How to Compare Car Insurance Quotes, Rates, and Policies

If you’re looking to compare car insurance, it couldn’t be easier than it is today. In years past, you'd have to call up insurance companies, schedule an appointment, go in to visit with an agent, and then wait to hear back from them on what they could offer you, after they checked out your data. Today, all you have to do is go online.

• Today, the Internet can provide easy ways for you to compare car insurance rates. There are many websites around that will allow you to type in your particular information and they will do the searching and contacting for you. For example, insurance.com only requires that you type in your type of insurance (auto, home, life, etc.), and your zip code, whether you already have insurance, and contact information. Do that, and you will get a series of quotes. It advertises up to 4 rates, from over 12 well-known insurance companies. Some sites, such as this one, will also offer an online chat so you can ask questions in real time.
• Every major insurance agency has its own online site these days, and many provide their own online quote system. Just like major automobile dealerships offer an ‘online’ sales representative so you don’t have to deal with salespeople, you can shop around insurance companies to compare car insurance quotes without even having to deal with an actual human. Of course, if you’re one to negotiate for a better deal, this may not be your best option.
• Don’t forget your state government. States typically regulate insurance, and thus, many states also offer a wide variety of ways to help you compare car insurance policies. The state of Massachusetts, for example, offers a site called InsureMASS – the Massachusetts Division of Insurance Information Portal for Consumers. You answer a few simple questions such as how many miles you typically drive your car, your zip code, and type of car, and the site will provide you with a list of typical insurance premiums for your location. That way, you know what you should be getting, on average. So when you do shop for insurance, you’ll know if you’re getting a good deal or being taken advantage of. Go to your state’s official website and conduct a search using the word ‘insurance’ to see if they offer such help.
• Don’t forget all the commercial websites around that will help you with quote calculators. For example, the Money/Personal Finance section of msn gives you not only a calculator to estimate what you should be paying, but also links to major insurance agencies. Also, helpful links and resources, such as msn’s “5-minute guide to car insurance”. On that page, you’ll find a wealth of information, such as “22 tips to save on car insurance”. Tools included on that site include a link to compare premiums on 2010 models, and a quiz to see if you know what your insurance should cover.

Shopping for car insurance can be daunting, but if you spend a little bit of time before you’re ready to sign up, you can come to the table better prepared and in charge of your situation.