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UPDATED: Mar 13, 2020
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Cheap car insurance is the goal of almost every driver and when it comes to shopping for car insurance millions of drivers opt to start a car insurance comparison search online. From car insurance company reviews to instant quotes, there is a wealth of knowledge available about car insurance with just a few clicks of the mouse. However, what should you be aware of when comparing car insurance quotes online?
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Online car insurance quotes are very popular. There is no pesky insurance agent pushing you to accept coverage you don’t need and auto insurance companies are completely transparent about all the ways you can save money on premiums right?
This is not a fairytale, this is business. Please don’t confuse a fancy website with a soul.
Insurance companies are some of the most profitable organizations in the world and do what any good business would do in order to maximize profit. The great thing about selling car insurance is (a) it’s a product every driver needs to comply with law and (b) no one ever attended a college course to help explain how car insurance works. Some would say this is the perfect combination for a business plan!
Car insurance companies compete daily for our attention online with fancy images, quick forms, all kinds of promises** and even a cute animal here and there. However, just like supermarkets throw 2 for 1 sales close to the checkout line its important to understand the reality of human nature when shopping for car insurance online. Far too often our impulse nature kicks in, leading to decision making based on what we see online, without actually researching the facts. The power of auto insurance coverage is not just having coverage but the very details of the policy itself. You can have a full coverage car insurance policy but what if your limits are only $10,000 – how fully covered are you in a car accident? When searching for car insurance quotes online try to remember these tips and tricks.
Learn about what you are buying
How does car insurance work? What are the different types of car insurance? Who is covered under my policy? How much do I have to pay in a car accident? These are only 4 of the simple questions you must know before buying auto insurance coverage. Anybody can purchase a policy to get a car insurance ID card but the real benefit of coverage is when you need to file a claim. Without understanding what coverage (and how much) you have then it’s sort of like rolling the dice when you go to file a claim. Never buy car insurance without first understanding how it works.
Always Compare Quotes Equally
Once you understand how car insurance works, and how much coverage would be sufficient for your needs, then its time to compare quotes. The problem here is that many drivers simply complete online forms and go straight to the bottom line – the premium cost. There are so many different variables which influence the cost of car insurance you need to compare car insurance quotes line by line, making sure that the cost quoted is for the exact same type of coverage. Anyone can quote you the cheapest car insurance quotes around, but that doesn’t mean you have the same coverage when it comes time to file a claim.
Never Judge a Book by its Cover
You also want to make sure only to deal with reputable companies online. This is where it gets a little grey area since many car insurance companies offer such a poor presence online you may think they operate out of Billy Bob’s garage, when in fact they have millions of satisfied policyholders. The internet is still new and some insurance providers still haven’t grasped the need for an online presence. On the other hand, fancy images and videos do not automatically classify a car insurance company as reputable either. Do some research – read car insurance reviews, contact your State Department of Insurance and ask friends and family for recommendations. “Never judge a book by its cover” is a great expression to remember when shopping for car insurance quotes online.
At the end of the day millions of drivers find affordable car insurance quotes online from reputable companies nationwide. It may take some time but always try to include an online search as part of your process for obtaining auto insurance coverage. You may be pleasantly surprised at what you find and even learn a little along the way.
Find Cheap Car Insurance Quotes online from local providers nationwide!