6 Reasons to Estimate Auto Insurance Rates Online

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Things to Remember...
  • When shopping for car insurance, it’s best to compare quotes from at least three different companies
  • The auto insurance company that can provide the best coverage for your particular needs at the best price is whom you want to give your business
  • Check with the BBB for any potential problems with your chosen carrier before making a final decision

If you own a vehicle and intend to drive it anywhere within the country, you will need to have it insured by a licensed auto insurance company. Comparing auto insurance rates online before purchasing a policy could save you quite a bit of money in the long run.

Comparison-shopping may take a little bit of your time, but it can be the best move you make when it comes to getting an idea of what the best estimate is for your auto insurance. We have prepared six supporting reasons why you should always get an estimate online before you decide to buy an auto insurance policy.

Enter your zip code into the FREE search box above and see just how much you can save on your car insurance!

Different Auto Insurance Agencies Offer Different Discounts

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Not every auto insurance agency is created equal. Different companies offer different services. Some auto insurance companies offer coverage in certain states but not in others due to license restrictions.

They may only be licensed in a particular state, so if you need auto insurance in a different state, they cannot offer any auto insurance coverage to you.

Some auto insurance agencies are able to offer discounts for bundling your home or renters insurance with your auto insurance in one nice little package.

The auto insurance company that can provide the best coverage for your particular needs at the best price is probably the company with whom you want to give your business.

This can be accomplished by proactively searching for every discount that could be available to you that will make your auto insurance estimate decrease.

Some discounts that you should always look for when shopping online for your auto insurance estimates are those for:

  • Adding a teen driver to your policy if they have maintained good grades
  • Drivers over the age of 50 or retired
  • Low mileage to and from work
  • Multiple cars on one policy
  • Professional association groups
  • Active military or veteran status
  • Drivers on your policy who have taken and passed a defensive driving or safe driver’s course

Different auto insurance companies may not offer the same discounts, but it does not hurt to ask.

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Estimates Can Be Used Against Competing Companies

For every company that sells a product, there is a competing company selling the same product at a better price, or so they claim in their marketing pitch.

When you search for your insurance estimates online, you can find a multitude of them from a vast variety of companies.

When you get an online estimate from one insurance company, be sure to mention that estimate in your next search. If you have a few insurance quotes that you obtained online, call their competitors.

Mention what the other estimates cost and ask them if they have some special discount that might be applied that will provide the same exact policy (or a better one) for a lower price.

Mention what the other estimates cost and ask them if they have some special discount that might be applied that will provide the same exact policy (or a better one) for a lower price.

By using your insurance estimates as a tool, this shows the insurance agencies that you have done your homework, and you are not to be fooled by the first shine policy to come along.

The Insurance Information Institute (III) provides some great information on the factors that you should take into consideration when deciding upon which auto insurance company to choose:

  • Licensing
  • Price of the policy they are offering
  • Financial stability
  • Type of customer service provided to you through either email, via telephone, or text chat
  • How comfortable you are with that company
  • What the company is promising you

Compare the FAQ Sections of Multiple Auto Insurance Companies

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No one has the time or energy to read the very small print at the end of those endless contracts that you have to read when buying auto insurance. However, when you shop online for your estimate, you can take as long as you need to check out the ins and outs of each company.

The FAQ section of an insurance company is important because other people who are just like you have the same questions that you probably do.

Check out the rating of any insurance company you come across. The Better Business Bureau (BBB) offers ratings of thousands of businesses. You can see exactly how that company scores and if they are accredited at the BBB website.

Moody’s Analytics statistics show that auto-related credit is increasing, which means that more people are buying vehicles. Those vehicles need to be insured. You can view these current market analyses for free.

There May be Unadvertised Special Rates Available to You

When you search the Internet for auto insurance, you need to be at least a little bit familiar with search engines. Keywords are important. If you do not use the correct keywords in your search criteria, you may miss an entire web page of discounts for which you may qualify.

By searching different auto insurance websites, you are looking for the best coverage that you can find that will meet your needs.

The information that you enter must be accurate to the best of your knowledge to get the correct quote. If your information is incomplete, you could be missing out on a lower rate.

The Internet offers a lot of rates that you can easily gather for yourself. However, sometimes there are unadvertised specials that are not on the web. When you get a rate online, call the auto insurance agency and double check that what you found on the Internet is indeed the fairest rate available.

Free Education on Insurance Shopping Online

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The world of auto insurance can be confusing. The terminology that’s used can seem like a foreign language. However, by searching for your auto insurance quotes online, you can have an extra benefit of being able to find the answer to those baffling questions.

The Internet is a world of unlimited knowledge. If you read something on an insurance website that you do not understand, use a search engine such as Yahoo or Google to search for a definition of that particular thing.

By having all of these research tools at your fingertips, the insurance world is much easier to understand.

According to the Kelly Blue Book, the minimum number of auto insurance estimates that you should have before making purchasing an insurance policy is no less than three. Three is the magic number because it helps to incorporate enough information to either strengthen all of your data or be a tiebreaker if you need it.

By obtaining at least three auto insurance quotes, you should enough data to be able to negotiate with competing auto insurance companies for the best rate possible.

If you take the first insurance policy that is offered without doing a little online research, you may be making a big mistake that could cost you hundreds or even thousands of dollars every year.

There is No Time Limit

Most working class Americans spend eight to 12 hours a day at their office or workplace, which usually takes place during normal business hours.

By shopping for your auto insurance estimate online, you can comparison shop on your own schedule. The Internet does not lock up shop at five o’clock or close on the weekends. If you have access to the World Wide Web, then you have the world at your feet.

Websites are accessible 24 hours a day. Whatever your schedule may be, insurance quotes are available. In addition, sometimes there are insurance agents available via telephone or Internet chat 24/7 as well who can offer instant answers to any questions that you may have.

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