car insurance quote

Maybe you’re tired of paying high insurance rates, or maybe you just bought a new car. Either way, it’s time to start looking for better rates and more coverage. In fact, consumer advocacy groups recommend that you review your insurance rates every year to make sure you’re not paying more than you should. With this in mind, you may be wondering how many quotes you should receive before choosing a new company.

One is the loneliest number

If  you quote one, you’re probably wrong. While it’s possible you’ll accidentally come across the  best and cheapest insurance rates in town, it’s not  likely. In fact, insurance industry leaders say consumers who receive a single quote risk paying more than they should. Experts recommend getting at least three quotes before choosing the final cover. There is no magic number, but  having at least 3 companies bidding for your business will give you  a better idea of ​​what the market has in store for drivers like you. Learn more at

Prices and discounts vary widely

Statistics show that insurance rates vary by hundreds of dollars from apple to apple, and consumers who only get quotes can pay  higher monthly premiums and miss out on the deductibles that comparators would get. Definitely worth a visit. Also, one insurance company may charge a higher premium  (think drunk driving or speeding), and other insurance companies may not charge the same premium. With more than 50 insurers in the United States, competition  for the best rates is fierce.

The Process

Over the past few years, getting an insurance quote has been difficult to say the least. You have to call  the insurance company involved, answer a lot of questions and wait for a quote to be generated. Today, however, it’s actually very simple. Sites can offer multiple offers and users only have to enter their information once. While yes, you can still browse the Yellow Pages and contact individual companies, you don’t have to unless  you enjoy doing so. The most important thing is to make sure that all the companies you compare offer the same type of policy.

When preparing to buy new insurance and get a quote, have the following information ready before you call or use a computer

  • Driver’s license number
  • Home address (not  PO Box)
  • Approximate one-way mileage  and back from work
  • Vehicle Identification Number (VIN)
  • Vehicle Make/Model/Year
  • Current Insurer

Cheaper is better, right?

Low cost insurance is not the premium winner when buying insurance. It’s also important to look at the fees and what they cover. Don’t fall into the trap of a low-income policy that only offers  collision coverage as required by law. Insurance does not protect you if the collision results in expensive repairs to your car or someone else’s car. What good are savings measures if your car isn’t properly insured? The purpose of insurance is to provide you with financial assistance when you need it most: when you make a claim. So make sure the company has a good reputation and a history of paying claims. Check rates and coverage to make sure you’re getting the best coverage possible.

By Anurag Rathod

Anurag Rathod, as a blogger he used to spread all about app-based business, startup solution, on-demand business tips and ideas and so on.