Get a car insurence quote – There are several methods to go about locating the cheapest insurers. Individuals can pick up a phone book and call the various listings one by one, drive down to local offices and meet with agents or hop online and visit the websites of a handful of providers. Regardless of the method that one chooses to shop for coverage, the bottom line is that obtaining and comparing the rates from as many carriers as possible is a consumer’s best bet to finding the cheapest company for them particularly.

When motorists set out to find cheap car insurance companies they must understand one thing; every company will rate a single driver differently based on their statistics and charge each a different amount. The most common factors that insurers take into consideration when determining premiums is a driver’s age, gender, driving history, garaging address, vehicle information and desired coverage. Depending on a company’s profitability with certain risk factors of applicants, rates will vary with each. Therefore, comparison shopping is a vital step to finding the best deal available for each individual due to the fact that while one driver may obtain a great deal with one particular carrier, the same may not necessarily apply for another.

Locating Cheap car insurance Companies Online

Although the old methods of comparison shopping such as calling various companies or visiting offices and negotiating with agents can be an effective way of locating a cheap rate, they can also be very time consuming. The Internet has made for a very fast and convenient way to locate inexpensive auto insurance companies with the ability to shop around from the comfort of one’s own home at any time of the day. No longer are consumers held to an office’s business hours which are usually the same as most individuals.

There are several ways the Internet can be used to find cheap rates for coverage; an individual can visit the websites of various insurers and obtain quotes from each or use the services of a comparison website such as QuoteClix.com. By visiting the websites of companies, one will be prompted to enter their information on each in order to obtain a quote which may take a bit of time. Fortunately, comparison websites can take the leg work out of the shopping process for consumers. Individuals can visit the website and enter their basic information needed to calculate premiums only once and receive rates from various providers.

One can then compare and choose the company who is offering the best rate all on one site. The Missouri Department of Insurance recommends that motorists get at least three quotes to choose from and has stated that individuals can probably get 20 quotes online in the same time it would take to call three agents. Other major advantages of comparison websites is that obtaining quotations is free, there is no obligation to buy and individuals do not need to provide personal information such as driver’s license and social security numbers.