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 zip code which immediately identifies the companies legally able to sell to you.

Then there’s a short online questionnaire - it’s different for each of the four main categories of auto, home, health and life. We need to know who you are, where you live and collect an outline of what your insurance needs are. So, for example, in auto insurance, we’ll ask you for the make and model of your car, where it will be garaged, and so on.

When we have this basic information, we match you to all the main insurers for your area and give you a list. This matching depends on the type of insurance you’re looking for and the identity of your current insurance company (if any - this may be your first time).

Over the next two days, you’ll receive quotes from all the companies that can offer you a good deal. 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.