Have you fallen victim to overpriced auto insurance? Trust us, you are not the only one feeling buyer’s remorse. With so many companies to choose from, it can be impossible to locate a more affordable auto insurance company.
The majority of larger companies allow consumers to get price estimates directly from their websites. Getting quotes is easy for anyone as you just enter your coverage information as requested by the quote form. After you submit the form their rating system gets credit information and your driving record and generates a price based on the data you entered. This makes comparing rates easy, but the time it takes to visit multiple sites and type in your information can be a bit repetitive. But it’s also necessary to compare as many rates as possible if you want to get the lowest possible prices on auto insurance.
The easy way to compare rates
The easiest way to get multiple rate quotes uses just one form that gets price quotes from more than one company. It’s a real time-saver, eliminates form submissions, and makes rate comparisons much easier to do. Once the form is submitted, it is quoted with multiple companies and you can pick any one of the quote results. If the quotes result in lower rates, you can simply submit the application and buy the new coverage. It takes 15 minutes at the most and you will know how your current rates stack up.
To find out what other companies charge, simply click here to open in new window and submit your coverage information. To compare your current rates, we recommend you type in deductibles and limits identical to your current policy. Doing this assures you will have a fair comparison based on similar coverages.
You are unique and your auto insurance should be too
When choosing proper insurance coverage for your vehicles, there really is no single plan that fits everyone. Everyone’s situation is unique so your insurance needs to address that. These are some specific questions might help in determining if your situation might need an agent’s assistance.
- Is my nanny covered when driving my vehicle?
- When would I need additional glass coverage?
- At what point should I drop full coverage?
- Does liability extend to a camper or trailer?
- Should I buy more coverage than the required minimum liability coverage?
- What is the difference between comprehensive and collision coverage?
- Is my business laptop covered if it gets stolen from my vehicle?
- What can I do if my company won’t pay a claim?
If it’s difficult to answer those questions but a few of them apply then you might want to talk to a licensed agent. To find lower rates from a local agent, take a second and complete this form or you can also visit this page to select a carrier It’s fast, free and can provide invaluable advice.
Captive versus independent insurance agencies
Many people would prefer to talk to an insurance agent and that is not a bad decision Agents are highly skilled in risk management and help you file claims. The biggest benefit of comparing insurance prices online is that you can obtain cheaper prices but still work with a licensed agent.
After completing this quick form, your insurance data is immediately sent to insurance agents who can give free rate quotes for your insurance coverage. You don’t have to find an agent on your own since rate quotes are delivered directly to your email. If you need to get a comparison quote from one company in particular, feel free to jump over to their website to submit a rate quote request.
Finding the right company requires you to look at more than just the quoted price. These are some valid questions you should ask.
- Do they have designations such as AIC, CPCU, or CIC?
- Do they regularly work with personal auto policies?
- Where are claims handled?
- Do they have a Better Business Bureau rating?
- Do they have cheaper tiers of coverage?
When searching for a reliable insurance agency, there are two types of insurance agents and how they can write your policy. agents are either independent agents or captive agents depending on their employer. Both types can insure your vehicles, but it’s important to point out the difference in the companies they write for since it could factor into the selection process.
Captive Agents
Agents that choose to be captive can usually just insure with one company and examples are American Family, State Farm, and AAA. These agents are unable to shop your coverage around so it’s a take it or leave it situation. Captive insurance agents are very knowledgeable in insurance sales which helps them compete with independent agents.
Independent Insurance Agents
Agents of this type do not work for one specific company and that gives them the ability to insure with multiple insurance companies and find you cheaper rates. If they find a lower price, they simply move your policy to a different company and you can keep the same agent. When comparing auto insurance prices, it’s a good idea to compare quotes from several independent insurance agents to get the most accurate price comparison.
To locate agents near you, click to locate an insurance agent.
