Forum Thread

Best way to shop Car Insurance

10,364 4,841 March 8, 2018 at 06:33 AM
Hi,

What is the best way to shop for car insurance company? Call them myself individually, use a site like caompare.com (or other site?), or use a third party agent to get multiple quotes?

Besides USAA (meant for people who have served in Army/Airforce/Navy), which company is regarded as best for car insurance?

Thanks for any help provided!

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#2
Dont use one of the third party compare sights. I did it and before i could finish it i had about 15 insurance agents calling me. All at once.
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#3
You can call or use each respective insurance company website to compare as each will have different underwriting requirements. However, an insurance agency/broker will usually yield the best results as they write and sell policies for multiple insurance companies. They can compare rates for you. They are also free to use. Cost will vary by insurance company but your coverage choices will drive the price in every state.
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#4
Quote from Jshaver73
:
Dont use one of the third party compare sights. I did it and before i could finish it i had about 15 insurance agents calling me. All at once.
Quote from psujester24
:
You can call or use each respective insurance company website to compare as each will have different underwriting requirements. However, an insurance agency/broker will usually yield the best results as they write and sell policies for multiple insurance companies. They can compare rates for you. They are also free to use. Cost will vary by insurance company but your coverage choices will drive the price in every state.
Thanks for the info!
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#5
Go to an independent insurance agent and have him run some quotes for you. The online comparison sites generally gather your info (security issues) and then will spam you with quotes\calls (and then maybe sell your phone number and address to other spammers). They are OK if you just want a rough idea, but one needs to compare apples to apples and insurance companies get you with all the fine print so you want to make sure you actually get the coverage you want\need quoted.

My 2 cents.
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#6
I shop around a lot and have had the best rates by shopping direct with the insurer themselves. I have had https://direct.kemper.com/phslanding.aspx http://greatday.amicacoverage.com...ZJEALw_wcB
https://www.progressive.com/lp/au...67EALw_wcB

The crappy thing is many insurers use a teaser rate or what they call a welcome rate to suck you in. Crappy but something to be aware of. Another thing to be aware of is that multiple policies at some insurers gives you a significant discount. Allstate is a good example. Unfortunately Allstate doesn't like to insure mobile homes at a competitive rate.
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Last edited by truckinusa March 14, 2018 at 12:25 AM.
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#7
Quote from YanksIn2009
:
Go to an independent insurance agent and have him run some quotes for you. The online comparison sites generally gather your info (security issues) and then will spam you with quotes\calls (and then maybe sell your phone number and address to other spammers). They are OK if you just want a rough idea, but one needs to compare apples to apples and insurance companies get you with all the fine print so you want to make sure you actually get the coverage you want\need quoted.

My 2 cents.
Quote from truckinusa
:
I shop around a lot and have had the best rates by shopping direct with the insurer themselves. I have had https://direct.kemper.com/phslanding.aspx http://greatday.amicacoverage.com...ZJEALw_wcB
https://www.progressive.com/lp/au...67EALw_wcB

The crappy thing is many insurers use a teaser rate or what they call a welcome rate to suck you in. Crappy but something to be aware of. Another thing to be aware of is that multiple policies at some insurers gives you a significant discount. Allstate is a good example. Unfortunately Allstate doesn't like to insure mobile homes at a competitive rate.
Thanks for the info!
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