The Cost Of Not Shopping Around For Car Insurance

Shopping for car insurance isn’t what most people consider a fun activity, but not taking the time could actually be costing you a lot of money. The easiest way to save on car insurance premiums is to compare rates, and it doesn’t take nearly as much time as you would think. Thanks to online quoting, you can compare rates quickly and easily and find out if there is a better deal out there for you.

Why You Should Shop Around

Car insurance companies can set their own rates, which means that there can be vast differences from one company to the next. Car insurance rates are based on a number of factors including the type of car, how the car is used, the driving record of the driver, and where the car is kept. Because each company weighs these things differently, even drivers with problem records including tickets and accidents can find themselves saving a lot of money by shopping around.

The Common Reasons People Don’t Shop Around

Most people don’t bother to shop around for a few basic reasons. Most of them involve time, but some of them are simply that they don’t believe they can actually save money, or that it’s not worth the effort because they don’t know how easy it is to get quotes with today’s online quoting services. Take a look at these common reasons and some testimonials from Insurance Hotline customers.

Not Enough Time. With our busy lives these days finding the time to get car insurance can be difficult. Online quoting is the fastest way to get insurance quotes, and offers one of the quickest and easiest tools for comparing without wasting a lot of time.

"The process in getting my quote was simple and quick"

– Lucy Silveira.

Not Believing There’s a Better Rate Out There. Some drivers don’t think there is a better rate for them available. Whether it’s because of a ticket, an accident, or a young driver in the household, some people are being charged higher rates. That doesn’t mean they can’t benefit from shopping around. Almost anyone can find a better rate no matter what is causing the rate increase.

"Thank you so much for this. I am a very busy professional single Mom with no time to shop around for insurance and an 18 year old to add as primary driver on a second car. The quote that I received from my current broker was outrageous. This tool was awesome and meant about a 150.00 a month savings."

– Catherine Watson

Thinking Getting and Comparing Quotes is Complicated. Certainly it once took a lot of time and effort to compare quotes and make sure that they were a fair apples-to-apples comparison. But today you don’t have to call around to various insurance companies and give the same information over and over, and then go over the quotes to ensure they’re all offering the same coverage Using our online quoting service you can simply enter the information once, and then get back a list of quotes in simple format that makes it easy to compare.

"I actually tried esurance and two other online sites and settled on yours as the process was much easier to follow, plus I really like the ending; whereby, you compare and give the numbers and names of the 5 lowest quotes. (great feature). Thanks and keep up the excellent work."

– Paul Hugh

Why Not Shopping Around Could Cost You

If you don’t compare quotes regularly, you could be overpaying by hundreds of dollars for your car insurance. Even if you do already have the best rate out there, rates change all the time. Getting car insurance quotes allows you to stay on top of your insurance and have the peace of mind of knowing you’ve always got the best rates. There’s no obligation to take a new policy when you get a quote, and it costs you nothing other than a little of your time to compare. Not comparing, on the other hand, could cost you a lot of money the longer you stick with an overpriced policy. Shop and compare regularly; at least once a year when your insurance renewal arrives as a general rule. You’ll save in the long run.