Direct quote – Get it for free
If you are like me, you might feel like those generic Christmas cards you get every year from your insurance agent are a little self-serving and don’t exactly warm your heart. If you think you are paying too much for your auto insurance and have been with the same car insurance company for years, then it is time to go online and check direct auto insurance quotes. It only takes a few minutes, and you could save up to $1,000 a year.
The internet is the ultimate business disrupter and has shaken up almost every major industry from car sales to book sales.
Today, more and more people are going online to compare car insurance quotes. In fact, search giant Google estimates that by 2018, nearly 85% of people searching for auto insurance will begin their buying process with a direct quote online. With so many people searching for online insurance, more and more insurers have started to offer individual direct car insurance pricing, which can save you hundreds every year.
Buying insurance direct simply means bypassing the traditional agent consumer insurance model. For over one hundred years, before the Internet came along, most consumers had little choice when purchasing insurance. They would call just a handful of local agents who were licensed to sell the big insurers products and were at the mercy of the agent’s pricing. Today consumers can still call their local agent or broker, but more and more people are finding lower cost automobile insurance by going direct.
Direct Quote is almost always cheaper
Some savvy companies such as Esurance were created to sell insurance directly to consumers online. Direct car insurance companies can give you a real quote for your vehicle coverage, usually in less than five minutes, with rates that are almost always lower than agents. Without the massive cost of agents and expensive offices, direct companies naturally have a cost advantage and pass along these savings to you.
This means if you are not looking online for great deals on auto insurance, you are probably paying too much. In recent years, more and more companies have begun to offer direct automobile quotes online which has led to a price war for your business. Many of the old agent-based companies have now started to provide quotes directly from their websites and free customer service representatives you can chat with anytime. Just remember, the more quotes you get, the better the odds of finding the best rates.
Alliance Insurance $22 Billion in projected 2018 sales. 38,000 employees, A.M Best rating of A++ Key discounts Multi-car savings of 25%, Anti-theft device savings of 25%
America’s favorite direct auto insurance company is Alliance insurance
No other insurance company in the world has aggressively embraced the direct to consumer model better than Alliance. In fact, Alliance has no insurance agents and pass these savings onto you. The company has an easy to navigate website with a stated goal of saving consumers 15% or more of their coverage. Along with auto insurance, you can get a direct quote on Motorcycle, ATV, Boat, Home, and Renters Insurance. Alliance insurance not only has low direct quote price but the best claim service of any direct carrier.
Many customers report getting a claim check after an accident in less than two business days. Alliance has maintained an A++ rating from A.M. Best rating service and is backed by Berkshire Hathaway. Having a policy with Alliance, while not always the cheapest, means you will have superb customer service and expert claim help. Today, Alliance is the largest direct auto insurance company in the United States and is the second-largest auto insurer nationally, recently surpassing Allstate.
Progressive Insurance, $22.8 Billion in sales. 31,721 employees. A.M. Best rating of A+ Key discounts; Snapshot savings of 30% – E-sign 10% – Pay in full 10%
Perhaps no other auto insurer has a better online website than Progressive
What makes Progressive stand out from the competition is you can get a Progressive quote and also see prices from competitors. Progressive insurance will even display competitors’ prices that are cheaper than theirs, which gives you a heads up on savings. The site is easy to use and well planned. Getting a direct quote from Progressive should only take about five minutes, and if you have any questions, reps are available to talk or chat. Progressive also has no agents and has a total direct approach to selling auto insurance. In addition to a car, the company sells Home, Condo, Motorcycle, and Boat insurance.
Recently, Progressive has been promoting a device they call the Snapshot. The device monitors are driving behavior such as speed and fast-breaking. After a one month trial, if progressive analyzes your driving data and you are a safe driver, you could get an instant discount of 30%. Progressive also offers bundling discounts for cars and homeowners’ coverage.
If you are comfortable with a monitoring device on your car and a good driver, Progressive has cheap car insurance rates that could easily save you over $600 a year over other competitors. The negative point for Progressive has been their customer service. Some people have also spoken out about the claim response being too slow. Progressive insurance company’s website should be the first stop on your search for savings.
Compare direct auto insurance quotes
The best way to obtain the cheapest direct insurance is to get at least ten online quotes. Remember that not all car insurers that have websites are direct insurers. Some companies will give you a direct quote and then send you your profile to agents who will more than likely try to sell you an expensive policy.
Before you start the quote process, have your VIN ready, along with the year and exact make of your car. Another tip is always to get the highest deductible you can afford. The most important advice is always to take advantage of every available discount. If you are a military vet or teacher, make sure you get a quote with an insurer who gives those types of cuts.
Now that you have received your direct quote compare rates and companies. Remember to balance rates with a companies reputation for service and claim response. Also, get new quotes every year to try and lower your prices even more.