Low Cost Auto Insurance

With all of the commercials and money being spent to convince you that 15 minutes really could save you 15%... or that it is so easy a caveman could do it... you eventually have to ask yourself, "Is it true?" "Can I really save money on car insurance?" "Where can I find this low cost auto insurance?"

The answer most certainly is "Yes", and statistics are starting to back it up. The Insurance Information Institute statistics indicate that premiums are increasing very slowly nationwide and in fact are falling in some states. Insurance companies are getting into cut-throat price wars and a big reason behind that, we believe is the use of the internet in shopping for auto insurance. Coverage for cars is starting to appear as a commodity where consumers seem to be focusing on price more than ever, which is causing companies to make rates more and more competitive. We have noticed this trend online as well.

Perhaps the best example is esurance.com. Frankly we find that time and time again, that esurance offers the lowest rates online. As much as geico and others set the table in getting customers to believe that lower rates are available online... esurance seems to build on that belief and then cut rates even more. We haven't seen much in the way of feedback regarding claims service on esurance, but we have to believe that they are making up for the low rates somewhere. It will be interesting to watch them over the next few years as they continue to advertise and build brand recognition.

If you are wanting to use the internet to find low cost auto insurance, we suggest you take a close look at a couple of sites. First, get a quote from insurance.com. The process takes about 5 minutes, but at the end you will get 5 quotes online from insurers including Progressive, The Hartford, AIG, Safeco and more. This will give you a very good starting point as you move forward. The reason we like them as a starting point, is that the results appear online, not as spam in your email box, or the result of a salesperson's call. You can see the rates as soon as you submit your information.

Next, take your numbers to esurance to get a feel for where the low-ball quotes will be. Esurance will also give you instant quotes directly online and will typically among the lowest you will find anywhere. Now that you have some numbers to fall back on, time to move to the final step...

Only after being armed with firm quotes from both insurance.com and esurance, go to one of the agent based quote comparison sites. We suggest hometownquotes.com, but others such as insureme.com and insweb.com are quite similar. Submit your information to them and you will get five more quotes... some instant, some through email, and even some by phone perhaps. You will often get quotes from local agents as well through these sites, which is preferred by some visitors. You might get a call from an agent wanting to give you a quote... at that point, simply refer to your previous best quote and ask them to beat it. Either they can or they can't, but at the end of the day you can be sure you have found low-cost car insurance the best way possible.