Car Insurance

It’s important to re-examine your car insurance about once a year and every time you acquire a new car. The reason is that insurance companies frequently change their rate structures. A company that offers the best rates today may be the highest cost company in a couple of months after they raise their rates.

Furthermore, a company that offers the best rates for minimum-coverage, high-deductible insurance may not offer the best rates for the higher level coverage you need for leasing. Actually, you may be able to find a car insurance company that offers high level coverage for about the same rate as another company’s low level coverage.

Recommendations

Before the Internet came along, it was quite a chore to shop for auto insurance. Now, however, it’s a breeze because the companies are all online with excellent web sites. Insurance brokers are also online, making it extremely easy to get multiple instant quotes from different companies from a single source. They save you the trouble of contacting individual insurance companies because they do it for you. The services of these online brokers are free to consumers; they make their money from the insurance companies.

You are under no obligation to accept any quote offered by these companies. There are no fees or costs involved to get quotes from them. It’s a no-lose deal. If you don’t get rates you like, you can shop elsewhere.

Here are the online car insurance companies and brokers that we recommend.

GEICO is one of the well-known top four car insurance companies in the country with low prices and the top-ranked customer service web site of all. You not only get free quotes from their site but, you can also file claims, view estimates and photographs, contact your adjuster, and get payment status. Not only that, but they also explain exactly how they process a claim, what to do if you’re in an accident, and where to find a repair shop near you. What a great web site!

21st Century Insurance Company is a well respected car insurance company serving California, Arizona, Florida, Georgia, Illinois, Indiana, Nevada, Ohio, Oregon, Pennslyvania, Texas, and Washington.They insure over 1.4 million automobiles and have an annual renewal rate of over 93%, which says something about how satisfied their customers are with the company. If you live in one the states they cover, we suggest you get a quote from them.

InsureMe is an established and popular car insurance broker, having been around since 1993. They have a network of thousands of participating insurance agents and companies across the United States, including in your area. Once you complete their online form, they match your profile to as many as five companies, who will provide you free rate quotes that you can compare and choose from. Remember, you are not obligated to accept any of the offers. The chances of your finding a rate that beats your current insurance company is high.

Insurance.com is a free car insurance insurance shopping service that allows you to compare rates from multiple carriers by simply filling out one online form. By matching your profile with multiple insurance companies, their detailed application form ensures you will receive only quotes that best fit your particular situation. They claim their customers’ average savings is $451 a year. We particularly like the wealth of educational articles they provide that answers questions you may have regarding auto insurance, including how to save money by selecting the right coverage. It’s well worth a visit.