Cheap Vehicle Insurance Quotes Online
Arranging auto insurance in the United States can be a confusing and frustrating process, especially if it is a first time car insurance purchase or have never truly searched for cheap vehicle insurance rates. Minimum liability coverage is a mandatory requirement in 48 states and the District of Columbia, while New Hampshire still requires proof of financial responsibility and Virginia requires uninsured motorists to pay a $500 Uninsured Motorist Fee. Understanding how the quote process work can help you get the most affordable and best vehicle insurance for your situation.
Cheap Vehicle Insurance Quotes Online
A vehicle insurance quote is a ‘potential price’ for the risk covered by insurers. It is that simple. Unfortunately all the fine print and clauses within the process is where it can get complicated.
If you call or email every insurer directly, you receive quotes for the information discussed in the dialogue at the time of the quoting procedure. However, as this process may take place over hours or days, you may vary the information given during the quote process. This is where ‘not all quotes are equal’ can come into play.
If you mentioned you are a nurse in one instance and not another, you may be getting a profession discount for being a nurse on one and not the other quote. There are literally tens of factors that go into deciding on your vehicle insurance premium calculation. By getting individual quotes, you may be comparing apples to elephants and getting flustered during auto insurance quotes comparison online.
How to Shop for Cheap Vehicle Insurance Quotes Online
A better way to shop for insurance is to have a consistent process, with complete and accurate information for every quote.
First develop a checklist of information to give your potential insurer, or have ready for an online quoting tool. This information should include all of the following items:
- Full Contact Details, including name, address, email
- Vehicle make, model and year
- Any Vehicle modifications made
- Previous Insurer, policy expiry and coverages
- Mileage driven in a year
- Employer or employment/profession details
- Membership Information for Affinity Discounts
- Finance agreement for vehicle
- Your latest credit score
- A transcript outlining your college GPA
- Driver record history report
- Marital status/Gender
- Driver’s license, Social Security number
- Information for bundled quotes for life or home insurance
- Home Ownership information
Once you have a complete list of the information available above, you need to first consider what types of auto insurance you will need. It may be best to get quotes for insurance you feel is adequate such as, at least double your state minimum liability coverage limits, comprehensive and collision coverages and get a quote on full coverage.
Full vehicle insurance coverage refers to the best protection and includes 100/300/100 liability coverage, comprehensive, collision, rental car reimbursement, medical payments, GAP, towing and labor, specialty parts coverage, specialty equipment coverage and any other coverages that may suit your situation. By getting two different quotes you may be surprised that the second full coverage quote is within financial reach, yet provide much better protection for you and your family.
Now take these two different levels of insurance and get quotes from at least 5, but preferably 10 auto insurers. 10 quotes will give you plenty of options, and weed out the ‘too high’ and ‘suspiciously cheap’ quotes.
A Consumer’s Guide to Vehicle Insurance Quotes Online
Vehicle insurance quotes are all over the map. Maybe you’re looking for coverage for your new family sedan in Ohio. Maybe you’re looking at policies in California for his and her motorcycles–a ten-year anniversary present. Or, maybe you need vehicle insurance quotes for a fleet of delivery trucks in Colorado. No matter your auto coverage needs, your state of residency, or financial situation, NetQuote can help you find the best vehicles insurance quotes available in your area. Whether you’re looking for a policy with the cheapest premiums or one that provides ironclad financial protection, we will connect you with a licensed insurer you can trust.
Regional Costs and Requirements
Many consumers want an estimate of how much their annual premiums will be before they talk to insurers. Without citing misleading cost figures, this is a tall order. Average premium costs are wildly divergent depending on where you live. In fact, the average cost of the five most expensive states for vehicle insurance quotes is approximately twice as expensive as the five least expensive states. Moreover, some states require more stringent policies and benefit levels than others.
