If you are looking to insure your automobile as best and cheap as you can you need to get free car insurance quotes and compare. Normally you don’t need pay for estimates in most lines of businesses but can they cost you in different ways? Let’s have a close look at how free we are to decide after getting quotes and how to avoid potential hassles and unwanted correspondences.
Free Auto Insurance Quotes Online
I don’t think anyone is openly charging for quotes or can get away with charging. Then, why many websites advertise themselves as the ultimate place for free auto insurance quotes comparison? I guess what they mean is that you are under no obligation to do anything and you will not be hassled any further. Perhaps, the word is used to suggest free from hindrance to make your own mind up, as well as not costing money. Definitely, it is easier to walk away from a website and ignore a quotation you received online because you fill all the required details and a computer program quotes your price. Usually, most insurers will not chase or phone you to follow up after the quote, even though they have your number. Most of them leave it at providing a phone number in case you may want to call them with a question.
On the other hand, it is harder to walk away from an insurance agency or brokerage office without buying anything after taking their time. Technically, you can say things like you are just shopping around and you will let them know. However, most people wouldn’t do that, especially if they are offered reasonable looking quotes, even though they are not sure if it is the best. Then, this mental pressure may continue at renewal as well because you are acquainted with this company/agent.
You have more presumed freedom to walk away from an online quote than walking away from a brokerage quote, especially after getting acquainted with the agent. It is harder to say no to someone, even though we have just met him or her.
Sources of Free Car Insurance Quotes
There are several ways of getting a few quotes to see if you can save some money. Let’s have a look at some of these options and compare them.
Various surveys suggest that drivers are usually not keen on shopping for car insurance. They worry that it will be boring, take too long and they will have to deal with pushy agents. The best quote source would be the one that solves these concerns.
=> Quotes from Vehicle Insurance Comparison Websites
There are two distinctive types of comparison sites. The first type takes you straight to their own quote forms to collect the required information and pass it onto various agents and insurance companies. You have to give your information to them and agree to their privacy terms and hope that they will treat your details respectfully. Once you fill the form, you should expect to receive calls and e-mails from various agents and insurers. The fact that you don’t have any control over who looks at your information and who contacts you may be the downside of these websites. However, you fill one form and get several quotes.
Our website falls into second category that only facilitates the quotes and don’t dictate where you get your quotes from. Once you enter your zip code you are taken to a page with the list of auto insurance companies in your area. Then, you choose the ones you want to get quotes from and follow the link to their website. Now you are dealing with your chosen insurer directly. In other words, you fill their form and agree to their privacy terms. The downside is that you will need to fill several forms in order to have enough quotes to compare. However, each form takes maximum 10 minutes and it gets much easier after the first one because they are pretty similar to each other. Check out how long does it take to get car insurance?
Our homepage explains the types of questions you will be asked when getting quotes. You may need to agree that the insurer can check your driving record, credit, insurance and claim history while determining your premium. But these are mostly public records anyway.
The former type of comparison takes less of your time but you are in full control with the latter as to who looks at your personal and contact details including your phone number and e-mail address.
=> Direct Auto Insurance Quotes
Getting a quote directly reduces privacy issues and cuts down unwanted calls. You can either choose a comparison website like ours to see which companies are currently offering good deals in your zip code, look them up yourself through yellow pages type of websites or you can do both. You can also look for them on your favorite search engine using your preferences like the best or cheapest car insurance companies.
The problem with finding and getting direct quotes from insurers one by one is that you can quickly get bored with the process and take the first or second quote you receive. You can lower car insurance rates substantially if you persist on and get at least 5 quotes.
=> Quotes through Independent Brokers
Since you are looking to compare the market and get the best price you should talk to an independent broker instead of a tied agent. You will either need to give them your details over the phone or in person by visiting their office. Today, a few brokers have online forms too. This is the most traditional method and still favored by many motorists.
Would I Be Hassled after Free Online Car Insurance Quotes?
People are drawn to no obligation automobile insurance quotes online because they are fast, always available, easy to get and online, meaning there is no human contact. They expect to receive a firm quote when they fill a quote form. They can get all these on comparison websites like ours or by finding the insurers on their own and getting direct quotes.
On the other hand, filling out a third party quote form may appear to be easier but you may be hassled by various agents and insurers both by phone and e-mail as they receive your details from those lead generators. It doesn’t mean that it is always bad. Some people, especially new drivers, may want to hear about their options and they can ask many questions during those calls. This can be a highly educational process. However, you may not want to put up with “smart comments” from unknown agents if you know exactly what you want.
The good thing is that you have plenty options. If a comparison website pulls up a quote form in front of you and you don’t want to give them your details you can always get your quotes from our panel of insurers. Why not enter your zip code above and see what we can do for you.