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UPDATED: Mar 13, 2020
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Today there are many ways to get the best car insurance quotes. It is easy to access up-to-date information from magazines, phone books, and other directories. While all these ways are effective, you ultimately want to find fast, efficient ways to get the information. The fastest way to get quotes is our FREE ZIP code search tool!
You can leverage the speed you get new information, as well as cross-check information you have discovered, through the use of modern technology. Communication can seem almost instantaneous when you use smart phones and computers. Try our FREE quote comparison search today!
We will review the question of how to get the best car insurance quotes in two parts. In the first part, we will look at many ways to get information about Insurance companies, using an integration of online and offline sources.
Then, in the second part, we will look at how to reduce a quote you have found even lower.
How To Research Car Insurance Quotes
Here is the very best way to find the best car insurance rates: use the Internet.
Using either the major search engines, you can quickly and easily find the most popular websites for what you need.
Simply by putting in some relevant keywords, for instance, “car insurance discounts“, you will be able to pull up the top ranking websites that are optimized for that term.
Once you find these, you can review the top 5 or the top 10, depending on how thorough you want to be.
Comparison Insurance Websites
Another method to search online is to find a website that represents the interest of some of the top car insurance companies.
These websites have automated software in place that enables the user to simply fill out an online form and get multiple quotes from diverse insurers.
Offline Information Sources
While using the Internet gives you the most information in the shortest amount of time, you can supplement this information with other methods to hone down your choices. For best results, you should use these methods before using the Internet, reserving the Internet to refine and verify the information that you get from personal references.
While it is fine to simply use the Internet alone, these supplemental methods will give you the additional information necessary to choose the best insurance quotes.
Ask people you know for their recommendations based on their experience. The advantage of this method is that family, friends, neighbors, and coworkers will all have personal, first-hand experience.
While an insurance company can advertise how much value it offers customers in their television commercials, print advertising, and bill boards, the real proof lies with their customers. This way, although slow, can help you pick the best car insurance company.
Then, based on this testimony, you can go online and research the range of premiums and insurance service packages.
Get Ideas from the Yellow Pages
Use the Yellow Pages to find insurance companies. Call a few to find out more about the services that they offer. This method does not necessarily help you select the best insurance quotes because all the information is biased, from the ads in the yellow pages to the agents you call to talk to about their services.
Again, consider the ads and the agents as giving you an overview of the company. You will, once again, be able to get more accurate information by going online and researching these companies on insurance review websites.
Scan Car Magazines for Specialized Insurers
Car magazines will often have articles, review pieces, and advertisements from insurance companies.
This is a great method if you have an unusual car that you want to insure—perhaps a modified vehicle or a collector’s vehicle.
In a specialty magazine, you are more likely to find relevant advertisements.
Again, as with the other methods, it’s advisable to do a background check on the information that you do receive.
Talk to Local Automotive Mechanics
Call your local repair shops. Like asking other people what insurance company they use, this method will give you some in-depth understanding of how an insurance company really operates.
Car mechanics have to deal with getting paid by insurance companies all the time. They can give you the insider scoop on what car insurance companies fail to deliver on their promises and which ones exceed customer expectations.
Again, since this is only anecdotal evidence, you do need to cross-check with Internet review websites to see whether these opinions are reliable.
Discuss Insurance with an Independent Insurance Agent
By calling an independent insurance agent, you can rely on them to access their network of insurance companies to source the best quote for you.
Again, since they will be getting a commission for their recommendations, you will want to treat their findings with a grain of salt and use the Internet to confirm the validity of their opinions.
How to Lower your Car Insurance Quotes
Now using one or more of the methods stated earlier, you have found the best car insurance quote, can you lower the premiums even more? The answer is a resounding “yes!” But before you embark on this second step, you should verify to yourself that you have been able to accurately compare one insurer to another.
When doing your comparison, you have to be consistent in the information you provide, whether you are researching online or offline.
When you change the information you are providing an insurer in exchange for a quote, you will not get an accurate representation of their coverage if you ask them to calculate your rates based on different information.
Research Discount Opportunities
Insurance companies give numerous discounts for all sorts of things that lower their risk in insuring you. These range from proving that you can increase the safety of your car beyond what features come with your car to proving that you are a safe driver.
For instance, discounts are available, sometimes, for parking your car in a garage at nights or by installing a device that makes your car more vandal, burglar, or theft proof.
Additionally, discounts are available for taking classes in driver’s safety beyond the instructions necessary to get a license, or for not having any violations on your driving record for three or more years. Find out if you can save on car insurance today with our FREE ZIP code search!
In this article, we discussed many ways to research an insurance company using both online and offline methods, and it is advisable to use a combination of many methods. We also discussed ways that you could reduce your premiums. Start your search for the best car insurance quotes today with our FREE quote comparison tool!