Save Money by Comparing Online Car Insurance Quotes

As you prepare to buy car insurance, comparing online car insurance quotes before you settle on a policy is vital. When you compare car insurance policies before you buy, you give yourself the chance to find the right auto insurance coverage at the best price.

Consumers tend to find the best savings by comparing at least five car insurance quotes before making a commitment. Read on to learn how to get the best auto insurance rates by comparing quotes online.

If you are ready to take advantage of free car insurance quotes and get a policy that best fits your needs and budget, use our free quote comparison tool.

How to Get Online Car Insurance Quotes

The best way to make insurance companies reduce your rates is to make them compete for your business. Take the time to learn about your insurance options, and be prepared to walk away from a bad deal. Getting online insurance quotes provides consumers the opportunity to learn about their insurance options.

Quote Comparison Tools

You can get multiple insurance quotes without having to talk to an insurance agent or sales representative. At the Free Advice quote center, when you fill out an online car insurance quote form, you will be asked to provide driver, vehicle, claims, and violations information online in order to show you insurance quotes from multiple companies.

Car Insurance Companies

You can also visit each company site individually and request a single quote from each. Many insurers now offer instant rate quotes online, such as Allstate, e-surance.com, and Amica. Others, like Progressive insurance, even provide their rates and the estimated rates of their competitors.

However, you should be wary of individual companies that promise to give you other company’s rates. Insurance companies identify people they want to sell policies to and those they don’t want to sell policies to. They can easily manipulate quote comparisons to attract customers they want and discourage those they don’t.

Independent Insurance Agents

When you shop online without talking to an agent, it doesn’t mean you have to buy online without talking to an agent. Most online services give you the option of talking to a licensed agent before you buy.

Independent agents are a fantastic resource that can provide you with quotes from multiple companies all at once, making it easy to compare and save on your insurance coverage. If you’re interested in finding independent agents in your area, start by doing some research online.

Learn more: What to Know About Car Insurance Agents Before You Buy 

Specialty Agencies For High-Risk Drivers

If you’re considered a high-risk driver due to incidents like a DUI, don’t despair! Plenty of specialty agencies can help you find the proper coverage you need to get back on the road. These agencies are experts in helping people with nonstandard coverage needs and can provide you with a wide range of options to fit your unique situation.

Specialty agents can also help you find affordable coverage available through different insurance companies. So, if you need help finding coverage due to past incidents on your driving record, consider contacting a specialty agency today.

Remember, though, that car insurance quotes do not commit you! You will not have to buy from a company with a bad car insurance rate or stay with your company when it raises yours rates. Getting online car insurance quotes will give you the chance to lower your car insurance rates without committing to any purchase!

What to Look For in an Online Car Insurance Quote

Getting a lower rate is only part of the equation. It is important to look at what services the insurer provides. Consider the following service options when you are getting your online insurance quotes:

• Many insurers have add-on features such as emergency road service available for a nominal charge.
• Some companies offer the opportunity to bundle home and auto insurance. Bundling often results in a lower overall cost for both policies, but ensuring coverage and benefits meet your needs and budget is essential.
• Others have independent agencies throughout the U.S., so you can deal with a live person instead of trading e-mails and phone calls.
• Some offer car insurance deductible rewards, which provide an immediate $100 off collision coverage deductible and an additional $100 off for each year of accident-free driving. Learn more: How to Lower Your Car Insurance by Choosing the Best Deductible
• Some companies have simply built reputations for being easy to work with by having easy-to-understand claims processes and helpful agents that can relieve the stress of managing the aftermath of a car accident.

You should also determine the level of coverage you need when getting your quote. Do you require full coverage with all the bells and whistles, or would liability-only insurance suffice? Consider your vehicle and unique needs to determine which coverage options work best.

Additionally, think about any specialty coverages you may need, such as roadside assistance, GAP insurance, or new car replacement. These add-on coverages may be beneficial depending on your specific circumstances.

TIP: When you get your online car insurance quote, know what additional services are important to you and what you expect from your insurance company beyond the cost of your premium payments!

How to Compare Online Car Insurance Quotes

Once you have narrowed your car insurance quotes down to a manageable number, you must compare them. It helps to have a copy of your current auto policy handy when obtaining your quotes so you can identify what you want out of an auto insurance plan.

When comparing auto insurance, look at the prices available for the coverage you need and the quality of the insurance company. Only you will know what is important to you when shopping for car insurance, so take the time to thoroughly compare your auto insurance quotes before making a decision about which policy to purchase.

TIP: If buying car insurance just based on price, you could end up paying more later by not having enough car insurance coverage or being stuck with an insurance company that is either unable to pay your claim or is inclined to find a way not to pay you!

Before deciding on any auto insurance quote, you should check out the insurance carrier to make sure the company has an acceptable rating in the insurance industry. Stick with companies that rate excellent or very good in the top categories and have good customer reviews.

When You Should Compare Online Car Insurance Quotes

Comparing car insurance companies is especially important when you’ve moved, as location directly affects your premiums. It is also important to compare auto insurance companies when circumstances in your life have changed, such as retirement, marriage, adding a teenager to your policy, adding another vehicle, whether the amount you drive has changed, or if you’ve purchased a new vehicle.

Learn more: How Insurance Companies Calculate Your Car Insurance Rate 

Changed circumstances cause insurers to re-evaluate their risk, and since all insurers use different methods to evaluate that risk, your current provider may not always have the best price for your new circumstances.

When you are ready to get an online car insurance quote, visit the FreeAdvice.com online car insurance quote center to get started!

Case Studies: Comparing Online Car Insurance Quotes

Case Study 1: Lower Rates With Comparable Coverage

Amy is looking for car insurance and decides to compare online quotes from different insurance companies. She gathers quotes from five different providers and carefully reviews the coverage options. Amy discovers that one company offers the same level of coverage as her current policy but at a significantly lower rate. By comparing quotes, she finds a better deal without compromising on coverage.

Case Study 2: Additional Service Options

Mark recently purchased a new car and wants to find car insurance that includes roadside assistance. He obtains online quotes from multiple insurers and compares the additional service options they offer. One insurance company provides comprehensive coverage along with 24/7 roadside assistance, which is essential for Mark. By comparing quotes, he finds a policy that meets all his needs.

Case Study 3: Evaluating Insurance Companies

Sarah has been with the same insurance company for years and hasn’t compared quotes in a while. She decides to shop around and obtain online car insurance quotes from several insurers. During her research, she discovers that her current insurance company has average customer reviews and a lower rating in the industry. Sarah uses this information to compare quotes and ultimately switches to an insurer with excellent ratings and positive customer feedback.

The Final Word on Comparing Online Car Insurance Quotes

Finding the perfect car insurance coverage can take time, but it’s worth the effort to ensure you’re getting the best deal possible. Don’t let anyone rush you into deciding before you’re ready. After taking the time to research, compare quotes, and evaluate your needs and budget, you should be able to confidently pick a policy that offers the right coverage at the best price.

With multiple car insurance quotes, you can find a car insurance policy that gives you peace of mind and fits your budget. Use our free quote comparison tool to quickly find the best online car insurance quotes from companies in your area.