So it’s time to lay your foot down on some new coverage for your ride. Way to go. Whether it’s a new car or you’re just trying to find a better price, getting insurance quotes can be a little tricky at times. It can involve oodles of hours browsing, guessing games and who ever knows which boxes you should be checking. We do.
Our independent agents have quite a few laps around the track and can make the process much simpler. They'll ask the right questions, then shop and compare policies from multiple carriers to find the best coverage out there for you, at the best possible price.
They'll even break down all the jargon in a way that's easy to understand. Sounds nice, doesn’t it? But before we get ahead of ourselves, you should know just how insurance companies come up with all those quotes.
Before you dive into getting coverage, you should know how insurance companies come up with quotes.
NOTE: Quotes are subject to change—the insurance company may gradually increase your premium over time to keep up with the financial demands of offering the coverage (so you'll be less happy, they'll be more happy).
Now that you understand how car insurance quotes are born, it's important for you to understand what car insurance is, and why you'd need/want it:
Car insurance quotes are only as good as the info you provide. Make sure you supply the following details with as much accuracy as your memory (and official documents) allow:
Comparing quotes from different companies all by yourself can be complicated. You've gotta keep things like the insurer’s claims process, customer service, reputation and a lot more in mind.
Here's where an agent comes in like a knight in shining armor—they know everything that's important to consider when comparing quotes and they’re here to help.
An independent agent can make your life a lot easier. They're not tied down to one insurance company, so they're free to shop, compare and assemble all the pieces of the coverage puzzle for you—even if they end up coming from multiple carriers.
Your agent is there entirely for you. For questions, concerns and even a knock-knock joke or two. So the more openly you communicate with them, the better off you’ll be in the long run. Here’s a few ice-breaking talking points to go over with your agent:
And we mean everything. All the nitty gritty details you might rather gloss over, because inevitably they, or the carrier, will find out. And guess what? If they find out you purposefully omitted any risks to get yourself a lower premium, it will come back to bite you in the tailpipe. So keep these pointers in mind:
We know what you want—quick and easy car insurance quotes in under a minute. We get it, you want the goods, ASAP. However, choosing supersonic speed could mean sacrificing accuracy...which could end up costing you.
Look, we all love quick quotes—but online companies might leave out options that'll save you some serious green, while conveniently leaving in factors that assume higher risk and calculate a pricier policy.
Aaaaaannd, our competitors might sell your precious info to multiple companies, which could lead to a bunch of unrecognized phone calls and a flooded voicemail box. We flipped the script by giving YOU the info and options to connect with an independent insurance agent when YOU are ready.