Where to Find Auto Insurance Comparison for Major Companies

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Things to Remember...
  • By taking the time to find and compare your car insurance options, not only will you save valuable dollars, but you will insure you’re protected from what could be costly damages if you’re involved in a car accident
  • Before you begin researching your car insurance options, it’s important to review your current coverage and assess what exactly you need moving forward
  • Independent agents and brokers are qualified professionals whose job is to advise consumers about various kinds of insurance and sell them the coverage they require, be it for their life, house, business or car
  • Once you’ve done the necessary research and compared the car insurance premiums that the major companies are offering, you’re set to purchase coverage for your vehicle

Find affordable car insurance from a major provider now by inserting your ZIP code into the FREE quote tool above!

While taking an active interest in finding the best and cheapest car insurance for your vehicle is not everyone’s cup of tea, researching what the major providers are offering is not as time-consuming as one might think.

In addition, by taking the time to find and compare your car insurance options, not only will you save valuable dollars, but you will insure you’re protected from what could be costly damages if you’re involved in a car accident.

Assess Your Needs

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Before you begin researching your car insurance options, it’s important to review your current coverage and assess what exactly you need moving forward.

The current policy you have may no longer reflect your current circumstances and driving habits, and as a result, you could require more or less coverage, which in turn, will affect what kind of premiums you should be paying.

Insurance providers consider several factors when they calculate your premiums and offer you a quote. Some of the things to consider before you begin your research are:

  • Do you still live in the same city, region or state?
  • Are you driving more often these days or in less busy traffic?
  • How often are you driving your car?
  • Does anyone else drive it?
  • What is the condition of your car?
  • Have you upgraded or changed your vehicle?

Any changes to your driving record or credit rating could also affect the insurance rate a provider will offer.

  • Have you been involved in any car accidents recently?
  • Have you received any tickets for speeding or incurred another traffic violation?
  • Have you been making your car insurance payments on time?

If your driving record has changed for the worse, or if you have had trouble paying your car insurance, providers might consider you a high-risk driver or customer and will likely increase your rates.

On the other hand, if you’ve continued to be a safe and reliable driver, and your circumstances haven’t changed, then you could be in store for a better insurance policy if you research and compare what the major providers are offering.

It’s important to remember that there are various insurance policies you can purchase for your car, and minimum insurance requirements can vary from state-to-state.

Certain non-profit organizations, like the Insurance Information Institute, provide extensive information about car insurance as a means to educate and assist consumers throughout the United States.

Independent Agents

Independent agents and brokers are qualified professionals whose job is to advise consumers about various kinds of insurance and sell them the coverage they require, be it for their life, house, business or car.

Due to the fact they do not work directly for a major insurance company, they are not typically partial to one or the other. This allows them to offer you insights and feedback on various providers throughout the industry.

In addition, because there are likely many independent agents that work in your city or local area, they might be more familiar with the traffic conditions and environment you personally encounter driving on a regular basis.

When you contact an independent agent, they will review your circumstances and ask you about your car insurance needs, so that they can present you with rates from several different providers.

Agents are required by law to pass a licensing exam before they can sell insurance, and in addition, many undertake additional education regarding the industry to provide their customers with as much information as possible. In other words, most independent agents are a reliable source from which to compare and purchase auto insurance premiums.

Some independent agents might charge a fee for their services, but depending on the rate they charge and the advice they give, utilizing a consultant could save you time and money in the long run.

Most independent insurance agents work for an independently operated firm, or for their own business, and list their contact information with Yellow Pages or on the Internet.

While many independent agents are diligent professionals and have extensive knowledge about the insurance industry, it’s always a good idea to conduct some research of your own as well, to ensure you have all your bases covered.

You can find out more about this kind of insurance provider through the Independent Insurance Agents and Brokers of America.

Banks

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If you’re accustomed to dealing with your bank regarding other financial matters, like your home mortgage, retirement funds and paying your monthly bills, then you could also inquire and see if your bank sells car insurance.

Many banks not only sell car insurance but similar to independent agents, they do not work for the major providers directly. They are yet another resource from which you can compare what each insurance company is offering.

While some banks have staff and licensed agents on site who will meet with you to discuss your auto insurance options, typically these institutions also have call centers that you can contact to get an analysis and quote.

In addition, many banks also provide informational resources about various car insurance providers and policies on their official websites.

Although buying car insurance from your bank can be a convenient way to do so, particularly because your bank can quickly set up an automatic payment schedule, doing your own research before you contact them is still a good idea.

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Clubs and Organizations

There are many automobile clubs and consumer advocacy organizations that you can draw from when you’re shopping for a new insurance policy. L

ike a bank or independent agent, these interests are typically not owned or partnered with the major insurance providers and can provide you with extensive information regarding car insurance options.

For example, the American Automobile Association is a non-profit association with over 50 independent vehicle clubs throughout North America, which offers various automobile-related services to its members.

While it may be most well-known for the roadside emergency services it oversees, the AAA also provides information regarding various kinds of car insurance policies and what might best suit your needs.

This includes determining an estimate for your insurance premiums and offering coverage from various providers. In addition, if you’re an AAA member, you may qualify for a discount on your car insurance.

There are also consumer advocacy groups and regulatory commissions, which actively study the insurance industry and publish their findings, often free, as a means to educate the public.

For example, the National Association of Insurance Commissioners offers extensive resources online that provides consumers with information and an unbiased evaluation of their car insurance needs.

Insurance Providers

Another way to compare car insurance premiums that major companies are offering is by contacting the businesses themselves one by one.

Insurance providers typically have agents ready to answer your questions and to offer you a quote by calling their 1-800 phone number or they can provide estimates via their official website.

While major companies may not have access to insurance rates that are being offered by their competitors, you could contact each provider and compare the estimates you’re given.

Online

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One of the more convenient and quickest ways to compare car insurance premiums is of course, by researching over the Internet.

In addition to the quotes and rates certain banks, organizations and the providers themselves might offer online, many websites provide extensive information about car insurance and offer free estimates.

These websites often utilize tools that will provide you free insurance quotes, which may require the year and make of your car, what the primary use is for your vehicle, how many miles you drive daily or annually and whether your car is leased.

Once again, be sure to do some of your own research about the kind of insurance you might need and what providers have good reputations beforehand so that you’re familiar with the kind of information these websites might provide.

Purchasing Car Insurance

Once you’ve done the necessary research and compared the car insurance premiums that the major companies are offering, you’re set to purchase coverage for your vehicle.

Before you do, make sure you review the cancellation policies that your previous provider mandates, so that you don’t incur any unwanted penalties or fines.

In addition, remember to check the new policy you’re purchasing one last time, so that you’re absolutely sure it provides the coverage you need at an affordable price.

Only cancel your current policy if you’ve purchased a new one so that your car doesn’t incur any breaks in its coverage. Remember that driving an uninsured vehicle is illegal, and could ruin you financially if you’re found responsible for causing a car accident.

Click here to find great car insurance rates now by entering your ZIP code into our FREE quote tool!

FREE Auto Insurance Comparison

Compare quotes from the top auto insurance companies and save!

 Secured with SHA-256 Encryption

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