McAfee Secure sites help keep you safe from identity theft, credit card fraud, spyware, spam, viruses and online scams

Automobile Insurance Quote

Getting an automobile insurance quote can help you make sure that you're getting the best deal possible on your auto coverage. In fact, you should get several quotes before you make a final decision on which company you want to buy from and which types of coverage you want to get. That way, you can make sure you're getting the best deal possible.

The process of getting an auto insurance quote can seem like a mystery to many people. However, it's actually quick and easy to do, and can save you a lot of time and money if you have a long-term perspective. Sometimes, you can even get several automobile insurance quotes at once, if you work with an aggregating service either online or over the telephone.

Why Get More Than One Automobile Insurance Quote

Most people only get one car insurance quote before they buy coverage. A few people will try to get two, but only a handful bother to get more than that. The process feels time-consuming and frustrating, not to mention useless. However, there are several reasons to think about getting more than one quote.

The main reason to get more than one automobile insurance quote is to save money. Different auto insurance companies use different algorithms to generate their quotes. These are very complex mathematical formulas that weight different factors about you, which you provide the company with, to determine how likely you are to make a claim against your coverage that will coast the company money.

If you are deemed more than moderately likely to make a claim against your automobile coverage, the company will quote you a higher price for coverage. If you are not very likely to make a claim, your quote will be lower.

The key here is to realize that different automobile insurance companies use different formulas to calculate risk. While these formulas are often very similar, they have enough differences that you can end up paying less with one company than you would with another, because their formula happens to weigh things differently. If you don't get more than one vehicle insurance quote, though, you may never find a company that will charge you less for coverage.

Getting multiple automobile insurance quotes is also a good idea because it lets the companies you contact know that you are an informed consumer who cannot be talked into buying more coverage than you need. Since these companies make more money if they sell more coverage, sometimes they will try to get you to purchase more coverage than you indicate that you want, even with types like one day car insurance. Letting them know from the beginning that you are a savvy consumer can save you time in the purchase process.

Finally, getting more than one automobile insurance quote means that you get to choose the coverage that is best for you and your family. Once you have all your information, you can sit down, spread out your paperwork, and look it all over. This means that you are not making snap decisions while on the internet or a phone call, but that you're thinking carefully through the process, which means you have a better chance of making a good choice.

How to Get Your Quotes

There are several ways to get automobile insurance quotes. You can talk to an agent in person, call each company individually, or get your quote online. Each method has positive and negative aspects, and you can choose whichever one seems best to you. If you want to deal with a real person, you'll want to see an agent or call. If you want to get your quote in the most expedient way possible, you will probably want to use an online method.

Before you get an automobile insurance quote, make sure you know the kinds of coverage, amounts of coverage, and the total amount of money you want to spend on coverage. This will help ensure that you get a quote for the automobile insurance you need. Once you know what you want, get in touch with the companies you're interested in working with in whatever way is most comfortable for you. Make sure the price includes any discounts you may qualify for and takes into account all factors that should work in your favor.

Hopefully, you now know why it's important to get more than one automobile insurance quote and are confident that you know how the process works. Once you get your quotes, take some time to make your decision. Note that you may not want to simply purchase from the company that offered you the cheapest rates. If you were uncomfortable dealing with them or found something difficult about using their website, consider choosing a different company. When you're ready, make your decision and purchase your coverage knowing you've made a solid decision for you and your family.

partners

FREE Quotes, Multiple Insurers

Zip Code