Getting The Car Insurance Cheapest Quote, but there are some hidden problems that you need to know about before proceeding.
You may not get the best rates from the large national insurers! Many of the top national companies have HUGE advertising budgets (thats how they got to be so big). If you are a customer, guess who is paying for the advertising? Thats rightYOU are. These insurers have to charge more so they can pay for all the advertising. It really pays to check as many insurers as you can!
Wouldnt it be great if all you had to do to find the cheapest car insurance quotes [car insurance quotes in Seattle] was type car insurance cheapest quote on your computer and you would be immediately given a report with quotes from 20 or so car insurance companies? Many websites claim all you have to enter is your zip code and you will have quotes in two minutes! This is not true! Dont believe it! If you try one of these websites, you will start by entering your zip code and then be taken to a page where you have to fill in a form where you enter a LOT of personal information, including name, address, phone number, email address, age, gender, driving history (any incidents in the last three years?), what car you drive, how many miles each day, how the car is garaged, who else drives the car, their driving history, your SSN so they can pull a credit report, what types of insurance, limits, deductibles, and options you want, etc. It is best to collect this information before starting to fill in the info. It is what comes next that is the problem.
Many people dont understand that the policy terms, deductibles, options and limits can actually have a BIGGER effect on car insurance quotes [car insurance quotes in Seattle] than where you get the insurance from. So it is important to know what you want from your car insurance BEFORE you get a lot of quotes! A good website will walk you through all the fine points of getting the coverage that is right for you.
Once you have the information gathered, you need to find a site that minimizes your work by collecting the information ONCE and then sending this out to as many insurance companies as possible. Unfortunately, many of these car insurance quote websites, just hand you off to a small number of insurers where you have to re-enter all of the data for each insurer. What a pain! Many of these websites also peddle your personal information to lead brokers, so you can count on getting a lot of spam in your email inbox for years to come. Additionally, you may get calls from a large number of car insurance salesmen (agents), who may get upset if you dont buy their insurance. These car insurance salesmen are representing the insurance company and do not have your best interests at heart.
Isnt there a better way??? Well, yes there is. There are a few websites that minimize the work required by only having you enter the data once (which typically takes less than 10 minutes), websites that respect and protect your personal data by never sharing it with anyone without your permission, and give you a lot of tips on how to optimize the policy for your particular circumstances. You have to find the right website!
by: Michael B Saunders