Insurance is complex — so complex that even insurance agents continuously need to educate themselves on the latest trends and offerings. Accordingly, simply identifying the type and amount of coverage you’d like to get a quote for can be tricky in and of itself. And if you don’t choose the coverage correctly, the quote isn’t useful.
An online quote is one of the easiest ways for your name to end up on an insurance agent’s sales-call list. Unless the quote form you fill out specifically gives you the option to turn down being contacted, expect many calls or emails within the next week.
Online car insurance quotes can give you a fairly accurate price for your collision and comprehensive coverage, but liability — arguably the most important aspect of coverage — is much harder to accurately quote without detailed personal information. The same goes for underinsured motorist coverage, which is another vital protection.
Each insurance provider offers extra “bells and whistles” that separate their policies from the competition’s, such as Accident Forgiveness and Diminishing Deductibles. These extras can provide a lot of extra value, and are difficult to evaluate when comparing online quotes.
If a price you are quoted online seems too good to be true, it probably is. These “lowball” quotes for dubious coverage are often just a way to grab your contact information, and the agents who eventually call you will try to upsell you to a much pricier policy.
Sites that provide quotes from multiple insurance carriers at once might seem like a time-saving convenience, but unfortunately these sites may feature some of the least reputable insurance carriers or sell your contact information to others. Stick with the trusted names you know. Online quotes can be helpful and convenient for getting ballpark costs of comprehensive and collision coverage from a range of insurance providers. Because of the weaknesses that are inherent to the online quote process, however, it is advisable that you simply contact your trusted insurance agent directly. These experts can help you navigate the many complex options and find the coverage that offers you the best protection at the best value.
–Written by Matt Forrest
AAA Washington Insurance agents are here to help. Whether you’re ready to buy, need an insurance review or simply have questions, we’re your one-stop shop. Call (877) 222-4678 for a free, no-obligation consultation.