Jessica Sautter is a Content Writer for CarInsuranceCompanies.com with a Bachelor’s Degree from Eastern Michigan University in Elementary Education with a Major in Reading and a Minor in Mathematics.

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Chris Harrigan has an economic degree from Limestone College and an MBA from Clemson University. He previously managed auto insurance claims for Enterprise Rent-A-Car. Currently, he is using his business and insurance expertise to provide insurance data analysis and visualizations to enhance the user experience.

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Reviewed by Chris Harrigan
Former Auto Insurance Claims Manager

UPDATED: Sep 19, 2020

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Key takeaways...

  • A.M. Best Company is the industry watchdog that rates every insurance company
  • Every driver is required to carry appropriate auto insurance coverage to comply with state law
  • Car insurance companies will provide quotes that draw new customers by offering variations.

Many websites offer basic car insurance quotes so the consumer has a general idea about the cost of insurance and can get car insurance quotes.

Insurance companies and agents will often design an attractive webpage that will gather some necessary information from the potential customer, which becomes a lead that is followed.

Actual insurance coverage and the associated annual premium are based on numerous factors that are directly related to the individual and the specific car to be insured.

When seeking online car insurance quotes consider the following aspects of the policy and the company before making the final decision.

Enter your zip code above and compare online car insurance quotes instantly!

Table of Contents

Required Components to Getting Car Insurance Quotes

Every standard car insurance policy will contain various components that comprise the coverage paid by the insurer in the event of a loss.

Aspects that are not included in the policy coverage will not be paid if damage to the vehicle occurs.

Detailed information must be provided to the insurer to make sure that all loss is covered under the policy. Every driver is required to carry appropriate auto insurance coverage to comply with state law.

Here are the coverages that are mandatory:

  • Comprehensive – All damage that is not directly related to a collision with another vehicle or stationary object is covered under the comprehensive insurance component. This type of coverage includes theft, storm damage, and falling objects.
  • Collision – Vehicle damage that is sustained because of a collision is covered under this component up to the dollar limit stated in the policy documentation. Most banks will require this coverage for a car that is financed.
  • Liability – Damage to the property of other people is covered under the liability component of the insurance policy. Medical care for other people is also paid for this coverage. All drivers are required by state law to carry a minimum amount of liability insurance.
  • Medical – If this component is purchased by the driver, the medical expenses of the driver are covered up to the policy limit. Medical fees for individuals in the car are paid under the liability coverage up to the policy limit.
  • Deductible – The policy premium is set based on the amount of money the driver will contribute to the payment of a claim. When the insurance company must pay for the entire claim, which means the deductible is zero, the insurance premium is set higher than if the deductible was set at $1000.

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Reputable Car Insurance Company

The supposedly best car insurance companies may not offer the best insurance coverage and customer service on the market.

Some insurance companies are well known because they have large advertising budgets that keep their names consistently before the driving public.

A.M. Best Company is the industry watchdog that rates every insurance company. Their website is an excellent source of objective information about the following attributes of each insurer.

  • Customer Service – An insurer’s ability to deal with questions, claims, and problems will be essential if a loss occurs. Every insurance company is rated for their actual handling of client inquiries, and that information is part of their rating at A.M. Best Company.
  • Claim Payments – Some very famous insurance companies are notorious for disputing even the most straightforward claim. Actual claim payment records are kept by A.M. Best Company and should be reviewed before buying a policy from any insurer.
  • Longevity – Companies that have been in business for a very long time are usually trusted to provide claim payments and excellent customer support. This assumption can be costly sufficient research is not part of the evaluation.

Objective Evaluation of Getting Car Insurance Quotes

As quotes are provided, the savvy insurance shopper will investigate each offered annual premium amount to ensure that the policies are comparable.

Car insurance companies will provide quotes that draw new customers by offering variations.

Here are the following factors:

  • Coverage Amounts – Each quote should contain the same amount of coverage for each component, including collision, comprehensive and liability. One method of presenting a little premium amount is to quote minimum amounts in each category or provide a quote that covers liability coverage alone.
  • Deductibles – A deductible amount of $1000 will lower the premium amount drastically so care must be taken to check the deductible amount for each quote. Very high deductible amounts can create a financial hardship in the event of a loss.
  • Introductory Rates – Insurance companies will offer low premium rates for the first six months to win new customers. When the policy premium is adjusted at renewal time, the driver is surprised to find out that their future rate is comparable to the market rates.
  • No Frills – Policy documentation must be provided with every insurance policy and should be reviewed for disclaimers that exempt the insurer from paying for inevitable losses. If the car has custom features, some standard plans will not pay to repair or replace them. All documentation must be read carefully.
  • Discounts – Certain categories of auto insurance discounts can lower the annual premium amount drastically, but those same discounts can vanish at the insurer’s discretion.

Final Decision on Getting Car Insurance quotes

Online car insurance quotes are a starting point for the driver wishing to find some information about various car insurance rates.

Driving records and the personal profile of the primary driver will have a significant impact on the premium charged by the insurance company.

Risks associated with driving habits are more important in the final risk assessment than the car model or the geographic location.

Each car insurance company will reward drivers for specific behaviors that associate with maturity and responsible behavior.

High-risk drivers will not find cheap car insurance because the entire industry evaluates risk and assigns a price to the cost of carrying that risk.

The final choice for the wise driver is based on the coverage and the final cost of the car insurance as well as the reputation of the insurance company. Enter your zip code below and save money today!

References:

  1. https://www.nationwide.com/comprehensive-car-insurance.jsp
  2. https://www.geico.com/general-liability-insurance/
  3. https://www.esurance.com/insurance/car/coverage
  4. http://www.ambest.com/
  5. https://www.allstate.com/tools-and-resources/car-insurance/ask-agent-premium-deductible-limit.aspx
  6. https://www.statefarm.com/insurance/auto/resources/high-risk-auto-insurance