Getting Good Car Insurance Quotes Online Can Save You Time and Money

Getting several free auto insurance quotes is the way to go if you want to know what your best rate is. It can save you a lot of money if you are willing to look around and do your homework. Here’s how you go about getting your free auto insurance quotes.

First, find a website that will act as your broker for all of your insurance needs. Some sites only allow you to request quotes from one insurance company. Others will let you request up to five. Get at least three free auto insurance quotes from an independent agent, a captive agent or an online broker to see if you really have a good deal on the coverage you need.

Now, go over each of these three free auto insurance quotes and decide which one best suits your needs. The best way to do this is by listing your driving record, the kind of vehicle you drive, and the coverage limits you desire. In general, you want to get cheap car insurance online quotes from agents who are more knowledgeable to the requirements of your state. If you don’t know your state requirements, find out before you ask for a free quote. Agents who specialize in certain coverage limits may be able to find you coverage limits at a discount if they don’t have a whole lot of experience selling them.

A captive agent is one who works for just one company. They receive a commission based on your premium by providing the service of buying and selling coverage for that one company. This is one reason why agents tend to be more knowledgeable than independent agents. However, you must make sure that your captive agent is not working for any company that is not required by law to provide coverage to the insured. Some companies, such as auto manufacturers, may be required to purchase the insurance through them. So, you must be aware of the policy for these companies when deciding to use a captive agent.

An independent agent will have a wide variety of companies to choose from, so you are more likely to obtain a lower quote if you pick an experienced agent with lots of companies to choose from. They will also be familiar with how each company does business and have access to very good credit to negotiate a better rate. A good credit score is important because it indicates that you have been paying your bills on time. When you are shopping for auto coverage online, make sure you are using an experienced company with a good track record and lots of happy customers.

The most important thing to remember when you are shopping for car insurance quotes is to choose the carrier that can offer you the most reasonable premiums. If you do not comparison shop, you may end up with a high deductible that costs more than the lowest premiums you find. A policy that is too expensive may result in you paying too much out of pocket for your coverage. Do your homework before you buy and you will find a company that provides the best service and price for your needs.

Author: Trimwell