Written by Getting a quote and buying online.
For those of you that have never received auto insurance quotes online, let alone bought a car insurance policy online, this article is aimed at you.
Online Insurance Quote: About
Within the last 10 years insurance companies having been moving their quoting process online in response to consumer demand. This is not only a very cost efficient process for a company (reduces manpower), but it’s easier and less “pushy” for the consumer. The premise is simple, you take 5 – 15 minutes filling out the necessary information on an application and your customized rate(s) are delivered to you VIA email or instantly online.
Online Insurance Quote: Pro’s and Con’s
Pro’s:
- Fast.
- No pushy salespeople.
- You can get rates from competitors as well.
- It’s quiet so you can pretend your working and get a quote
Con’s:
- No live insurance agent that can explain coverages and extra options you may need.
- You must have a computer.
Choosing the online insurance quote site
Now more than ever there are more options for getting an auto insurance quote online. The bottom line is there is no “wrong” site, try them all if you’d like. Some of the companies that offer quotes online are listed below.
Auto Rate Quotes – Recommended – Up to 4 Instant Quotes
Allstate – 1 Quote
Esurance – Unknown Number of Quotes
Nationwide – 1 Quote
Progressive – Up to 3 Quotes
State Farm – 1 Quote
Starting the Online Quote
It’s not difficult and you only need the information that you would normally need for a phone or sit down rate quote. Just click on the “go” or “start a quote” button and fill out the application step by step. With many sites you’ll also have the option of speaking with an agent by phone just in case you need a little help.
Receiving the Quote(s)
There are a couple of insurance quote delivery methods. Web sites like Progressive show you up to 3 instant quotes online. While others send you an email which will prompt you to log in to see your completed quotes. Every web site listed will give you the opportunity to buy the insurance policy online immediately.
Buying The Policy
It’s as easy as looking over your policy and ensuring it contains the coverage you want at the price you want and following through with the purchasing process.
Closing Notes
Ultimately shopping for and buying auto insurance online is one of the easiest and smartest things you can do to both save money and compare rates. Remember to get as many quotes as needed from as many different companies that you can, this is the only true way to compare rates and save.
If you’re still not sold on the idea of putting your personal information online (keep in mind all major insurance web sites use industry standard security to protect your information) you can always find an auto insurance agent in your area or call them directly.
