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UPDATED: Mar 13, 2020
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Automobile insurance is required by every state. Drivers face daunting challenges when attempting to find the best car insurance coverage at affordable rates. A car insurance quote website is the easiest way to find the best insurance options. Using websites will make is easier to find cheap car insurance quotes.
Insurance companies use quote websites to establish contact with insurance shoppers in locations across the country. Drivers in large cities and small towns have similar advantages in the auto insurance shopping process because of the power of the Internet. Get started now by entering in your ZIP code and get a FREE car insurance comparison!
Advantages to Quote Comparison
Online auto insurance quote websites request basic information, including the driver’s residential address. Webforms that request more information will save time in the subsequent rounds of the selection process. Direct contact with the insurance companies is required to answer specific questions and complete the underwriting process. Insurance shoppers will discover useful facts about their personal insurance needs.
A driver with a DUI on his driving record will receive quotes from companies that will accept this type of violation on the driving record. Young drivers and senior citizens will find companies that offer better rates for each group. Classic car insurance providers are not known to the general public, but quote websites can connect the shopper with the right company.
Any car that does not fall within the mass-produced vehicle category will require insurance of a different type. Personal car insurance policies will not cover business use. Owners of businesses will find companies that underwrite business policies when auto insurance quote websites are used.
Insurance companies operate under strict regulations that ensure the company is able to pay claims. Most policyholders never consider the importance of selecting a company with a solid reputation. Significant financial loss can be avoided when the right insurance company underwrites the auto insurance policy.
After the quotes have been narrowed to the final three companies, the wise insurance shopper will conduct some important investigations about each insurance company.
An agent network or a central customer service department are the two most common models for providing support to auto insurance policyholders. An insurance shopper can eliminate companies that do not offer the preferred customer service model.
The A.M. Best Company has been evaluating insurance providers for more than 100 years. Healthy insurance companies maintain sufficient funds to pay a large number of auto claims every year. Drivers rely on fast responses from the insurance company for all customer service requests.
The A.M. Best Company rates every customer service department for insurance companies. Low ratings indicate a troubled insurance provider. A fast claim payment record is essential following a claim. A.M. Best Company maintains actual claim records on all auto insurance companies. Low ratings provide insight for the savvy insurance shopper.
As quotes arrive, the insurance shopper will begin a detailed comparison of the policies. Extreme quotes should be eliminated from the comparison process. A brief comparison based on the annual premium amounts will not result in the right auto insurance coverage for the driver’s situation. Every quote must contain the same combination of liability, collision and comprehensive insurance components.
Liability-only policies cannot be compared to full-coverage policies. The insurance shopper can request a full-coverage quote from an insurer if a liability-only quote is offered. Medical expense and uninsured motorist components can skew the final evaluation if not every quote contains these coverage options.
Dollar limits must be identical on every quote to provide a valid comparison of the coverage offered by each insurance company.
Even minor differences must be eliminated. Every insurance company prices insurance coverage according to a different calculation. Similar premium amounts can be lowered through deductibles and discounts. Extreme premium amounts should be investigated.
A wise auto insurance shopper will evaluate his personal financial situation prior to deciding on the best auto insurance deductible. Sufficient cash reserve must be set aside to cover a large deductible amount. Financial hardship can result if the deductible is too high for the policyholder to pay.
Comprehensive and collision components are priced based on the make and model of the vehicles that are listed on the policy. The policyholder can lower the annual premium by carrying a higher deductible on these two components. Exact deductible amounts must be present on every quote to create a valid comparison.
Deductible amounts must be set in conjunction with homeowners and business insurance deductibles to avoid hardship following multiple significant losses.
Insurance companies offer discounts to encourage drivers to practice safe driving habits and other risk-lowering behaviors. Savvy insurance shoppers will evaluate discounts and continue to ask questions until all applicable discounts have been found. A clean driving record will lower the cost of auto insurance more than any other factor in the driver’s profile.
A healthy credit history and being a homeowner convey responsible behavior to the insurance companies. Many offer discounts for drivers who fall into these categories. A quote that contains a discount for car alarms, air bags and other features present on the vehicle should be taken to the next round. Each insurance company should be asked for discounts on these valuable vehicle features.
Teens and seniors qualify for substantial premium discounts after the completion of approved driver training courses. Savvy insurance shoppers will inquire about this discount.
Choose Coverage Carefully
Insurance quote websites provide valuable starting points for the auto insurance shopper. Referrals from friends are limiting in scope, but a quote website opens the shopper to unforeseen insurance options. Additional effort is required to find the best coverage for the lowest price. An organized comparison will ensure the policyholder finds the best insurance company for the personal situation.
All information provided to the insurance company must be true and verifiable to keep the policy in force. Persistence in the quote evaluation process can save hundreds of dollars each year on sufficient auto insurance coverage. Using our FREE car insurance search tool is easy; all you do is put in your ZIP code!