subject: Is a Free Insurance Quote in Reality Free if You Pay with your Solitude and Personal Data? [print this page] Is a Free Insurance Quote in Reality Free if You Pay with your Solitude and Personal Data?
Detroit Sophia of Detroit needed to go looking for auto insurance last week after buying a new Toyota Corolla, so she went online and forwarded her personal information to one of the thousands of insurance quote websites, hoping to get back instant premium information. Unfortunately, her consumer horror was about to commence. What she didn't imagine was that her personal information had then been in a flash sold to seven different insurance businesses, each of which began repeatedly plaguing her for days with phone calls and emails trying to sell her new auto insurance policies that were actually more pricey than what she already had. As many consumers before her have done, Sophia threw up her hands in disgruntlement and ended up remaining with her current insurance business.Most consumers do not understand that insurance businesses are regularly proclaimed by state law to submit rate tables to the corresponding state insurance commissioners. Sadly, this information is usually only exposed to the general public by booking an appointment to access a "public computer database" located at the government's office. Sadly, even if you are able to access the insurance rate filings via the public computer, deciphering the rate filings and figuring out how much an individual insurance company would charge you is no effortless trouble. The illustrative rate filing from an insurance company is made up of a list of analytical tenets and factors that need to be cross tabulated with a complicated actuarial table that lists such things as zip, year of car, etc. In addition, since each insurance company has a disparate form for their rate filing, it is extremely resource intensive to analyze and foretell insurance prices for more than one company.
Luckily, some businesses have begun to scrutinize these insurance rate filings for the consumer, making the insurance cost information open in an easy to survey format. For instance, FreeInsuranceQuotes.org is a website that lists rate tables for the majority of US states so any nameless Internet user can scrutinize auto insurance rates by insurance company to find the low-cost rates. As shown by their prevalent online advertisements, Progressive Direct also publishes competitor rate information to new potential customers of Progressive Direct. Progressive Insurance gets this information through breakdown of the insurance rate filings with each state.
After the consumer has cost information for all the main insurance corporations, they can home in on the two or three insurance corporations offering the cheapest auto insurance rates for their customer profile, and not misuse time sending their data to an insurance carrier only to learn their costs are more expensive than what they are currently paying.
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