Are online home and auto insurance quotes the best way to find savings?
FREE Auto Insurance Comparison
Secured with SHA-256 Encryption
UPDATED: Jan 10, 2020
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident auto insurance decisions. Comparison shopping should be easy. We are not affiliated with any one auto insurance provider and cannot guarantee quotes from any single provider. Our partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.
Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance-related. We update our site regularly, and all content is reviewed by auto insurance experts.
Auto insurance and homeowner’s insurance are often overlooked expenses in a household budget. When it comes time to cut expenses, things like meals out at restaurants and trips to the shopping mall for the latest styles are often cut out first. Yet shopping for insurance coverage provides you with the ability to save money without making changes to your lifestyle.
Further, regardless of whether you pay for your policies on an annual, semi-annual, or monthly basis, saving on your coverage can provide you with regular savings. The step is to actually shop for new rates, but you may now know what the best way to shop is.
One easy way to compare rates is by entering your ZIP code into the FREE comparison tool above!
Choosing the Right Companies
Some people who make the decision to shop around for new homeowner’s and auto coverage are pleased if they can find just one quote that saves them money. They may immediately make the decision to switch companies without looking around even further to see if there is an even better offer available.
There are dozens of insurance companies today that offer these coverages to you, and if you want to find the best deal possible, it makes sense that you would want to know what quotes may be from as many insurers as possible.
Shopping Over the Phone
Shopping over the phone for your insurance quotes is perhaps one of the most traditional ways to shop. In fact, unless you are younger in age, this may be the method you are most familiar with as it was among the only ways to shop in the 1990s and before.
This method required you to hunt down the phone number of an insurance company, and then spend perhaps ten to twenty minutes with each phone call providing an insurance representative with the information needed to generate a quote. This process was time-consuming and tedious.
Shopping With an Insurance Broker
Another option that can certainly save you time compared to calling each company individually is to use the services of an insurance broker. An insurance broker works on your behalf, but gets paid a referral fee by the insurance company who you decide to get coverage with.
Some brokers will provide you with an exhaustive search and can help you find the best quote possible.
However, it is very common to get only a handful of quotes back from an insurance broker. Further, while one or several of those quotes may save you many, there is no way of knowing if the broker found the best deal possible for you.
Shopping online for new quotes does seem like it would provide you with the best results. Each insurance company typically will have their own online quote form for you to complete. The information requested by each is fairly uniform and may include:
- your name and address
- your age
- coverage limits you are requesting
- for homeowner’s coverage — replacement value, land value, value of personal property, and details about the house itself such as roof type and square footage
- for auto coverage — make/model and year of the vehicle, special safety equipment in the car, your driving history
This is a significant amount of information, and when you shop online with each individual company, this information must be typed into an online form over and over again. This can take a lot of your valuable time, and this is more so if you make the decision to be thorough and get more than a few quotes.
FREE Auto Insurance Comparison
Compare quotes from the top auto insurance companies and save!
Secured with SHA-256 Encryption
Shopping With Price Comparison Websites
Another option to consider when shopping online is to skip getting direct quotes and instead use price comparison websites. With these comparison websites, you enter the data necessary to generate a quote into the form just one time. In response, you will receive many quotes back.
These sites make it very fast and easy to get sometimes dozens of quotes back, and this is the information you need to really find the lowest rates possible. Often, these sites can help you to take advantage of special discounts an insurance company may offer.
However, once you narrow down your options to the top few most affordable quotes, it does not hurt to call the insurance companies directly to make sure your quote includes all possible discounts available.
The Best Choice
When it comes to getting quotes for coverage, you likely want to save as much money as possible but without taking several days to shop for quotes.
Using online price comparison websites is among the fastest and most convenient way to get many quotes back.
The only way you will know if you have the lowest rates possible is to get as many quotes as you can. These sites make it fast and easy to do that.
Before You Get Started
Most price comparison websites are set up with a form similar to what you would find on an insurance company’s direct quote system online. So before you get started filling information into this form, you do want to take a few minutes to gather up the necessary paperwork and data necessary to complete the form.
With all of the information at your fingertips, it often takes just a few minutes of time to complete the form.
If you have been looking for a way to trim your personal budget, getting insurance quotes is a great option. Many people will be able to find money-saving quotes, and this equates to savings that can be enjoyed regularly.
Be sure to enter your ZIP code into our FREE auto insurance comparison tool below now!