Just about anybody can go onto an automobile insurer’s website and obtain quotes for car insurance. Most of us don’t really give that process much thought until we get a notice from our insurance company that our rates are going out of sight next month.
Then we become very motivated at that time to find relief from the exorbitant rates that have been placed upon you. So some of the websites of the different insurance companies are certainly handy and easy to get to, so why not look up some rates? At least it will give you some idea as to the prevailing trends in the marketplace. Surprisingly, many people find out that their premium increase is even less than obtaining another policy with another company.
That is not always the case, of course, because it also applies that when you are able to get multiple quotes from different companies, there is almost always someone who is looking for business, so their rates for you will be really good.
Another thing that people fail to take into account is that just because you get a rate off of an insurance company website doesn’t mean that you will get that price. There are many factors that go into the premium and the rate you are being quoted on the website may or may not take them into consideration.
Such things as your driving record, the type of driving that you do, your credit rating, and other items that can categorize you as a risk will always enter in when determining your rate.
Another thing that you can do is go to a website called einsurance and you can get a composite with rates from many companies arranged in table form so you can compare them effectively. The only problem with that is that you are still in the same boat in that you still really don’t know what the rates are based upon.
The real answer, if you are willing to take the time is to go and find an independent broker who has been in the business for awhile and approach this agent. If you take the time and listen, you will learn a lot and you will have found an advocate. An experienced car insurance broker will know which companies will give you good service on claims and customer service and which companies will be mediocre. After all, claims are pretty important when you need good service and that is the real reason we buy the insurance in the first place.
So, you will probably end up spending more time on finding car insurance with this method initially. But once you get through the time of talking with the broker and learning more about car insurance, you begin to realize that the purchase of car insurance is different than just buying a pair of socks at Walmart. In order to get the best value at the best price takes some effort on your part (like getting auto insurance quotes online), which will pay off in spades in the long run.