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UPDATED: May 25, 2020
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Finding cheap auto insurance coverage doesn’t have to be time-consuming. The old way of getting cheap auto insurance rates and quotes was to get out your phone book and make several calls.
This is no longer necessary as you can just enter your zip code in our tool right now and start comparing cheap online car insurance quotes from many top companies!
With the development of the internet and quality car insurance websites, you can get a car insurance quote online fast and easy.
Some quotes will be instant while others will come to your e-mail within an hour or so. Who wants to drive all around town or spend all day making phone calls in order to find cheap car insurance rates?
Use the FREE car insurance rate finder above you can be on your way to finding cheap car insurance quotes online!
Tip #1: Have Your Information Ready and Compare Quotes
When sitting down to get some car insurance quotes online, it is important to have your information ready. Having to leave the computer to search for information can slow down your quote receiving time.
The most efficient way is to gather all pertinent information and then simply enter your zip code into the free tool on this page for quick and easy quotes!
Some of the information that car insurance companies will require will be personal. For example: the names of all the drivers in the home, birth dates, and gender.
Companies will also want to know your address, phone number, e-mail address, and cell phone number.
Some websites will ask for the social security numbers of all drivers in order to run a check of previous violations but this is not required to view quotes.
This leads to the next piece of information you will need to have ready. Insurance companies base quotes on many different aspects including driving history. You will need to know the details of any accident or violation any drivers in the household have had in the past five years.
For a violation, this includes the type of violation, the date, and in some cases the consequences. For an accident, you will need to state whether or not you were at fault in the accident.
In addition to this, auto insurance companies want to know how long you have consistently carried auto insurance and what carrier you currently use, if any. You will have to know what type of coverage you have including your liability amounts, collision coverage, and deductible.
If you do not have insurance, you will have to know what amounts you want to have. If there are special features you want such as roadside assistance, you will need to input that information as well.
Tip #2: Check Out the Car Insurance Company
Just because a company has a website that offers quotes does not mean it is a legitimate company. You can go to your state’s department of insurance website and input any insurance company. This will tell you if the company is licensed to sell insurance in the state.
Choosing a licensed company allows you to go to your state’s department of insurance with a complaint should your insurance contract not be kept by the company.
These independent rating companies rate insurance companies based on their ability to meet their financial obligations, their revenue, their trading history in the stock market (if it’s a public company), and any violations against them.
The rating will be in the form of a letter such as A+ or C-. Each rating company has a chart that shows viewers what the letters stand for.
Another way to check the viability of a company is through your local or state Better Business Bureau.
The BBB is independently run and takes in information about companies that register with them. A quality company typically registers with the BBB so that their reputation can be proven.
With the BBB you can inquire as to how many complaints and what type of complaints have been made against the company and how those complaints have been resolved.
Tip #3: Search the Car Insurance Company’s Website
Once you have checked out the reliability of a company, search the company’s website. This will give you information on the history of the company, the vision of the company, and their mission statement.
You can see what products they offer, discounts that may be available, and savings you can have by combining policies. A good website will have the most important information on the home page with easy to click on links to other pertinent information.
Another thing to search out on a company’s website is how to file a claim. This is important when you are involved in an accident and need immediate information or financial reimbursement.
Any easy to file claim service is one of the most important aspects of an auto insurance company. A good company will give you more than one option to file a claim such as calling, filing online, or going to a local office.
If you want to avoid going to several different sites and spending all day hopping from one website to the next, you can use the free car insurance comparison tool on this page right now to compare rates and quotes from many different top companies!
Seeing these results side by side will provide you with the information you need to choose a company that will be able to meet your insurance needs.
Compare the cheapest car insurance rates online now by typing your ZIP code into the box at the bottom of this page!