What are the easiest places to find quotes for car insurance?

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Here's what you need to know...
  • You can get insurance quotes online, through the mail, over the phone, or in person from an independent insurance agent
  • Insurance rates change over time, and you may find that you are carrying too much or too little coverage for your risk profile
  • When gathering insurance quotes, watch for red flags and protect yourself from bad information or making an uninformed decision

Today, Americans have more options for car insurance providers and plans than ever before. While these options afford more choices, it can also make shopping for car insurance seem like an overwhelming endeavor.

Knowing exactly where to look for the best car insurance quotes can save you time and money when shopping for new car insurance. Just follow the simple tips below to find easy and cheap car insurance!

Enter your ZIP code right now into the FREE box on this page to get auto insurance quotes from great companies near you!

What You Need to Do before You Look for Quotes

 

Finding car insurance quotes in relatively easy. However, these quotes really won’t mean much if you don’t understand what you’re looking for.

Before you start shopping for car insurance quotes, make sure to take some time to sit down and lay out exactly what your insurance needs are.

Even if you currently have insurance and not much has changed in your circumstances, don’t assume that the features and coverage levels in your old policy are still applicable to your current needs.

  1. Look into your state’s requirements for minimum coverage. Contact your local DMV for this information, as requirements vary from state to state and may change frequently.
  2. Think about how your specific profile, risk factors, and financial situation impact your car insurance preferences. Would you prefer a low premium and a high deductible, or the other way around?
  3. Be realistic about what you are willing and able to spend on car insurance. You will want to be sure that your needs are well aligned with your budget. To understand the drivers of your car insurance costs, research with a reputable source such as the Insurance Information Institute.

Shopping for Car Insurance Online

 

Many consumers begin their car insurance shopping experience online. Soliciting quotes for car insurance online can be quick, easy, and convenient. You will also have access to a wide range of car insurance providers.

If you know which car insurance companies you are interested in getting quotes from, you can go to their websites directly.

You also can use an insurance search engine to quote with multiple companies at once. Getting a car insurance quote online is relatively straightforward and generally only takes about ten or fifteen minutes.

You will have to provide some information, such as the following:

  • your personal information
  • details about the type of car you own
  • other drivers in your family
  • your driving record

In many cases, you can receive a near-immediate quote back from a potential insurer when you complete an online quote request.

In some cases, the insurer may choose to follow up with a phone call or send you your quote in the mail.

Using an Independent Insurance Agent

While Internet quotes can be quick and easy, those who are looking for a more personal interaction may want to meet with an independent insurance agent. These agents may represent several different insurance companies and can help you receive a quote from any of them.

Working directly with an agent is a good idea if you have a lot of questions or if you would like to be more guided through the process of choosing a car insurance company.

To find an independent insurance agent in your area, check the white pages or complete an online search. Check out the agent’s reviews and reputation before you visit.

Try a search with the Better Business Bureau to validate consumer feedback about the agent.

Car Insurance Quotes via Phone or Mail

 

You can also find car insurance quotes via the phone or mail.

A quote over the phone gives you the opportunity to speak to a representative of the company and ask specific questions. You can learn more about the policies offered, any discounts that may be available, or what payment plans are like.

In addition, you can be sure that you are giving the company the most comprehensive information possible in order to get an accurate quote that is tailored to your needs.

Some people still choose to request insurance quotes via mail. This is a slower and more time-consuming option but is viable for those who don’t have access to the Internet and would prefer to put their information in writing.

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What to Watch Out for When Collecting Car Insurance Quotes

Make sure that the quotes you are comparing are for similar coverage. Some insurance companies will try to lure consumers with an extremely low quote.

However, when you finalize your policy and add all the necessary coverage, it ends up being a lot more expensive than you had planned.

Since you’ve already taken the time to identify exactly what your insurance needs are, make sure that each quote you receive includes the policy features that you defined.

You should also be sure that you’ve given enough information to get an accurate quote. Be wary of any insurer that provides a quote based on very limited information, such as just your address and the make and model of your car.

Insurers need detail in order to accurately assess your risk profile and provide an appropriate quote.

Often, this includes a credit check as well as a background report on your driving record. If this hasn’t been done, then your quote is probably either too high or subject to change upon finalization.

Choosing the Right Car Insurance Provider for Your Needs

 

Once you’ve gathered all of your quotes, it’s time to make a decision on your car insurance provider.

Many consumers make the mistake of choosing an insurer solely based on how much the policy costs.

One of the first steps in choosing a potential insurer is to investigate their ratings and reviews.

Look for an independent consumer review board such as J.D. Power and Associates or A.M. Best. These companies provide detailed and unbiased reviews based on consumer feedback.

Remember, the best price doesn’t help you much if you won’t be able to reach a representative or if your valid claims will be denied!

Getting the right car insurance quotes can be easy when you know what you are looking for and where to look.

Enter your ZIP code in the FREE search box found below to get car insurance quotes in your area!

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