Shopping around for the lowest premiums works when it is done right and you can potentially save hundreds of dollars. The trick is to make sure you get your quotes using the same details and for the same coverage. This way you cannot lose out on coverage while saving money on premium. There are tens of auto insurers in any given state that may be encouraging and confusing at the same time. The only way to avoid confusion is to find a way to compare auto insurance quotes from different companies efficiently.
Depending on your preferences there are several sources that can help you compare car insurance companies for price and quality of service. Independent brokers should be able to dig through several companies and offer you the best price, coverage and policy they can find. One point to remember is that captive agents would only be able to offer policies from companies they are tied with. If you choose to talk to a tied agent, you may want to talk to several different company agents and see who offers the best rate. So, it isn’t the easiest or quickest way of finding what you want.
On the other hand, there are good automobile insurance comparison websites you can use from the comfort of your home. Try to find the one that offers all the alternatives and let you get direct quotes from companies you choose. This way, you can see the insurers that are ready to compete for your business, get to choose among them and still get your quotes from the official website directly. This is probably the fastest way of comparing car insurance quotes from different carriers and you can start it by entering your zip code above.
You could also find the companies that are selling vehicle insurance in your state and try to get quotes from them one by one. Some companies now offer online chat facilities where you can ask questions to an agent. You can also call them. Some people prefer minimum contact while others like to hear a human voice. The problem with calling several companies is that it can be time-consuming and annoying as you may have to go through hoops before you get put through.
That is why it may be better to get a few quotes online using an auto insurance comparison website like this one and see which companies are worth looking into. There is no point in trying to connect with an insurer that is going to quote well over your budget. Each online quote takes only 5 minutes. It is doubtful that you can get connected to the right person by phone in that time. Some companies deliberately makes it harder for customers to contact them by phone so that they choose the Internet over phone.
Indeed, you can talk to an agent or a broker and still get online quotes. Alternatively, you could find which companies are competitive through online quotes and talk to their agents near you at the end. This would give you the best of both worlds. You would have an agent to talk to whenever you have a problem and you would have the best price.
When you have plenty sources and it is made so easy to get quotes it is silly not to find the best price. At each renewal policyholders are given a chance to make changes to their policies and switch insurers if necessary. Use this opportunity well and find those discounts. You shouldn’t worry about your current provider as you can always renew with them again when you cannot find any better offer.