subject: Auto Insurance: Comparing Quotes To Get The Best Deal [print this page] If you're looking to get auto insurance for the first time, you might not realize that you won't pay the same thing that your friend is paying. Even if you go with the same company, get the same coverage, and sign up for the same length of time, the chances are small that your premiums will be alike. The good news is that contributing factors will generally be viewed similarly by competing companies. So you can compare apples to apples quite easily. Unless you want to be stuck paying more than you should, it is a good idea to compare quotes before signing up.
In the days of old, this would mean calling a bunch of auto insurance companies and getting a quote individually from each one. Today, there's no need to go to such extremes. The internet has made it quite easy to figure out (roughly, at times) what you would be paying with each company. There are even sites that will do it all at once, giving you a table that displays the divergence of quotes. This is a great way to make a direct comparison and figure out where you would be best suited.
If you do start comparing quotes, however, remember that you have to keep your information the same at each company. For instance, it doesn't make any sense to say Company A is cheaper than Company B when the policies you're inquiring about don't offer the same amount of coverage. No matter the other factors that go into determining your premiums, the prices will certainly be different if the packages are different. Keep that in mind when making direct comparisons.
There will almost certainly be local companies in your area offering auto insurance for less than you can get from the big corporations. While it may seem like a good idea to take the cheaper rate and support a local business at the same time, this isn't always the best idea when it comes to this field. Stories of insurance companies going belly up are certainly not unheard of. When it comes to protecting yourself financially, you want to make sure you go with a company that has an established presence and has proven that they aren't going anywhere when you try to make a claim. If your local company can display those traits, then by all means you can consider taking their lower rate. Otherwise, stick with the big companies and have the peace of mind that goes along with the slightly higher price tag.
by: Andrew Stratton
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