outs of insurance coverage for any need or situation that may arise.
Independent agents are licensed by the state to sell insurance products. Typically, independent agents contract with multiple insurers to sell their products, so they have an array of choices for you. An independent agent will also be able to answer all of you questions and assist you with claims.
An independent agent is also likely the best place to get quotes if you also need additional lines of insurance.
They will probably also be able to assist you with insurance for your home, business and end-of-life needs.
If you cannot find an independent agent, then an agent who works directly for an insurance company will be your next best bet. You will still be able to see your agent face-to-face, bundle different lines of service and utilize their help whenever you need it.
Best Places for a Quick Policy
Some drivers just want to get an insurance policy and be done with it. They aren’t concerned that they can get it cheaper somewhere else or that an agent will be able to tailor their policy to fit them to a T.
Though it is always best to compare prices from multiple insurers, it is not in everyone’s ability to search for the best prices; some don’t have the time and others don’t care to do it. In such a case, utilizing an insurer’s website is the best way to get a quote and a policy quickly.
All of the largest insurance companies maintain websites where you can get a quote. You can also pay for your coverage, change coverage, and file a claim all on the insurer’s website over the Internet.
Many smaller insurance companies also maintain websites that can be used to get a quote or manage your policy. Furthermore, call centers are also open for those without Internet access, though the process is not as quick as utilizing the Internet.
Best Places to Tell You Who is Best
There are also drivers out there who are concerned with finding the best of the best.
Some drivers want the Superman of insurance companies; they want an insurer with great prices, strong business practices, and great customer service, with agents, call centers and websites all ready to do business.
Such car insurance companies do exist. You just need to know where to find the information to tell you which company is best. One place is J.D. Power & Associates. They rate insurance companies based on factors such as customer service, pricing, and communication on a yearly basis. The ratings are based on thousands of customer surveys, so you know that you can trust the feedback.
Another source that tells you which insurers are best is ratings organizations. There are currently ten ratings organizations that are designated by the U.S. Securities and Exchange Commission as reliable sources for ratings that tell the financial strength of institutions, banks, countries, and insurance companies.
Ratings organizations such as Standard & Poor’s and Fitch Ratings are a good place to look to check out the financial strength of any insurance company that you are thinking of using. Ratings are alphabetical, with ratings such as A+ and AAA being the highest designation.
A third resource for finding the best insurer is your state’s division of insurance. They are the governing body for licensing, reporting, and complaint resolution. Generally, you can look up the history of an insurer, their finances and the number or nature of complaints about the company lodged with the state. Utilize the map provided by the Insurance Information Institute to link to your state’s department of insurance.
Best Buying Process
If you are unsure of what exactly you are looking for in an insurer or unsure where to begin, then you can use the following steps to utilize the best buying process to find a great insurance policy.
First, you need to decide what types of insurance coverage you want, and in what amounts. It is important to use the same coverage amounts when trying to compare quotes.
Then, use a quote comparison website to get an array of quotes. Use multiple sites if you want. If you have particular companies that you want to check, then get a quote from their website, over the phone or from an agent. Utilize whichever method fits your style.
From there, choose a handful of likely candidates from the companies that returned quotes to you, based on price. Check out each company with your state’s department of insurance, with customer service ratings companies like J.D. Power & Associates and with financial ratings organizations.
Find the one that seems to have the highest ratings and the best history in all categories.
Cross off any insurers from your list that have many complaints against them, poor customer service ratings year after year, or low financial ratings.
Such insurers will not serve you well in the future. If all the insurers on your list have poor ratings, then you need to choose more from your original list.
Then, you should be left with only one or two companies. If it is two, you can do more research or just choose one to go with. Buy a car insurance policy from the insurer by either following the link from their quote, by calling their center, contacting an agent or right from their website. In this way, you can get a car insurance policy that is fairly priced, has great customer service and a strong financial outlook. Basically, you have found the Superman of insurance companies!
Start your search for the best car insurance company right here when you insert your ZIP in the FREE box!