Have you fallen victim to high-priced car insurance? Trust us, there are many consumers feeling the pinch from expensive car insurance.
There are many car insurance companies to pick from, and although it’s a good thing to have a choice, it makes it harder to find a good deal.
Finding the best rates is not that difficult. If you are paying for car insurance now, you should be able to reduce your rates substantially using this strategy. Although car owners must learn the methods companies use to sell insurance online and use this information to your advantage.
Compare Car Insurance Today
Most major insurance companies such as GEICO, State Farm and Progressive give coverage prices on the web. Getting online quotes is fairly straightforward as you simply enter your personal and coverage information into the quote form. Behind the scenes, their rating system requests reports for credit and driving violations and provides a quote based on many factors. Online quotes makes it a lot easier to compare rates but having to visit many different websites and enter the same data into a form can be a bit tiresome and repetitive. Unfortunately, it is important to get many rate quotes in order to find better prices.
A more efficient way to find lower prices utilizes a single form that gets price quotes from multiple companies. This type of form saves time, eliminates repetitive work, and makes online quotes much more enjoyable and efficient. After sending the form, it gets priced with multiple companies and you can pick any of the quote results. If you find a better price you can click and sign and purchase the new policy. The entire process takes less than 15 minutes and you will find out if you’re overpaying now.
To find out how much you can save on car insurance, click here and input your coverage information. If you currently have coverage, we recommend you enter the insurance coverages as shown on your current policy. This ensures you will get rate comparison quotes based on similar coverages.
Situations that might require an agent
When buying proper insurance coverage, there isn’t really a single plan that fits everyone. Everyone’s situation is unique so your insurance should reflect that Here are some questions about coverages that may help highlight whether you will benefit from professional help.
- Do all my vehicles need collision coverage?
- When do I need to add a new car to my policy?
- When would I need rental car insurance?
- Do I need motorclub coverage?
- Is my Acura CSX covered for smoke damage?
- When would I need additional glass coverage?
- Does my policy pay for OEM or aftermarket parts?
- Can I pay claims out-of-pocket if I buy high deductibles?
- Does having multiple vehicles earn me a discount?
If it’s difficult to answer those questions then you might want to talk to an insurance agent. To find an agent in your area, fill out this quick form or go to this page to view a list of companies.
What happened to insurance agents?
Some people just want to get advice from a local agent. The biggest benefit of comparing rates online is you may find the lowest rates and still have an agent to talk to.
To make it easy to find an agent, after completing this quick form, your coverage information is transmitted to participating agents who will give you bids to get your business. You never need to drive around because quoted prices will be sent to your email. It doesn’t get any easier! It’s the lowest rates and a licensed agent to work with.
Choosing an insurer needs to be determined by more than just the price. Any agent should have no problem answering these questions:
- What is the agency’s Better Business Bureau rating?
- How long has their agency been in business?
- Did they already check your driving record and credit reports?
- Do clients work directly with the agent or are most inquiries handled by a CSR?
- Can glass repairs be made at your home?
- Is working in the agency their full-time job?
- Are they able to influence company decisions when a claim is filed?
- If your car is totalled, how to they determine the replacement cost?
Two types of insurance agents
If you’re trying to find a reliable agent, you need to know there are two different agency structures from which to choose. Agents are categorized either captive or independent (non-captive).
Captive Agents
These agents have only one company to place business with like Liberty Mutual, Allstate, Farmers Insurance or State Farm. These agents are not able to provide prices from multiple companies so they are skilled at selling on more than just price. Captives receive extensive training on their company’s products which helps them sell insurance even at higher premiums.
Independent Agencies or Brokers
These agents are not employed by any specific company but rather can write business amongst many companies enabling the ability to shop coverage around. To transfer your coverage to a different company, the business is moved internally and that require little work on your part. When comparison shopping, you should always contact at least one independent agent to get the best comparison.
For a complete listing of agents, click here.
Once you have received positive feedback to all your questions and an affordable coverage quote, most likely you have located an auto insurance agent that is a good match to service your policy.
