Leafing through the yellow pages is time consuming. It also means that in many cases, a driver will wait two or three days for all inquiry calls to be returned. Most people do not want to wait so long to get car insurance quotes and decide on a suitable policy.
The internet offers a method for getting rate quotes that is less time consuming and in some cases will offer instant quotes. Some sites will require the driver to fill out a form with all applicable driver and vehicle information. After the form is submitted, results will show rates of different insurance companies.
Another method of using the internet is to fill out similar forms with two or three suitable insurance companies. If a driver uses this method, care should be taken to compare the same types and levels of coverage. Even a slight change in a deductible or in liability can drastically change a company’s rate.
It is important to remember that discounts may be offered for safe drivers, for students with good grades and for having certain anti-theft devices. Providing details for all possible discounts can help you get the best rates. Information in online forms should be as accurate as possible for an honest comparison of rates.
Drivers should make sure that vehicle ID numbers, driver license numbers and other details are correct. It is also a good idea to mention any tickets or accidents within the past 5 years. While one ticket or small accident may not seem to matter, it helps the insurance company to come back with a more accurate quote.
Another way a driver can get a fast quote is to make an appointment with an independent insurance agent. It may be less convenient than the internet, but will be much less of a hassle than calling agents and companies listed in the phone book.
Independent agents have access to rates from several companies. They can do the comparison that the driver would normally do using the internet. Many independent agents know which companies are most suitable for different drivers.
Some are more suitable for young drivers. Others are better for those with a few tickets or accidents on their record. While a driver may sit with the agent for an hour or more, it is still less time consuming than waiting days for return calls.
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