Free auto insurance quotes are commonplace nowadays. Any insurance quote that you receive should be free. To get an insurance quote, you have several options to choose from.
- Contact an agent that already insures your house. Many insurers offer discounts when a homeowner insures both her home and vehicles with the same company. These discounts can be as high as 10 to 15%, so it may be worthwhile to ask your insurance agent.
- Find an agent in the yellow pages. This is the tried and true method that has worked for years, and many individuals still prefer to use an insurance agent from the yellow pages. Since the arrival of the internet, this may not be the cheapest method, but if you insist on talking to a person it may be the best option for you.
- Get an online quote. If you're willing to use the internet to get a free auto insurance quote, you can save yourself quite a bit of money. Many companies give lower rates via the internet, and these rates frequently are not available through agents or call centers. Regardless of the method you decide to use for your price quote, you should check quotes from at least three or four companies to determine what is an acceptable price. To get an online quote, you may want to visit one or two of the webpages listed below. This list isn't necessarily comprehensive, but it's a good starting place.
- Progressive.com, Geico.com, esurance.com, Statefarm.com, Allstate.com, Insure.com.
- Yahoo: One of my favorite services is Yahoo's insurance finder. You can find it at autos.yahoo.com. It searches several insurance company prices and presents you with the findings.
When you are ready to get a quote, you might want to get this information ready in order to receive your insurance quote a little faster:
- Expect to answer some personal questions such as your name, address, phone number and social security number. You are not required to provide your social security number for a price quote, but your quote will probably be more accurate if your do. This is because part of your rate is based on your credit score. A good credit score can mean a reduced insurance rate.
- Write down the VIN (Vehicle Identification Number) of each car that you plan to insure. You may need this to speed up questions about the make, model and engine in your car.
- Accidents and moving violations. Your prospective insurer will want to know about your driving history.
- Estimate your approximate driving mileage per year. If you drive substantially less than the average of 12,000 miles per year, you may be able to get a lower rate.