Get an Auto Insurance Quote Online

Get an Auto Insurance Quote Online

Before the advent of price comparison sites, a whole day was not enough to get an auto insurance quote from one or two providers. Agents and in-house representatives used to do paperwork manually. Back then, the only way to get a quote was to pay an office visit and wait in a long queue, without even having an assurance that your application would be approved.


Today, hundreds of web sites available can instantly give you an auto insurance quote without disclosing confidential information. These sites are often operated by insurance brokers, agents or insurers themselves. To get the lowest quote, it is better to go to broker-operated price comparison sites first. This way, you can compare premiums from several providers and avoid overpriced policy.


Another advantage of an online auto insurance quote system is that it lowers the cost of selling insurance, mainly because the process of estimating premiums is automated. Some insurers even pass their savings to customers by offering discounts on purchases made online.


Premiums you pay may decrease or increase as time goes by along with your age, marital status, location, and income. Price of your car, its size and annual mileage also affect your premiums. Insurers usually give discounts to teen drivers who excel in academics. However, students usually pay higher premiums than older age groups. Men often get higher quotes than women because their manner of driving is statistically proven to be more aggressive or riskier than that of women.


The process of getting an auto insurance quote is simple. Most price comparison sites only ask for your zip code, the type of car you drive, and types of coverage. The more data you provide, the more accurate are your insurance quotes. The cost of insurance in urban areas is higher than in rural regions. Usually, premiums are higher in states with many car theft cases and road accidents. As for the type of vehicles, SUVs, luxury cars and models that are popular targets of hijackers get higher quotes.


Once you have the list of insurers to choose from, look for the types of coverage included in their policy. You can further decrease your premiums by dropping coverage that you already have in your existing insurance, car loan or warranty. For instance, the warranty for brand new cars often covers towing expenses. You may also exclude medical coverage if your health insurance has accident or injury coverage. If you want a more affordable comprehensive coverage, consider increasing your deductibles. Deductible refers to the portion of expenses shouldered by policy holders in a liability-sharing scheme. Insurers will only reimburse claims after the policy holder pays the deductibles.