car Insurance Quotes Comparison Online

Friday, March 17th 2017. | Auto Insurance

How Do I Compare Auto Insurance Quotes Online?

You are already on the right track. EINSURANCE.com can help you compare auto insurance rates from multiple leading insurers. Comparing online quotes is one of the fastest and most efficient ways to make sure you are paying the right price for the coverage you need. So what is the next step?

A little less than half of consumers who shop for a new policy only obtain one quote. To get the best rates, a consumer should get at least 3 quotes for a similar policy. Each insurer asseses risk a little differently. On top of that difference, one company may offer a discount that another does not currently provide.

Below we outline a decision criteria that many drivers use to compare insurance companies and policies:

  • Product and Coverage Options
    Check to see if your insurance company can bundle all the insurance products that you need. If so, then they will most likely give you a bundling discount. For instance, if you are a renter, many auto carriers now offer renter’s insurance as well.
  • Purchase and Management Options
    Most major carriers provide the options of purchasing online and over the phone. Comparing car insurance policies over the phone may be limited to call center hours. However, online quoting is available 24/7.
  • Discounts
    One of the biggest differences between carrier’s rates can be attributed to the avaialable discounts. Most insurers reward safe drivers and bundlers. In additon, savings can be found for vehicles that have the most safety features. The most variable discounts can be found when a company is trying to reach a certain group of insurance consumers. For instance, some companies may offer discounts for switching before the expiration of a policy or from a certain competitor, while other may decide retirees shoulde get a discount.
  • Customer Service Track Record
    A company that specializes in the most basic coverage options may have the cheapest auto insurance rates. However, they may also lack some customer service benefits of more established companies. These benefits may include 24 hour customer assistance and claims tracking. Consumers should always be aware of these trade-offs as they make their decision.
  • Financial Strength
    Financial strength ratings are good indicators of an insurer’s ability to meet the obligations of an insurance policy. During times of natural disasters and economic catastrophes, insurance companies with strong financials will be best suited to service their customers. A.M. Best is often used to judge financial strength.
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