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Where to Find Online Quote Estimates for Car Insurance

Here's what you need to know...
  • There are a number of great tools available to help motorists in search of a new car insurance policy
  • Eliminate the guesswork from the process by contacting state insurance departments to find rates
  • Seeking a quote directly through a company’s website will lead right into an instant signup process
Shopping for a new car insurance policy is often considered one of the necessary evils of owning a vehicle.

However, a smart driver who compares quotes, investigates state regulations, and uses all of the resources available will achieve a low premium.

Use all sorts of resources from comparison shopping tools to state insurance department websites to find car insurance rates.

All these resources should be used in combination to get the best car insurance estimate. Enter your ZIP code in our comparison tool and receive FREE car insurance quotes to compare.

State Regulatory Agencies Provide a Great Overview

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When most people begin the process of shopping for a new car insurance policy, they almost always start visiting the insurance agencies’ websites to fill out a quote form.

But, interestingly enough, customers in the market for the best-priced car insurance would be well-served by visiting those websites last.

Instead, start with a top-down approach that goes straight the state’s insurance regulatory agency in order to get an overview of state procedures and average rates.

Most state insurance departments maintain a list of all companies which serve the state, and they also include a list of average quotes for each company in their database.

State insurance regulation departments also clarify which type of coverage is needed for each type of driver, whether it’s a younger driver, one who is financing or leasing a vehicle, or someone who is looking to purchase state minimum coverage limits.

Online Insurance Quote Comparison Tools Give Great Estimates

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The first step toward getting an affordable estimate is to know state laws and average policy costs.

The second step, which is equally important, is to see the rates that local insurance agencies are offering to consumers.

Because there are dozens of insurance agencies in every state, that could be a time-consuming process that stretches over several days. Most people simply do not have several days when shopping for insurance.

Instead, online insurance quote comparison tools gather a universal set of data from customers and they submit that data to all of the major and participating insurance companies.

In the process, consumers will be able to see not only the overall cost of the policy but how that money is being applied. They’ll notice any difference in deductible amounts, types of coverage, and extra features a policy offers.

Understanding the money application will help them make a smart decision that won’t break the budget or present an unpleasant surprise in the event of an accident.

Consumers should, of course, keep their state’s coverage requirements and average policy costs in mind.

If an insurance company is offering a senselessly high rate or one which simply doesn’t coincide with a driver’s record and credit history, it’s time to call that company up and inquire as to the reason for such a high price of coverage.

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Don’t Forget Insurance Company Websites

While the process of submitting a site-by-site set of information and retrieving quote can be needlessly time-consuming in many cases, it’s still the best way for consumers to know exactly which company they want to choose for their coverage.

For the new driver, vehicle owner, or the driver whose coverage has lapsed, this is the quickest and easiest way to get back on the road.

Insurance company websites themselves are also great resources to check when seeking information on discount policies, bundled liability coverage packages, and information about payments, mobile applications, or certain specialty car coverage information.

Don’t mistake the inconvenience of an insurance company’s website with the necessity to visit that website to learn about savings and fine print.

How many quotes are enough to make a good comparison?

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Before the Internet, it was necessary to spend hours talking to agents from different companies to compare rates.

Today, however, it is possible to get the same information in one or two hours because of technology.

With numerous quotes available at the click of a mouse button, it can be overwhelming trying to decide which company to choose from.

Here are some tips to make the selection process easier:

  1. Most insurance experts recommend a minimum of three quotations to make a sound financial decision. You should have enough information with three quotes to make a reasonably good decision.
  2. Compare only the same insurance products with each other. Using only a few variables like premium and coverage makes it easier to decide.
  3. Choose a mix of familiar companies with those you may not know much about. A lesser-known company may be able to offer you coverage at a better price.

While you can do the bulk of your research online, you are still able to call a company if you have questions that they do not answer on their website.

Car Insurance Quotes Are Usually Free

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Most reputable insurance companies consider offering quotation services as the price of business.

Automotive insurance companies understand that consumers have every right to compare prices, features, products, and services when looking for insurance.

With the fierce competition for your business online, it simply makes no sense to charge you for the cost of building a website, delivering an email, or getting an agent to call you with a quote.

Buying a car insurance policy is much like buying a car. Always research, compare, and call, when looking for the best price on car insurance.

Use our comparison tool below to receive FREE car insurance quotes now!

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