Frequently Asked Questions about Comparing Auto Insurance Rates
Here are the answers to some of the most commonly asked questions about comparing auto insurance rates.
How can I get the best deal on auto insurance?
In order to get the lowest premiums on auto insurance, you have to comparison shop. There really is no other way to ensure you’re getting the lowest rates. However, that doesn’t mean you have to do the comparison shopping yourself. With our website, we have done the comparison shopping for you, which forces our insurance partners to compete for your business. More competition means a better deal for you.
How does your website compare auto insurance rates?
We provide you with quotes from multiple insurance carriers in an easy-to-compare, side-by-side format. You will see the coverages, terms, and premiums each carrier can offer you all at once. All you have to do is compare auto insurance rates and terms and decide which is best for you.
How much does it cost to apply for auto insurance quotes?
Our application is absolutely free and done completely online to save you time. You take a few minutes to fill out the application, and we will provide you with several quotes from insurance carriers in your area.
Is this site run by an auto insurance company?
No, we are not a car insurance company. Not only that, but we also do not have a vested interest in which insurance carrier you select. We function as a free referral system. Our job is to connect customer with insurance carrier at the lowest price possible.
Will my credit affect my auto insurance rates?
Typically, insurance carriers factor in creditworthiness to the formula they use to determine your premium. They view your credit score as an indicator of risk, so the lower your score, the more they will charge you. How much your credit will affect your score will differ from carrier to carrier, as each company bases its prices off of past experience with claims. Thus, it is in your best interest to shop around to see how your credit affects your rates from different carriers.
How can I keep my premiums at a minimum?
If you’re looking for auto insurance at the lowest cost possible, you will have to skimp on coverages to lower your premiums. Sometimes this makes sense; other times it can be a huge financial risk. If you are capable of paying out-of-pocket for collision expenses, then you might be safe skimping on coverages. Otherwise, you might want to look at more coverage as an investment. You can also save on premiums by asking about the discounts your carrier has to offer. Often, consumers qualify for multiple discounts that they don’t even know about. Finally, drive safely to keep your premiums at a minimum. Moving violations and collisions are the fastest way to jack up your premiums unnecessarily.