Getting Free Car Insurance Quotes Online

If you’re in the market for new car insurance, by now you may have heard about the car insurance comparison engines. If you have not, you should pay attention, as you are about to revolutionize the way that you shop for insurance.

Since the advent of the internet, things have become easier and quicker. Everything, from searching for information, to holiday shopping, has become a convenience that many don’t know what they’d do without it. Auto insurance shopping is no different.

The best way to check out the lowest prices you can possibly get on car insurance is to look it up online via a comparison engine. It really is as simple as entering your information and running with it.

Typically the comparison engine will take your information that, due to the niceties of the internet, you don’t have to enter but once, and send it to the biggest insurance companies out there. Of course, they will do all of this for free, as they make their money when they refer someone to the insurance company’s service.

These are all features I would expect in a comparison engine, of course. However, the comparison engines are typically capable of doing a lot more. Once you have your information into the engine, you can change features such as the amount of your deductible, your level of liability and extras such as glass coverage or free rental cars. This way, you can be sure you’re comparing apples to apples instead of wondering if you’re actually comparing two of the same types of programs.

Of course, price isn’t everything. Once you get the quotes from the companies that are in agreement with the comparison engines, you can then do further research on the company offering it, as the quality of the company and the payout ratio is a very large part of buying an insurance plan.

To do this, you can visit the website of your state’s insurance regulatory committee and check out a few things about the company you’re about to switch to. For example, you’ll want to check out their payout percentage – this is a ratio of how many claims where paid out when compared to how many were submitted by their users or members. This is very important, as it is sometimes the policy of bigger insurance companies to try to hold off on payments if it is possible. No matter how good your policy is written, it may contain loopholes that you may not be aware of (but the company is).