In Pennsylvania, you need only $5,000 worth of property damage liability coverage, while you’ll receive $25,000 in property damage coverage for a state minimum policy in North Carolina. The disparity in bodily injury liability requirements is just as severe. In Maine, drivers are required to maintain $100,000 coverage limits. Yet, in Florida, where an older population can require costly medical treatments after an accident, the limit is only $20,000.
y jaw-dropping about these numbers is that the average vehicle insurance quotes are actually cheaper in North Carolina than Pennsylvania, cheaper in Maine than Florida, and by comfortable margins at that. When determining the risk to insure consumers, companies look first at accident rates which are closely correlated to population density. In fact, it’s likely that many states set lower requirement standards to help residents afford coverage in these more densely populated states, despite the extra financial risk to drivers on the back end.
Individual Differences Still the Trump Card
While regionally-indexed risks and state-mandated requirements have a huge impact on the cost of vehicle insurance quotes, individual profiles, starting with your driving history, are even more important. Among the things to avoid at all costs: a major accident in which you’re deemed to be at-fault and a drunken driving arrest. There are also a host of other individual factors and potential discounts–from your credit rating to low driving miles to students who earn good grades.
You should also know, however, that these individual characteristics and your risk profile are getting tweaked all the time. Soon, if not already, young women are likely to see higher vehicle insurance quotes than young men. The reason? The higher rate of text messages that young women send while driving. To this end, you need to mind your own driving habits, even some of your lifestyle habits, to achieve the cheapest premiums possible.
Find Local Vehicle Insurance Quotes Online
The final piece of the puzzle is to shop online. By finding insurers through a reliable online referral service, you can save money on your next policy in a number of ways. First, you’re likely to have more information and have a superior decision-making process. Between our stable of articles providing you with consumer information and the fact that you’ll be making the final purchasing decision from the comfort of your own home, you’re likely to be a more shrewd customer than ever before.
Second, there’s a built-in discount established through lower overhead costs. By contacting insurers online, these companies have less need to spend revenues on advertising, marketing, and high-dollar, commissioned insurance agents.
Third, there’s a heightened sense of competition for your business amongst the insurers. Each company knows that you’re getting cost estimates from other insurers: It’s a basic free market principle, and it drives down costs. It also helps ensure that lower overhead costs are passed to the consumer. With no commitment or fee required, there’s no reason to hesitate.
Comparing Auto Insurance Quotes Online
Auto insurance quotes are tricky if you don’t know how to compare them properly. All too often, vehicle owners go to several different companies to see if they can find lower rates and they make a crucial error: they don’t fill out all of their information in the same way. What happens is that these quotes are no longer comparing apples to apples, thus at this point, comparing car insurance quotes is hardly an informed decision. What makes this even more difficult is that these forms are hardly identical across insurance agencies.
Save when you compare auto insurance quotes Online
When you fill out one form to compare car insurance quotes online, you will get competitive car rates from the top carriers. Answer only one set of questions and you will be able to get an apples-to-apples comparison between the nation’s top carriers. Some auto insurance quotes forms can run up to 115 questions and you don’t want to have to fill those out five different times.
To compare car insurance quotes online is a simple process, and our mobile app makes it even simpler. Others tout that “15 minutes” can save you money on your car insurance, but it only takes five minutes to get multiple quote comparisons online.
Once you fill out the form, your phone will start ringing. It is a fun change of pace to have people chasing you down instead of the other way around. And when those phones start ringing, that’s the sound of savings calling you at home.
Completing Vehicle Insurance Quotes Comparison
Technically the best auto insurer is the one that can meet all your personal criteria, such as pricing, claim process, policy coverage options, local versus national preferences and more. If you find an insurer that provides all the necessary coverages, at an affordable price with a great customer satisfaction reputation, the choice should be clear.
The comparison process is well laid out above. To summarize, you need to first make sure that your comparison is based on the same coverage. When you get this wrong you wouldn’t be making a fair comparison since each quote is for something else entirely. Secondly, you need to make sure that you get a few cheap vehicle insurance quotes. Otherwise, you wouldn’t be getting much out of your efforts in terms of saving money. Thirdly, you can be as picky as you like when you have enough options. Getting several quotes help you in that aspect.
Getting cheap vehicle insurance quotes online is easy; sorting through all the fine print, deciphering your own insurance needs and making a decision should be easier with this guide. Make the process even easier by using online quoting web tools to ensure you are comparing apples to apples in the same quoting procedure.