How Getting Free Insurance Quotes Saves You Money

By: David Schneider, Car Insurance Expert
CheaperCarInsurance.com

In the old days, say 20 or 30 years ago, if you wanted to get a car insurance quote, you had to make an appointment with and meet with an insurance agent to give him information about you and your car. He would then process a lot of paperwork and get back to you with a rate several days later. Comparison shopping was practically unheard of: after all, would you want to do this multiple times to see who had the best deal on car insurance? Probably not. These days it’s much easier to get free insurance quotes online to find great rates on car insurance by going online.

How to Get Free Insurance Quotes

There are two main ways you can get free insurance quotes online.

1. Visit each car insurance company’s website and fill out the same information each time.
2. Visit a quote aggregator like CheapCarInsurance.com to get multiple car insurance quotes at the same time.

Option one is time consuming, and you may not get the best price by going directly to a car insurance company’s website. Sites like CheapCarInsurance.com have negotiated special rates with the same insurance companies, so if you buy on our site, you may actually pay less for the same policy that you could buy directly on the company’s site.

Organizing Your Information

If you are getting quotes from multiple insurance companies, it can be difficult to keep track of what you like about each carrier. Make a simple spreadsheet in Microsoft Excel or other program and list each company you are considering buying a policy from. You can then create columns for different things you want to compare, like:

• Total policy cost
• Amount of comprehensive or collision coverage
• Other benefits, like discounts at stores
• Other coverage options like emergency roadside assistance

Color each column for each insurance company either red or green, depending on whether you find the information beneficial or not. For example, if Insurance Company A offers a great rate (make that box green) but it doesn’t offer roadside assistance, which you want (make that box red), you can easily see based on color how many features you are looking for this company offers.

Once you’re done, hopefully one insurance company will have more green boxes than the others. This is probably the company you want to buy your policy from.

Why Shop for Free Insurance Quotes

There are several benefits to shopping around for free insurance quotes:

• You can compare prices and coverage among different insurers
• You can see what some companies offer that others do not
• You can find great discounts, like good student or good driver discounts, with many of the top insurers in the country
• You can save hundreds of dollars on car insurance

With so many competitors, car insurance companies know they are fighting to get your business. Since the power to get free insurance quotes is now in your hands, these insurers want to offer you special savings for getting your quote on CheapCarInsurance.com. We want to help you save, which is why we have partnered with the best insurance companies in the nation to offer you hundreds of dollars in savings on car insurance.

Getting Started

Get your free insurance quotes right here by clicking on the Get a Quote link above. Give us just a little information about you, any other drivers you want to insure, your vehicles and any discounts you may be eligible for, and you will instantly get quotes delivered to your inbox. Happy saving!

Posted: January 07, 2010