Comparable car quotes bring better value!
We compare your current car insurance with multiple companies and send over a thoughtful email with our results.
Results? Usually better coverage for less money.
Time and cost? 5 to 15 minutes of your time. (Get us your current insurance before-hand, and it can be less!)
Follow up? We follow up how you want. No pushy sales or endless auto-drip, multi-channel, whiz-bang campaigns.
If you’d like to learn more about how car insurance works, go to our Understanding Auto Insurance page.
Three important steps for getting good auto insurance quotes:
1. Take a few minutes to know your current coverage by checking the “declarations pages.”
Many people know what they’re paying (that’s why they call for quotes) but to get an accurate sense of value you should also know your current coverages so that a no-good insurance rep doesn’t just reduce your coverages and say “yes, we can save you money.”
This is fairly easy and should only take 5-10 minutes. Log into your current insurance website or app and, usually under “Documents,” download the “Declarations Page,” which outlines your coverages. (If you don’t have an online account, you should have a copy from the mail, or can request one from your insurance agent).
The declarations pages allow you to know your main coverages & some additional benefits that may be included in your car policy.
Especially look to see if your policy includes features like accident forgiveness, a reduced deductible, or gap loan coverage. All such coverages have some value and will help you make a better comparison.
(Go to our Understanding Car Insurance if you’d like to know about what each coverage does.)
2. Get multiple quotes ahead of time (a couple weeks ahead).
First off, if your goal is to save some money, some carriers will give you an extra discount for quoting ahead.
Most important, you’ll have time to consider your options, clarify differences between competing quotes, run it by a spouse, or gather additional information such as drivers license numbers, car photos, etc.
This lead time also helps the agency put together accurate quotes (especially if you want them to quote more than one company for you). It also gives them time to clarify any underwriting issues that may arise.
We love providing multiple quotes ahead of time!
3. Ask the agent a few good questions such as
Are there reasonable ways you see to reduce the cost?
Agents can be reticent to advise reducing coverages because they may worry that you’ll remove a coverage and then that loss will happen! But the reality is that the coverage is your choice, and a thoughtful and experienced agent may have some ideas.
For instance, if your kids have moved on and you have a spare car around the house, you may not want rental reimbursement coverage, or you may want to suspend a vehicle. Or, if one of your cars is only worth a few thousand dollars, dropping collision may be worth the savings for you.
Are there any coverages you see that I should consider adding?
This might be a scary one but it is a good one to ask, especially if you haven’t revisited your insurance for awhile. Remember, you don’t have to take their suggestions, but it’s good to know if they see a potential shortfall.
For instance, we’ve come across clients who haven’t changed their car liability limits since college, but now they make a good living and own a good house. In other words, they have way more to protect than before. Yes, we think they should consider better coverage.
Consider requesting car insurance quotes from us, we’d love to help!