Getting car insurance is a legal necessity that is part of everyday life. If you own a car, you will need to financially protect it, as well as get financial protection from the high costs of a car accident. It can be overwhelming trying to decide how to get car insurance, but this confusing process has been made much simpler through technology. Using the Internet, you can get fast quotes from multiple auto insurance companies on broker or comparative insurance websites. By getting a number of quotes, you have the ability to compare different policies to decide on the best one for you. The automation on comparative websites makes the whole process of getting a number of auto quotes much easier than ever before. Try it for your by entering your ZIP code into the FREE tool above!
In the past, it cost money to get an insurance quote. Things used to be far different than they are now. Since it cost an insurance agent time to calculate a customized quote, this was considered work that you had to pay for because you were taking up an employee’s time. Usually, the only way you could get a free quote was if you agreed to buy the insurance plan. In that case, the fee for the quote was waived.
Things have changed for two reasons:
First, the insurance industry has become much more competitive and those companies who offered free quotes tended to get more business.Second, the Internet has automated the process of calculating quotes, so it no longer costs a company time to get one for you.
Consequently, today, if you are asked to pay for a quote, you know that you are dealing with a highly inefficient insurance company that has not kept pace with the demands of modern life and you should not buy an insurance policy from them. If they have trouble dealing with the automated process of issuing a quote, then imagine how difficult it will be for them to honor a claim that you may have to make in the future once you have bought their policy.
Once you have received enough quotes to decide on where you want to insure your car, your work has actually just begun.
You now have to decide on the answer to these three questions:
Which insurance company offers the best price? How much coverage do I get for the price I pay on my annual premiums? When considering price and coverage, which company offers me the best car insurance?
While it is not necessary to go online to get a quote, you can always call an insurance agency or visit their offices, an online quote is the fastest way to get the information that you need from multiple insurance companies.
Besides the time necessary to make telephone calls or drive around to the various offices, the manual process of getting a quotation is itself time-consuming. On average, the typical quotation questionnaire asks you over 100 questions to offer you a customized quote. Additionally, you have to answer each question exactly in the same way to get valid quotes. By changing just a few answers, it changes the way the quote is calculated. This makes it impossible to make a fair comparison between different insurance companies.
In the past, when you asked for cheap insurance, it would not offer much coverage. It was cheap because it did not buy much. Fortunately, today, it’s possible to get cheap insurance and still get great coverage. The way to find this cheap insurance, however, does take some time and effort to research.
This process of finding a cheap quote is made much simpler when you get multiple quotes to compare alongside each other.
Their process makes it easy to weed out the insurance companies that charge more than their competitors without providing additional value.
An insurance rate fluctuates depending on macro-economic factors within the insurance industry or within the country as a whole. For example, during a period when there are a large number of claims, the rates go up. Then, at other times, in order to win more customers, the rates may go down. For this reason a cheap price may reflect market conditions rather than a loss of coverage.
A broker website is one that represents a number of insurance companies. These websites offer 7 distinct advantages over visiting each insurance company’s website individually:
You don’t have to share sensitive personal information like your social security number.You only have to fill out a single online form to receive a number of free quotes from many insurance companies. Moreover, these forms are easy to fill out, requiring the answer to just a few questions.You are not asked to go through a credit check to get your free quote.It generally takes an average of 5 to 10 minutes to get a quote, with the average time being around 6 minutes.You can easily compare quotes alongside each other by putting the data into a spreadsheet to see the differences between premiums and the coverage received for the price paid.You can use the online form a number of times, changing the variables slightly with each set of new submissions, without having to input all your data from scratch.You can buy your policy online as soon as you’ve decided which insurance company you like. In a few minutes, you will be able to print out your proof of coverage and can legally drive your car on public roads. A few days later, you will receive all the contract information in the mail, which you have to sign and return to state that you agree with all the terms and conditions of the policy you selected.
Using a comparative website offers many more advantages than any other method when it comes to getting free quotes from multiple auto insurance companies. The speed and accuracy of these quotes makes it much easier to compare insurance premiums and policies. With all this data at your fingertips, it is easy to make a sound buying decision. Be sure to try our FREE auto insurance comparison tool below by entering your ZIP code now!