Today, I will tell you how I compared car insurance quotes to save your time and money now the most annoying thing is definitely the time there are so many vendors out there and it takes.
So long to input every single piece of information to get car insurance quotes from everybody and everybody has their own discounts their own user interface.
Car Insurance Quotes
I’ll show you how to minimize the time it takes to compare car insurance quotes now comparing car insurance quotes is pretty common for me and historically I changed my insurance company every one to two years because over time the insurance premium just seems to go up.
So you can save the most time so I have three sections.
The first is how to compare quotes.
The second is Comparative prices
The third is historical insurance experience
I have plenty of answers in the past such as triple-a Liberty Mutual Safeco Geico allied progressive and I might be missing a few but every insurance company is different some companies have better benefits.
So before comparing rates let’s get all of our personal information all in one place so that once we’re ready to compare rates we could send them to different vendors and just copy/paste really quickly to get started.
We probably need four different pieces of information for car insurance quotes.
The first is personal information this consists of three things
Date of birth
You’ll need them for every single user in the account
The second thing is the car information
So car information includes the make and model of the car the current odometer miles people’s work address and how many miles they plan to use the car every single year.
The estimated amount of coverage that you’re looking to get now I’m not an expert in each line item but basically, you want to have enough coverage but not too much coverage usually some insurance companies would want to increase the coverage dollars.
So that they could charge you more money but look at your coverage see what you actually need and basically have the amount of coverage that you want ready so that when you compare car insurance quotes you could tell everybody.
The same amount of coverage now this whole process will definitely take longer if you have more people and more cars and since I have insurance before what I like to do is I like to print their current coverage or at least save it in a folder.
So that I could just copy and paste some of that information to different vendors so for reference this is my current coverage right now so for car policy I have four different cars three of them are full coverage.
The corolla is just liability only my Tesla is basically hogging half of the premium costs and especially that collision coverage ouch it’s very expensive but it is a great car.
If you don’t have anything fancy inside the home so the total for me it’s 2,800 for the car policy.
So now it’s time to compare quotes from different vendors
There are basically three different companies that I want to ask for car insurance quotes from the first one is I would call an independent insurance company these are usually really large or midsize insurance companies.
They basically have their own agents they don’t have any third party selling their insurance.
The second category is the local agency is where you can actually visit them in your local area so I’m in San Diego I could go to Yelp and basically search for insurance companies and there are local agencies.
Where you can meet them in person contact them through email and basically get them to compare rates from the car insurance quotes company.
That their partnership with the third category is basically like a local agency but they’re basically online so these online agencies can prepare rates for you and there’s a bunch of startups.
That tries to make the process easier where you basically submit your information online with your current coverage and they will try to get you better car insurance quotes from their network of insurance.
I tried all three of these types of companies and what I find out is that to save the most time and basically the lowest amount of effort is to find a person that you can email your current policy to so this person can be a part of an independent agency or they can be a local agent or an online agent
But it will not give you the fastest car insurance quotes the fastest way is to basically brute force all of your information and get your car insurance quotes online.
So usually a lot of these companies especially the online agencies and the independent agencies they have a portal online where you can just basically type in everybody’s name their car information their mileage online and you’ll get the car insurance quotes right away.
But it does take a crapload amount of time just to input that information I think for me it takes around 15 minutes if I seriously focus and basically input everybody’s name everybody’s car information.
So for my personal rate comparison, the first thing I did was to give my current answer a second chance so currently I’m with Geico and I have their car policy.
Now the car policy didn’t really jump as much so I tried to go to their website again to see if I could find better car insurance quotes and I did so currently they’re asking for $1400 I found another quote for $1,200 which is $200 less and I wish that they would have come back to me with 1200 instead of $1400
But I guess they don’t want to screw up their partnership with their third party answer but it is annoying that they have a better deal but they basically didn’t tell me unless I actively reach out to Geico and that’s also another sign of why I think we should all compare car insurance quotes.
Every one to two years or especially after our rates win up anyway it’s not the rate that I was looking for 1200 it’s still a big jump from my $700 that I paid last year.
So it’s time for me to do the work so that I could compare car insurance quotes from other vendors
The first thing I did to compare rates outside is basically I go on Yelp and search for insurance companies now what I’m really looking for is that low-effort type of deal where I can find an individual.
I really want to email somebody so that they can input my information for me and I could just send them my current policy so I went on Yelp and basically searched for car insurance quotes companies.
So that I don’t have to type in any of that information and usually after I emailed them my current coverage.
They’ll come back with some additional questions to get me the most discount but it’s just a few questions and it’s a lot better than typing in all of the personal information and car information into a portal.
Now meanwhile I also tried some of the online methods or methods where I have to put in my own information to some of the large companies and usually that takes up to15 minutes in my situation.
So after spending a bunch of time talking to different insurance agencies and companies here are my comparative prices so the first one is my current policy.
I’m using Geico as a car policy and using their third party Network and they’re asking for 2800 for the car.
That one IS only ensure good drivers and they basically have pretty good car insurance quotes so I tried them unfortunately their quote is not as good as GEICO‘s for that they’re out of policy I also tried some of the big companies such as triple-a because well I just have seen them everywhere and a company called Amica Amica keeps sending me paper mail.
So I thought I’m going to just give them a chance as far as agencies I did try a local agency to compare the rates from their network and also an online agency.
So that’s not bad and I’ll make it so now let me share money experience with different insurance companies and I have plenty of them in the past such as triple-a Liberty Mutual Safeco Geico allied progressive Kemper and so forth first thing I want to say is I think triple-a if you’re looking for two triple-a basically have their own drivers and you can get a tow in 20 minutes.
If you have Geico or camper I think your tow times is probably one hour for them to get to your location because they don’t have a dedicated driver next thing I want to point out is the collision coverage and how they value your car so my parents got hit with a hit and run in their car and here’s a picture of the car and at the time.
We have an insurance company called campers think the camper is maybe much bigger on the East Coast but we got the camper to a local agency and they are a big company but for this amount of damage.
They’re recoding a cost of less than $1,000 and I was quite offended at that valuation so what I did was I just decided to repair the car and because I live in California can choose any repair shop that I went at the end it really cost them over $5,000 to the car and really I would have taken much less than $5,000 for the damage.
But their initial offer was just way to lows so I’m guessing if I went with a better car insurance quotes company that probably give me a higher offer to not repair the car and just pay for the hit-and-run damage.
so that’s all my claim experience I did have utter accidents but I wasn’t at fault so I get to basically choose my repair shop and if it’s not your fault usually it’s pretty straightforward there’s nothing to complain about but once the insurance company have to pay for your damage
That’s when you start to question different car insurance quotes company and their integrity or their willingness to cover for your damage.