• Finding the Best Discount Car Insurance Company

    Finding a discount car insurance company is easy. A quick search of the Internet will bring up thousands of listings. While price is always important, reliability and the reputation of the insurance company should also be a top priority. When it comes time to file a claim, you want to be dealing with a reputable company who won’t leave you out in the cold when you really need them. The lowest priced policy is not always the best deal. Finding the best policy for you is hard work. Here are a few tips to simplify your search.

    1. Quotes – Getting a lot of quotes is the number one piece of advice from insurance experts. Comparing as many quotes as possible will help you find the policy that is perfect for your situation. No two polices are the same, and everyone has different insurance needs. What turns out to be the perfect policy for you, may not be right for another person. The same can be said of insurance companies. They have different guidelines and criteria, which means the best insurance company is the one that best meets your needs. Searching for a policy can take time, but the money you will save will be well worth it. Finding quotes is the easy part. You can go directly to the major insurers, use a free quote service or call an agent if you are more comfortable on the phone. 

    2. Direct with the Majors – Every one of the major insurance companies have an extremely sophisticated website. They can provide you with quotes, and even allow you to purchase a policy directly online. These sites are also loaded with information that can help you decide which type of coverage you need.  Getting a quote is quick and easy. Simply fill in a request form and you will receive an instant quote. A short list of the major insurers would include  AllState, PROGRESSIVE, State Farm, Nationwide and GEICO.

    3. Consolidator Sites – Consolidator sites make shopping for quotes a bit easier. Fill out one form at a consolidator site, and you will get between 5-15 quotes from both the major insurance companies, and local agents. Once you have compared quotes and found one that suits your needs you can purchase the policy directly from the insurance company or agent. NetQuote.com, InsuranceQuotes.com, and esurance are a few of the more reputable and reliable sites.

    4. Agents – Dealing with a local agent can be the best route if you are unsure of the coverage you need, are confused about types of coverage, or just prefer dealing face to face with a person. Agents can explain in detail what each type of insurance covers, and answer any questions you may have. Many of the major insurers will have local offices, or you can consult an independent agent. An independent agent can provide quotes from many different insurance companies. Check your local yellow pages or do an Internet search for a listing of agents in your area.

    Finding the best insurance policy takes time and some effort. Remember, the best insurance company is the one that meets all of your requirements at a price you are happy with. Hopefully these tips will make your search a bit easier.