Net Auto Insurance
If you are shopping for auto insurance, it is time to consider the advantages of comparison shopping through trusted and intelligent online rate comparison tools. Net auto insurance quoting tools have changed the auto insurance industry, making it possible for consumers to to save money without ever leaving their home or picking up the phone.
By offering the market a platform where they can retrieve quotes real-time from a single source, consumers have never been more informed.
Be sure to use the FREE insurance comparison tool above to start your search!
Read on, and discover all of the advantages of net auto insurance quotes, how to obtain quotes, and how to narrow down your options so that you can purchase the best policy without inconveniencing yourself.
Advantages of Using an Online Rate Comparison Tool
There are several different places that you can retrieve auto insurance quotes in your state to compare premiums and make your purchasing decision.
You can visit a local agency to sit with a licensed agent, call a local agent directly, dial a 1-800 number to speak with a sales representative, fill out online quoting forms on the insurer's website, or use a free no-obligation rate comparison tool that will connect you with several different top-rated national companies on a single platform.
The last option is a favorite in today's busy society where every minute counts. Here are some of the major advantages of getting quotes through a net auto insurance site:
Shop for Auto Insurance On Your Own Schedule
Your time is valuable, and finding a way to multitask is the best way to have time left in the day to enjoy yourself and relax. If you use Internet comparison shopping tools, you can shop anytime of the day, any day of the week. You can enter your information on the web while you have downtime in the office, or late at night after the kids are tucked into bed.
By choosing to shop online, you never have to worry about taking an extended lunch or the entire day off just to save money on coverage you are legally required to purchase to get behind the wheel.
Enter Your Information One Time Only
All of the most popular auto insurance companies in the market have a full-featured website that offers consumers the opportunity to quote the cost of insurance online.
While these tools do give you the power to shop on your own schedule, you will spend a lot more time entering your information to comparison shop and save. This is because you will be asked to fill out an application on each site separately.
Not only is it time-consuming to fill out multiple forms, it also increases the probability that you will enter inaccurate information. If any of the information that you enter in a quoting system is inaccurate in any way, the premiums that you are quoted can go up once the policy is underwritten.
This is referred to as a misquote, and it is your worst enemy when you are comparison shopping for the best priced auto insurance plan. Provide all of the information right a single time by using a net auto insurance rate tool, and save time while you avoid the hassle.
Online Quotes are Quick and Easy When You Are Prepared
According to the US Online Auto Insurance Shopping Report released by Comscore.com, 48% of consumers who shopping for auto insurance in 2013 used the web to comparison shop. Out of this number, 3.1 million shoppers purchased their policies online.
One of the biggest reasons why online quotes have become much more popular in the recent years is because they are quick and easy. If you are prepared with the information that you need to enter into the system, you can retrieve multiple quotes in as little as 5 minutes so that you can do an apples-to-apples comparison.
By comparing an apples-to-apples comparison of your coverage options and limits, you can truly identify which auto insurance company has the best rates for you based on your personal rating factors.
Adjust Your Coverage Options with the Click of a Button
Auto insurance needs are not cut and dry. You must consider your budget and your own personal needs before select coverage options and higher limits.
After you have retrieved quotes for auto insurance based on what you are currently carrying, you can adjust these quotes in seconds to determine how much it will cost to raise your liability limits, add towing, or even add full coverage with no deductible.
You are not at the mercy of an agent to make the adjustments for you because the advanced rating tool gives you the freedom you need to truly build a policy that is tailored for you and by you.
Save Your Quotes and Come Back to Them Once You Make Your Decision
It is a big deal to leave an auto insurer that you have been loyal to for years so that you can save money each month or each year. You need to do your homework so that you know that you are trusting a reputable insurer to pay your claims when you have a loss before you put all of the weight on price alone.
This may take you time if you live a busy life. When you use a net quoting tool, you can save the quotes that you have obtained and come back to them later. You never have to worry about an agent misplacing your quote and being quoted a higher price a day after you compared pricing.
How to Obtain Your Net Auto Insurance Quotes
Now that you know why net quotes are frequently considered the best method to price insurance, you may be interested in learning how these quoting systems work. Once you locate a rate comparison site that partners with many of the top-rated insurers, you will need to enter your zip code so that you are directed to the correct quote form.
Before you can gain access to quotes, you must provide all of the right information.
What information do you need to enter?
Here is a list of the information that you need to enter into the system for the most accurate quotes:
- Coverage options and limits on your current declarations page
- Year, make, model and VIN of each vehicle
- Annual mileage and how the vehicle is used primarily
- Security features and aftermarket additions to the vehicle
- Name, date of birth, years licensed, driver license number and occupation of each licensed driver
- Accidents and violations for each driver in the past 3 years
- Previous auto insurance information for discounts
- Information about a student's grades or driver education courses if eligible for Good Student or Mature Driver discounts
If you have all of this information on-hand, you should receive the most accurate quotes possible. Be sure to order an abstract of your driving record and ask your insurer for a Letter of Experience if you are not sure if you have any tickets or claims in the past 3 years.
Compare the Insurers Offering the Most Competitive Quotations
You should never focus solely on price when you are shopping for auto insurance. After you have received price quotations, you should narrow down the list and select the top 3 or 5 insurers with competitive premiums.
To narrow the list even further, you should research each insurer so that you choose a company that will provide you with coverage and excellent service. Here are factors to consider:
Licensing Status
The very first thing to do is to check the company's licensing status through your state's department of insurance. You can check licensing through the department's official website by entering the company's name. By doing this, you have peace of mind in knowing that the department can protect you if you have a dispute with your insurer.
Financial Security
A company must be financially secure before they can pay out claims that are filed by policyholders. If you purchase coverage and the company does not have the money to cover catastrophic losses, it could go out of business or attempt to deny your claim.
Reference the financial rankings through independent agencies that assess financial strength and avoid companies that are found to be vulnerable.
Once you have considered the important details, you can select the best policy with the best coverage options. Start to gather all of the information that you need to start the quoting process and set it aside for when you have time to compare premiums.
Once you have the time, be sure to use the FREE comparison tool at the bottom of the page.