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Car Insurance Quotes: Starting at Square One

Written by Todd Clay. Posted in Research Last Updated: 07/24/2011

Getting car insurance quotes is the first step to purchase a policy, regardless if it is for a brand new driver or someone looking for a better company.

Files of Car Insurance Quotes

Car insurance quotes from multiple companies will help you find the best premium.

The reasons for needing car insurance quotes are as different as the drivers that need the insurance. It may be because you are getting terrible customer service at your current insurance agency or it could be because it is time to start shopping around for better insurance rates. No matter the reason, here are some tips on how to begin that search for new car insurance quotes.

Where to Get Car Insurance Quotes

There are three main avenues to go down to get the car insurance quotes that you need.

One, find an independent, insurance agent in your area. A local agent will be able to give you quotes for the handful of insurance companies that they write for. This will give you an idea of the prices that you will be looking at and will give you a chance to compare a number of companies all at once.

Two, contact an insurance company directly. You can contact an insurance company directly for car insurance quotes either by phone or through their internet site.

By purchasing your insurance from the insurance company directly, you usually are going to see a lower price than if you got the same quote from an agent. This is because the quote you are getting directly from the insurance company is not going to include the commission that is paid to the agent for selling you the policy. At the same time though, you are not going to have an insurance agent there to help you if you have any problems with the insurance company.

Progressive and Geico are good places to start to get direct insurance quotes.

Three, use a quote aggregator like the available here on Car Insurance Guidebook. It is the easiest of the three ways to get a car insurance quote. You simply answer the questions that are presented to you and enter your information as directed. Once the system has all of the information that it needs, it will present you with quotes of multiple insurance companies to compare.

How to Start Getting Car Insurance Quotes

To get started, have the declarations page from your current or most current insurance policy in front of you. You will need the limits and coverages from this page so that you can get quotes on the same insurance coverage. This will allow you to know for certain if you are really getting a better price or if you are getting a lower price because the quote is for less coverage.

Also have your driver’s license, VIN number for your vehicle and also your social security number handy before you start your quest for car insurance quotes.

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Todd Clay

Todd Clay is a former insurance agent with the largest insurance company in the United States. He earned his Bachelor’s from the University of Texas. He’s worked in several fields but has specialized in insurance, financial-related information, and technology. He blogs at Car Insurance Guidebook.

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