Insurance quotes and assistance

Auto Health Home Life

Auto Insurance

Commercial Auto Insurance and Personal Auto Insurance
Keeping Auto Insurance Premiums Low
Take Advantage of Insurer Websites
Am I The Only One That Thinks Auto Insurance Rates Are Freaking Ridiculous?!
Flustered About Auto Insurance?
Auto Claim DENIED…WTH!!!
How much auto insurance do I need?
Do all states have a mandatory auto insurance minimum?
How do I get the best policy value for my money?

Health Insurance

Health Insurance Decisions
Do you need health insurance?
Indemnity Plans
Health Insurance Dissected…Lighten Up!
5 Things Every Health Insurance Policy Holder Needs to Do Now
Tips for Working with Customer Service
What are the most popular types of health insurance plans available?
What exactly does my health insurance premium pay for?
What is a main hospital plans?

Home Insurance

Renters Insurance Stripped
Whose Home Insurance is Responsible?
Umbrella Insurance
Expecting Home Insurance Premium Increases
5 Steps Home Insurance Policy Holders Must Take Now
What Home Insurance doesn’t Cover
Do I have to have home insurance?
How do I get the homeowners policy that gives me the best value for my money?
What if someone is injured on my land?

Life Insurance

Don’t Screw Up Your Life Insurance!
The Case for Term Life
Lying to Insurers
It’s Time To Stop Bashing Life Insurance Coverage! Have You Got A Better Solution?
Should You Sell Your Soul To The Insurance Company In The Pale Moonlight?
Do You Need a Trust?
How much life insurance do I need?
How do I get a life insurance policy that offers the best value for my money?
Should my spouse and I have separate life insurance coverage?

How do online quotes work?

If you want to get the best price, you need to shop around. That way, you collect prices and can find the best value. Welcome to the world of online quotes. This site opens the door to a thousand and more insurance companies and agents specializing in different types of policy in the auto, home, health and life markets.

Did you know that each state has an insurance department or commissioner responsible for licensing companies before they can write insurance policies? Although there are some companies big enough to sell policies in multiple states, you’ll often find more than a hundred different companies selling policies in each state. We have all the best of those companies in our database.

We take all the hard work out of contacting all the insurers licensed for your state. You start the ball rolling by inputting your residence state which immediately identifies the companies legally able to sell to you. Browsing through the list and getting insurance quotes from as many companies as possible is strongly encouraged.

Every insurer has their own quote form, which generally represents a short online questionnaire – it’s different for each of the four main categories of auto, home, health and life. An insurer needs to know who you are, where you live and collect an outline of what your insurance needs are. So, for example, in auto insurance, they’ll ask you for the make and model of your car, where it will be garaged, and so on.

In return, in some cases, you will get instant quote for a policy. But often, you’ll receive a telephone call. The problem with health and life policies is that there are many different options to discuss to make sure you get the policy you need. It would take too long to collect all this information online. A telephone discussion is best and, more importantly, also allows you to ask for more information about the terms on offer.

Always remember that you’re under no obligation to buy from any of those who give you quotes (think dating agency – you don’t have to marry any of the people you date). You’re in charge and can always pick the insurance company that offers you (and your family) the best deal.

So get your online application in and find the peace of mind and security that comes from knowing you have the right insurance policy in place.

August 13, 2008

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