Online Auto Insurance Tools

Almost everything is done online nowadays, and for the most part, this is advantageous. For instance, you can now compare the prices of just about anything online, including auto insurance. The advantages of price comparison websites are very clear to most people.

“Rather than individually visiting the hundreds of different car insurance sites, you can get insurance quotes from a price comparison website. You can save money on online car insurance when you know where to look for the best deals.”

These websites are linked to numerous auto insurance providers and it means that your details are submitted to all of them, saving you a great deal of time. You will then be presented with all the policies that are available, enabling you to choose the one that is most relevant for you.

That said, there are a number of disadvantages of using these sites as well.

“Not all companies are on price comparison websites, meaning you could be missing out on a quote from one of the more reliable companies or even the market-leaders in a particular type of insurance.”

Another downside is that there may be some skewing of prices. Also, comparison websites, sometimes charge a commission on any policy they offer. What this means is that you have to learn how to use these sites to your advantage. This starts by understanding how they work, which is by looking at the details that you provide on their search form. So long as those details are complete and accurate, you should be able to find some good deals. You can do this by following just two steps, in fact.

1. Complete the ZIP Code

First of all, when you shop for auto insurance, location is very important.

“Generally, due to higher rates of vandalism, theft, and crashes, urban drivers pay more for car insurance than do those in small towns or rural areas.”

Your exact ZIP code is important, but so is your state, county, and city. This is why your preliminary search should be on ZIP code. If nothing else, this will give you an indication of which price comparison websites to use, as some of them only cover specific geographical regions.

2. Complete the Rest of the Form

Once you have done the ZIP code search and you know which price comparison sites to focus on, you need to complete the rest of the form. This will ask you for details about yourself, the vehicle you are considering, your driving experience, and so on. You can often customize your search, so that you are shown results that are most relevant to you. Those details are stored on the online database, which means you can use them again at a later stage.

Once you have provided all those details, the broker’s algorithms will get to work on finding the different policies that are out there, what their prices are, and which plan is most suitable to you. It will provide you with all the relevant information, enabling you to pick the one that you like.

Now, it is true that you may end up paying a little bit more by comparing your prices through such a website. After all, they have to make some money somehow, which is usually by charging commission. However, you have the option of then navigating to the insurance carrier recommended to you, and requesting a direct quotation from them. Most of the time, you will find that the price you are quoted is exactly the same as the one you saw on the original website. This is because insurance companies give up on some profits in return for more customers.