Keith Baxter : What do you excatly mean when you say apples to apples when you compare auto insurance quotes or review car insurance coverage. Is it not that we need to get only the low auto insurance rate? Why should you bother with anything else.

Compare auto insurance , review car insurance for getting optimum coverage and low auto insurance rates

Response : Keith unfortunately, most of us tend to forget the main purpose of auto insurance which is to have the car insurance coverage so that we are covered for an unfortunate incident which can cause a major loss. We forget this main objective and wholeheartedly focus on getting low auto insurance rates – even $1/- difference seems right. We rush to a site which gives us $457/- less on our auto insurance, but does not pick up our exposures!!!

Anyway let me elobrate what we mean by apples to apples – this termilogy applies both to us looking to compare auto insurance quotes or review car insurance for low auto insurance rates and also the underwriters of the insurance company who are having a auto insurance rating matirx. As an applicant when we are comparing auto insurance qutoes online, we need to compare the same coverage and same limits for each web-site or insurance company that we attempt the car insurance quotes.

On the other hand the underwriter of the insurance company must also classify us in the right category for rating when they are giving the auto insurance rates.

Hopefully this will help you.

Thanks.
Kamlesh

Janet Jackson: How are zip codes used in calculating auto insurance quotes?

Response: Comparing auto insurance quotes is becoming very easy as time passes and this is the truth. Machines are soon replacing the humans and the insurance agents and it is time the insurance agents also accept this reality. Auto insurance rates are based on the geographical locations since the car insurance companies develop their data base on the geographical location. The auto insurance claims for the area and premium generated in the area will form the base of the base premium for that area. Now zip codes are associated with the geographical area and so as soon as the zip code is filled in the base premium or the base rate as the auto insurers or underwriters call it is decided. To this base rate is the loading of the type of car, the drivers, the driver history and other factors. Dedeuction of the discounts is than done and finally the final auto insurance quote is arrived at.

Most online car insurance rate calculators require that consumers enter the personal, vehicle and driver record details. Once this is filled than the online calculators will just be produce the quote and with the advanced technology you will get the quotes from about 5-6 auto insurance quotes. Check it out yourself right here. Compare auto insurance quote now and bank in your profits in terms of savings.