5 Helpful Tips for Comparing Car Insurance Quotes and Agencies

Wednesday, December 10, 2014, 7:00 AM | Leave Comment

When it comes to finding the lowest rates on auto insurance, there are many different factors to take into consideration to find the best value. There are a lot of agencies, opinions, and resources out there, which makes the process even more confusing.

Each auto insurance company offers different coverage options with each policy, making it important to carefully review each quote for your auto needs before you commit.

If you feel overwhelmed when it comes to deciding on just one agency, there are a few things you can do make the comparison process easier.

Keep reading for a few tips that will help you choose the best policy for you personally.

  1. Research Reviews

    Research the customer satisfaction of the agency you’re considering for your car insurance by reading reviews online.

    Research how satisfied customers were with the company’s efficiency after filing a claim, or if they have strong customer service with renewing policies.

    This will ensure that you’re satisfied with the representatives and receive proper assistance.

    While some disgruntled customers might over exaggerate, you can weed through the comments to get a good idea of how customers are treated, and how they feel about the service, prices, and options.

  2. Calculate Rates Based on Payment Methods

    Although a car insurance agent may offer you a low quote on an appealing policy, it can be based on certain terms.

    You’ll likely pay less by paying for the year of coverage upfront instead of making installments throughout the year. You also want to ask how much it will cost to renew the policy.

  3. Look at Discounts

    Your rate for certain policies can be reduced by asking about discounts that are offered, which are often given to policyholders that have a clean record or have anti-theft devices installed on the vehicles that are covered.

    You might need to do your own research about specific discount since some agencies don’t publicize them.

    However, there are plenty of discounts out there for students, veterans, good drivers, and more.

  4. Look into Extra Features that are Offered

    Many agents are willing to throw in extra features on a policy to earn your business, which can include roadside assistance or safety programs for teen drivers.

    Don’t be afraid to ask and make it known that you’re comparing the policy to other quotes that you’ve received.

    If the agent knows that you are in the comparison process, they might throw in extra features to keep you from going to a competitor.

  5. Look at the Agency’s Financial Security

    With each agency that you’re considering obtaining car insurance from, it’s important to look at their financial standing.

    You could easily lose out on having proper coverage with a company that is about to go bankrupt.

    Look at their credit rating and try to find an agency that has been established for several years.

When comparing car insurance quotes, there are a few ways to determine the best policy that will offer proper coverage through a reliable agency.

By performing your research and comparing what is covered, it can help you to feel confident in the plan that you decide to purchase.

Be ready to use your research, ask questions, and go through thorough comparison—don’t just sign up with the first company you see.


This article was written by Dixie Somers, a freelance writer who loves to write for business, finance, and women’s interests. She lives in Arizona with her husband and three daughters. Dixie got advice for this article from the professionals at Thomson Schindle Green Insurance and Financial Services who specialize in auto insurance in Medicine Hat.

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