An insurance quote is an estimate of what your rate could be with a potential insurance carrier. Quotes are subject to change depending on how much information you give at the time of the quote. The more forthcoming you are with information, the more accurate your insurance quote.
01 How long does it take to get a car insurance quote?
Young man looking at car insurance on laptop
Getting a single quote should not take much of your time. A lot of factors can affect the amount of time it takes to get an insurance quote. How many drivers and vehicles you have and where you get your quote, can all affect the time it takes to actually get a quote.
Call an insurance agent: You can expect to spend five to ten minutes giving an agent your information. Then it is typical for the agent to call you back with a quote. The call back time can vary from within the hour up to several hours. Your call should be returned on the same day unless you called late in the day. The return phone call will probably take an additional five to ten minutes depending on how many questions you have about the information given to you.
Get a quote online: 15 minutes is advertised as the time it takes to get an insurance quote online. Certainly, the time varies according to your computer skills and how many vehicles you need insurance on. Online quotes require a lot of detailed information in order to get an accurate quote.
02 How many car insurance quotes should you get?
Three to five insurance quotes should give you a good look at what is available. A quick tip on getting multiple quotes at one time is to utilize independent agents. Independent agents sell insurance through multiple insurance carriers. An independent insurance agent will be able to check with each of its insurance carriers and give you their best rate. Ask an independent agent which companies they quoted you through so you do not get duplicate quotes when calling around.
A couple different online insurance websites give you the opportunity to get quotes from multiple insurance carriers too. You only need to input your information a single time to get quotes from several carriers. Getting multiple quotes at once is a huge time saver regardless if it is from an agent or online.
03 How do you select the best automobile insurance quote?
Most people pick the best insurance quote based on price. A couple of other things to consider include how efficient the agent was at getting the quote to you and explaining all the information. If you are going the online route, how did you like inputting all of the information on your own? Do you feel comfortable with all the insurance terminology?
Just as important is whether or not the quote has the coverage you need and want. When you are getting quotes on car insurance, you should have each company run the quote a similarly as possible. It is the only way you will know which carrier has the best price for you.
04 How often should you get automobile insurance quotes?
Getting quotes often is advertised frequently. But, how often should you really be getting insurance quotes? It really depends on your relationship with your insurance agency. If you love your insurance agent and trust them whole heartedly, then maybe you should never shop for a new insurance carrier. There is something to be said for good service.
Sometimes enough is enough when it comes to price though. And, there is nothing to say you can’t find good service somewhere else. If your car insurance premium increases significantly renewal after renewal, it is probably time to start inquiring about new insurance quotes.
To put an actual number on it, you should check around every two to three years unless something is happening to make you unhappy with your current carrier. Getting quotes will give you the information you need to make sure you are still receiving a competitive rate. If the price difference with the new quote is only a little bit cheaper, you should probably stick with what you have.
Automobile insurance quotes are one thing you should be comfortable with as a car owner. Insurance rates are always changing. Checking around for automobile insurance quotes could potentially save you hundreds of dollars.
Most insurance agents work normal office hours between the hours of 9 and 5. Certainly, it can vary by agent, some working Saturdays, coming in early, or closing for lunch. The agent is providing a service to his clients by being available. Clients need help with all sorts of things when it comes to auto insurance. Take a look at the top 10 reasons to contact your auto insurance agent.
01 File a Claim
After an accident, it can be stressful filing a claim. The easiest solution is to contact your auto insurance agent and ask him to file the claim for you. The agent will take down the details of the claim and a claims adjuster will contact you to verify all the information.
02 Trouble with Your Claim
If your claim isn’t going smoothly, your auto insurance agent is a great source to get things straightened out. It is especially true if the problem between you and the claim representative is poor communication. Many agents do not handle claims first hand but they do want your claim to go smoothly. Often agents will make the appropriate phone calls to managers and reps to ensure the claim stays on track.
03 Add or Remove a Driver
If you are looking to change drivers, you should call your auto insurance agent. Lots of reasons exist to change the number of drivers on your policy. Whether you are adding your new spouse, adding or removing a teenager, or splitting off your drivers after a divorce your insurance agent can help guide you through the process.
04 Add or Remove a Vehicle
Taking vehicles on and off is a common occurrence on auto policies. It is a good idea to call and get a quote from your auto insurance agent to see what the price will be when adding a vehicle. It works the same if you are selling a vehicle, your agent can let you know how much you are saving.
Always notify your agent of a move. It is important your insurance company can contact you through both mail and phone. Even if you are moving out of state, let your agent know, he may be able to look up agents in the area who sell the same insurance carrier.
06 Questions about Payment
Billing questions are extremely common. Changes to your policy, renewals, and late fees can all affect your payment and raise questions. A lot of payment options are also available, contact your auto insurance agent to go over all the options.
07 Change Coverage
Sometimes you just need to change the coverage on your existing vehicle. Maybe you are putting your sports car in storage for the winter. Your insurance agent will be able to give you advice on your decision and also make sure the change gets processed correctly.
08 Inquire about Cheaper Insurance
The only stupid question is the one you do not ask. Asking your agent to review your policy is a great way to potentially save some cash. Discounts could have been missed or rating options could be applied improperly. If your rate has gone up, renewal is the perfect time to check and see if cheaper insurance is available with your current carrier.
09 Adding more Policies to Get Multi-Policy Discount
Always call your auto insurance agent if you are purchasing a home and need home insurance. You should be eligible to save on your auto insurance with the multi-policy discount. If the discount is not available then it is time to start shopping elsewhere. But a great tip is to always start with your current auto insurance agent.
10 Sponsorship for Kids
Insurance agents are members of the community. Many like to sponsor local kids and especially support the kids of their clients. If your child is looking for sponsorship whether it is for cub scouts, 4H, or a school trip, check with your insurance agent to see if he’d be interested in helping out.
Anytime you have an insurance question your agent should be more than happy to help. Call within business hours because it is easier for you to catch your agent at his desk than it is for your agent to catch you out and about, plus it is really annoying for insurance agents to get phone calls when it is clearly after hours.