Jeffrey Johnson is a legal writer with a focus on personal injury. He has worked on personal injury and sovereign immunity litigation in addition to experience in family, estate, and criminal law. He earned a J.D. from the University of Baltimore and has worked in legal offices and non-profits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman Univer...

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Laura Walker graduated college with a BS in Criminal Justice with a minor in Political Science. She married her husband and began working in the family insurance business in 2005. She became a licensed agent and wrote P&C business focusing on personal lines insurance. Laura serviced existing business and wrote new business. She now uses her insurance background to help educate drivers about...

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Reviewed by Laura Walker
Licensed Agent for 10 Years

UPDATED: Apr 29, 2019

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Knowing whether or not to trust a cheap online auto insurance quote is a major concern for many people who are using the internet to shop for insurance for the first time.

In fact, any time a consumer comes across a cheap quote, he is sure to ask himself whether it is too good to be true or not.

Know what to look for in a quality quote so you can confidently choose the right coverage for you.

Uncover your personal auto insurance rate today by inputting your ZIP code in the FREE quote tool now!

Trust often comes from recognition. If you are receiving a quote from a big-name insurer, you are much more likely to trust it than a quote from an unknown insurance company.

One of the first things to ask yourself when faced with a cheap quote is, “have I heard of this company before?”

However, this does not mean that a quote from a company you are unfamiliar with is not to be trusted. Just check it out thoroughly.

Researching the Company is Critical

Deciding whether to trust a cheap online auto insurance quote is largely about the reputation of the company offering the quote. Therefore it is critical to research an auto insurance company before choosing to use them for your auto insurance.

Even if you recognize the company name, it is wise to check them out. Recognition may mean little more than the fact that they spend a lot on advertising.

The first aspect to examine is the financial strength of the company. Organizations like Weiss Ratings www.weissratings.com exist in order to grade insurance companies on their finances and their future outlook.

By making sure that any company you are considering is at least a B or higher in these ratings, you can feel confident that it is financially solid and will be around for a while.

It is also wise to check into what consumers are saying about the company that you are considering.

You can do this in a variety of ways. A simple online search for reviews will give you information about how a company is doing, as consumers are very vocal about their experiences.

However, it is important to remember that even an outstanding company may have more negative reviews than positive ones because an unhappy consumer is more vocal than a happy one.

An excellent and time-effective way to find out how a company fares, according to those who use it, is to check out J.D. Power and Associates.

This organization does studies of consumers in order to create ratings for insurance companies and other industries. They rate companies based on pricing, policy offerings, contacting the insurer and billing and payment.

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Careful Comparison Takes the Guesswork Out of Choosing Auto Insurance

Careful comparison of the car insurance quotes you receive will help take the guesswork out of choosing the right policy and determining whether or not to trust a cheap quote.

Often, if there is a huge discrepancy between one insurer and all the rest, close comparison reveals that the lowest quote is for less coverage or a different length of time than the others.

Pay particular attention to details like the length of the policy, limits and deductibles. In fact, you should look at every aspect of coverage that is being quoted to make sure the different forms of coverage are the same and you are actually comparing apples with apples.

A quote for mandatory coverage only will be very different from a full coverage quote.

Dialogue Will Help You Trust a Cheap Online Auto Insurance Quote

Getting online auto insurance quotes is the most time efficient way to shop for car insurance. However, you will still need to talk with a real person in order to finalize your new policy. At that time, you have the opportunity to ask questions and you should.

Be sure to ask any questions that may help you understand your new policy better or anything that may have you doubting the quote.

Before finalizing your new policy, you should also ask the agent if you have received all the discounts that you possibly can.

Because there are so many individual differences from company to company, an online quote tool cannot gather all the information that may get you a discount from every company out there.

By asking this one question you might find yourself with an even lower rate than you had thought.

Get started now with your very own individualized auto insurance rate quote by plugging your ZIP in the FREE quote tool to begin!

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