There was a time when you had to pay to even get a quotation for your insurance policy. But now, you can get free car insurance quote online from most of the auto insurance companies. In fact, don’t even bother dealing with a insurance company who is charging you for quotation.
What to look for in a car insurance quote online? Obviously a cheap price, but that depends on the details that you have provided in the online insurance form. Once you have submitted your details you will generally receive a quotation within a matter of minutes, or usually within the same day, via email or phone including a breakup of what the policy covers. Should you choose to accept it you can continue further.
However, the free insurance quote that you received online is just the first step and no insurer will accept it as it is. Generally there will be few negotiations between the customer and the insurance company before they can come to an agreement with the final price. Also the online quotation form will not be detailed enough to include all the factors of a policy which can decide its final price. You can consider this to look upon as means of comparing various insurance companies and their policies while shortlisting.
What most people do while looking for car insurance quotes is they prepare a list of auto insurance companies they are interested in and get free insurance quotes from them. They use the online form to provide basic coverage details and also other factors for which they will be eligible for discounts. Using these factors as a base, further negotiations can be done.
Your final insurance policy should be decided only after getting cheap quotes from trusted auto insurance companies. Once you have zeroed on a list of insurance companies, you can then talk to the insurance company over phone or visit their office for further negotiation for discounts and final insurance price. Some of the factors that you can discuss while negotiating are safety and security features of your car that makes your car less likely to harm passengers or likely to be stolen, any special driving classes that you have taken, the rate of liability cover, etc..
Others factors such as your age, your employment, area of your residence, etc can also qualify for a discount, or if you have any other insurance with the same company will also help you in getting further discounts. You can even move your life insurance or mortgage to that insurance company if that qualifies you for a bigger discount.
The whole point of getting free car insurance quotes online isto find the cheapest insurance rates offered by different companies. For best results you can make a list of insurance companies by visiting a insurance comparison website or a review site. You can include few well known large companies, few smaller companies and a few brokers who access to large number of trusted companies who can provide good discounts. By doing this you will have a good mix of insurance companies and their quotations, which you can then make use of to get policies of lesser price.
You should note that each of the insurance companies in your shortlist should be providing free insurance quotes, or it is pointless in having them in your list. Once you have received cheapest quotes, you need to filter them till have the lowest quote by doing as instructed earlier. Then you can call both the insurance companies and let them know the price of the other insurer and ask them if they can beat the price. In most circumstances you will get the cheapest price possible.
Getting a car insurance quote online is the fastest possible way, but fast doesn’t always mean cheap. Hence you will always have to compare as many companies as possible. Even though you can always call an insurance company to get quotes it is much quicker to do it online. This way you don’t have to call each and every insurance company to get your quotes, and you can call them only after you are convinced with the rates that you have received online.
No matter how you prefer it, getting a free car insurance quote online is always the most convenient and hassle free option available today instead of walking the streets from one insurance company to another.