Do you already know which car insurance site you want to go with? Or are you more interested in comparing the available options and picking the best deal from your options? Either way, there are plenty of great sites out there that can help you get the protection you need at an affordable price, so take some time to research and compare your options today. You’ll be glad that you did!
The Companies
There are many car insurance comparison websites to choose from. It’s important to do your homework before picking one. The first thing to look for is if the company offers the same level of coverage that you need. For example, if you have an older car, it might not be worth paying for comprehensive and collision coverage.
Other factors that should be considered when choosing a company are their customer service availability, price, credit score requirements, and discounts offered. Also consider how quickly they will pay out in case of a claim. Finally, consider what other services they offer besides car insurance like renter’s or homeowner’s policies.
Premiums
Many factors go into determining the cost of your car insurance premium. These include your driving record, marital status, credit score, and even where you live. If you have a good record as a driver, marry later in life and live in a low-risk area with low crime rates, you might pay less for car insurance than someone who has a poor driving record or lives in an area with high crime rates. For instance, let’s say that person A is married and has never been convicted of a DUI or DWI, but person B is divorced with one conviction for DUI. The most expensive company for person A would be USAA at $2,381/year while the cheapest would be USAA at $1,010/year. For person B though, the most expensive company would be GEICO at $3175/year while the cheapest would be USAA at $990/year.
Customer Service
Geico is a customer service-oriented company and has a rating of 7.9 out of 10 according to the American Customer Satisfaction Index. Geico’s customer service centers are open 24/7 so they can answer your questions whenever you need them, and their representatives are always available to help you with your insurance needs. For example, if you’re looking for coverage during an emergency road trip but don’t know which state requires proof of auto insurance before it will grant an entry permit, then all you have to do is call Geico and a representative will provide the information.
Geico also allows customers to file claims by phone or over its website, simplifying what would be a cumbersome process for most other companies.
Discounts
Many car insurance sites offer discounts to seniors, students, members of the military, and more. The best way to get a good deal is to compare prices across different sites. When comparing rates, it’s important to take into account deductible amounts as well as other factors that can make one site cheaper than another for your needs. For example, if you’re looking for comprehensive coverage with a $500 deductible, then you would need to go through each site’s offerings in order to find which company has the cheapest rate at that level of coverage. If you’re interested in liability only coverage with a $250 deductible, then finding the right company could be easier.
The decision really comes down to what type of coverage or policy type you are after. If you want comprehensive insurance or full protection, going with an independent agent may be worth your while as they may be able to provide options not offered by an online comparison site.
Value vs. Cost
When deciding which site is the best for your car insurance needs, it is important to look at both value and cost. For example, one site might offer good coverage but with a high monthly premium. This would be a great option if you were looking for comprehensive coverage that comes with an expensive deductible. On the other hand, another site might offer less coverage but at a much lower price point. If you are interested in liability-only or liability and collision coverage, this would be a better fit for you. However, make sure you know exactly what your needs are before committing to anything! You can compare rates between sites by using our handy comparison tool (see link below) or you can call them directly and ask about their rates. Also, always check with your employer to see if they have discounts through any of these companies!
Check out our infographic
Are you in the market for car insurance? If so, you’re probably looking at a few different comparison sites. And while they may all seem to be the same, there’s actually quite a lot of differences between them. For example, some only offer quotes from one company, while others are more like an aggregator that collects information from many sources. We created this infographic to help you figure out which car insurance site is best for your needs! There are too many options and it can feel overwhelming when comparing prices. Check out our infographic to find out who offers the most features or cheapest rates! The inforgraphic compares six car insurance companies, including direct insurers such as Allstate and GEICO, as well as third-party providers such as CompareTheMarket, Coverhound, and MoneySupermarket. Click here to see the full graphic now.
