Where Not to Look for Instant Car Insurance Quotes

When searching for instant car insurance rates, avoid (1) independent agents, (2) budget car insurance offices, and (3) amateur websites. One easy way to get an instant car insurance quote online the compares many high quality insurance companies is to enter your ZIP code below.

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Zaneta Wood, Ed.S. has over 15 years of experience in research and technical writing bringing a keen understanding of data analysis and information synthesis to reach a wide variety of audiences. She studied adult education and instructional technology at Appalachian State University as well as technical and professional communication at East Carolina University. Zaneta has prepared technical p...

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Joel Ohman is the CEO of a private equity backed digital media company. He is a CERTIFIED FINANCIAL PLANNER™, author, angel investor, and serial entrepreneur who loves creating new things, whether books or businesses. He has also previously served as the founder and resident CFP® of a national insurance agency, Real Time Health Quotes. He has an MBA from the University of South Florida. Jo...

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Reviewed by Joel Ohman
Founder & CFP®

UPDATED: Sep 15, 2020

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Here's what you need to know...

  • When researching car insurance quotes, there are certain places you should avoid
  • Avoid places that simply waste your time without providing any valuable information
  • Avoid places that appear to give accurate rate information but are actually just guesses
  • Avoid places that take an extremely long time to process insurance quotes

If you’ve spent any time shopping for car insurance you’re probably aware that there are dozens of different resources available to you.

There are lots of websites and advertisements promising to help you get instant access to auto insurance rates any time of the night or day.

However, there are some places you should avoid in your quest to find car insurance rates instantly.

You can find auto insurance quotes online by entering your ZIP code into our FREE search tool at the top of the page right now!

Local Independent Agent


The local independent insurance agent has been a mainstay of the American insurance industry for generations. These agents still have a place in the industry.

However, if you want to get insurance rates instantly, local independent agents are not the best suited for the job.

An independent agent is one who represents several different insurance companies and earns a living through the commissions paid on every policy sold.

For every new customer looking for a car insurance quote, the agent must do a comparative analysis between what the customer needs and what each of the underwriters offers.

In the end, he is simply trying to find the best policy for the customer that will earn him the most commission which is not usually a fast process.

In addition, the U.S. Bureau of Labor Statistics explains that many independent agents offer several different types of insurance simultaneously.

The busy routine of the independent agent means he’s not always available instantly provide you with rates.

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Budget Insurance Offices


The budget insurance office is similar to the independent agent except for one important distinction: it usually only represents one insurance carrier in your local area.

For example, you may see colorful signs in your local budget insurance office claiming cheap car insurance with no money down. That’s a selling point to get you in the door.

You may find when you visit such an office that indeed they do offer cheap insurance with no money down. But what are you getting for your money?

Are you getting rates from multiple companies? Do you even have the option for purchasing anything more than minimum liability insurance?

These are all things that need to be considered before visiting a budget insurance agent.

Budget insurance offices do provide a valuable service to those who don’t have the money for premium policies or might be limited in their choices.

But for the average consumer looking for competitive rates from multiple sources, the budget office is not your best resource.

Amateur Websites


The Internet is a great resource for instant car insurance quotes thanks to modern technology. But you have to be careful about the sites you use.

A site like this one, which provides good quality content of real value, is a good choice for beginning your auto insurance quote search.

On the other hand, sites that provide little or no valuable content are probably not designed to give you the best quote information either.

Even sites that offer a lot of content might be risky if the content is poorly written, full of grammar or spelling errors, and not relevant to the topic at hand. These are the websites to avoid.

According to the Insurance Information Institute, prices for auto insurance increased just over 3 percent between 2010 and 2011.

As a result, the industry has given rise to lots of website owners whose only interest is in generating ad clicks; they aren’t interested in helping you find the insurance you’re after.

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Benefits of Instant Car Insurance Rates

Though some who are used to the old paradigm of dealing with agents don’t necessarily like the idea of getting instant car insurance rates, the instant option does have its advantages.

  • In today’s fast-paced environment, few of us have time to put several hours into contacting agents and insurance companies just to get rates
  • Second, when you do find a resource for instant rates you are usually getting instant numbers which allow you to narrow down a long list of potential providers to two or three
  • Lastly, the whole idea of instant car insurance rates is based on the Internet. The convenience of being able to shop for insurance whenever you are available is invaluable

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Enter your ZIP code below to view companies that have cheap car insurance rates.

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Don’t Forget to Shop

The National Association of Insurance Commissioners (NAIC) reminds consumers of the need to shop around.

If you want the best possible policy at the best price, you’re most likely not going to find it with the first company you contact.

The NAIC also recommends consumers speak to friends and relatives about their car insurance before beginning the search for their own.

You should make sure you ask about claims service, as this is the one area where most disgruntled customers have had their problems.

Checking out Insurance Companies


Regardless of your source for instant car insurance rates, you should take the time to learn about any company you’re considering purchasing a policy from.

Good places to find information about insurance companies includes companies like JD Power and Associates and AM Best.

These companies research and rate everything from car insurance to the quality and fuel efficiency of the vehicles themselves as well as helping you to determine whether an insurance company is currently solvent.

Wrapping Up

It’s great to get instant quotes but it’s more important that those quotes be compared line-by-line.

To make things as easy as possible, make a point of providing identical information to every company from whom you are seeking a quote. That includes the types of coverage you’re looking for.

If the information is identical, you’ll find that most quotes are pretty similar in scope.

When all is said and done, you need a car insurance policy that adequately covers your vehicle, protects you from the risk of personal loss, and is something you can afford.

Your search for affordable auto insurance quotes begins as soon as you enter your ZIP code into our FREE search tool!

Free Car Insurance Comparison

Enter your ZIP code below to view companies that have cheap car insurance rates.

 Secured with SHA-256 Encryption