Comparing Cheap Car Insurance Companies – Where is the Best Place to Compare Car Insurance Quotes?

Q: How can I compare cheap car insurance companies? I really don’t want to spend a week trying to track down new auto insurance coverage, what would you recommend?

A: If we had a nickel for every time we were asked this we could get out of the car insurance business. Seriously though, the truth is, there are 3 ways to compare cheap car insurance quotes:

1. Getting on the phone
2. Getting a quote from a website
3. Visiting an agent in person.

As we have advised many drivers; obtaining auto insurance quotes online is your best bet because it is a major time saver and allows you to quickly find the best deal.

Shopping for automobile coverage online may seem intimidating to some who don’t have a lot of computer experience, but it’s actually very simple. Basically, you enter your zip code into a form and answer questions asked by providers right over your computer. That’s it!

Unfortunately, most drivers get lazy and don’t take the time to research different car insurance companies prior to making their decision. The result is, they pay a lot more for their car insurance than they have to. Don’t fall into this trap, spend the time to get online today and compare quotes on different policies from a variety of providers and you’ll end up saving money on your annual premiums.

Good luck with your search for cheap car insurance, there are some great deals out there from excellent companies — it just takes a little bit of research to find the best prices!

Compare Cheap Car Insurance Quotes

When you compare cheap car insurance quotes, you probably compare the prices of each policy you’re considering. While comparing prices many seem like the obvious way to get a cheap car insurance quote, price should only be one factor.

Once you have your cheap car insurance quotes, you need to compare them as well as the car insurance companies. There are three factors to consider when you compare cheap car insurance quotes: coverage, cost, and service.

Coverage Offered by the Car Insurance Policy

The first factor to consider as you compare cheap car insurance quotes is the coverage offered by each policy you are thinking about purchasing. There’s no point in getting a really cheap car insurance quote if the policy doesn’t offer the coverage you want and need.

Cost of the Car Insurance Policy

Now that you know about the kind of coverage offered by each car insurance policy, take another look at the cost of the policies. Do they still seem as cheap as they once did? With the kind of coverage offered by each policy in mind, does the cost of each car insurance policy seem reasonable, or does it seem you will be paying more than you are willing to pay for that coverage? Especially compared to the coverage and cost offered by the other car insurance policies you are considering?

Service Provided by the Car Insurance Company

It is time to take a look at the service provided by each car insurance company, or at least, the car insurance companies offering the insurance policies that have made your cut thus far. First, check the financial rating of the company; you can do this by asking an independent research company. Next, speak with actual agents and representatives from the company to get an idea of the quality and friendliness of the service. Finally, talk to friends and neighbors about their experiences with each car insurance company.

Cheap Car Insurance – How to Save Money by Comparing Cheap Car Insurances

Q: Is there a way to compare cheap car insurances without spending the whole day on the phone? Thanks for the help.

A: There are literally hundreds, if not thousands, of web sites that offer cheap car insurance quotes. The problem with them is that they are not always reliable. It is your lucky day though because we have a foolproof way to compare cheap car insurance policies.

1. Call several car insurance companies. Get as many as possible even if you wind up on the phone all afternoon.
2. Make sure you get actual quotes and not estimates. Also ask for coverage limits you get for the prices quoted.
3. Line them up and compare the pluses and minuses to each policy.
4. Choose the least expensive one with the highest coverage.
5. Call them and ask for a discount.

Also check around and see if your employer offers a discount with a certain company. Leave no stone unturned when looking for a discount on your policy. Also don’t hesitate to make a counteroffer when negotiating your insurance premiums.

This is truly the best way to compare cheap car insurance policies. We know you wanted a quick and easy way to do it, but this is actually the best way to find the policy that you need.

As you are shopping around for new auto insurance coverage and trying to save money, remember that not all car insurance providers or policies are created equal. It is important to sit down and figure out what type of coverage and price point is best for you, then get quotes from a variety of different insurance companies for comparison.

One of the easiest ways to save money on your car insurance is by simply doing a little bit of comparison shopping. Don’t be afraid to do it!