subject: How Do You Compare Car Insurance Companies And Quotes? [print this page] We all hear about the importance of taking the time to compare car insurance companies and their quotes. Yet this can seem ultimately highly time consuming. It's really not all that difficult if you know how to go about it. Most people either start or end with their current insurance company.
You can get quick quotes online, and in many cases you can do it without having to hand over all of your personal information. Bear in mind, however, that your individual quote might be different from the basic quote you receive via the internet. Without your personal information, there may be something on your record that was missed in the original quote.
Online quotes give you a basic idea of which companies will offer you the type of coverage you want and the approximate premium you'll be paying. This can be beneficial for narrowing down the field and choosing the top three companies. Once you've completed this step (which doesn't take long at all) then it's often best if you hit the phones.
Calling the insurance company directly will help you get a more accurate quote and it also gives you a chance to let them earn your business. If you know that they offer great incentives or that they have special deals advertised at the time, you'll be able to make sure you're taking full advantage of this. Working with a live person allows you to talk to them and make sure they are giving you every benefit you can squeak out of their company.
There is a flip side to talking directly to the insurance company. If you are comparing quotes then you have to first write everything down so that if you call back you can get the same deal. Ask for the insurance agent's name and extension so that you can get directly to them if you opt for their policy.
You have to make sure that you aren't talked into accepting their policy without checking with the other two companies that made your top three list. It's easy to allow yourself to be talked straight into the process of signing up. This is a second benefit of getting the name and extension of the insurance agent. They are using their time and energy to give you the best deal possible. Assuring them that they will receive your call if you choose their company lets them know that they will earn their commission, and they will often become less pushy.
To compare car insurance you don't have to invest your entire day. You just have to be satisfied with your own research, talk to three agents, and make a final decision. Comparison gives you a chance to notice which companies offer more coverage for less, offers the best incentives for free, and has the best customer service over the phone.
by: Alexis Ford
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