Shop for a Car Insurance Quote Online

Getting a car insurance quote online has changed the way American consumers do auto insurance, and for once the scales have tipped in the consumer's favor. What used to take hours or days to do over the phone or in person can now be done in a matter of minutes on the internet, saving you valuable dollars and time on your way to getting the auto insurance coverage you need. Add to that the fact that an auto insurance quote online is the best way to stay on top of the latest rate fluctuations, and lock down rates when they're at their lowest, and it's easy to see why a car insurance quote online are some of the greatest resources available to you if you're in the market for a new policy. If you're a skeptic, here is a quick hits list of considerations that just might change your mind.

An Auto Insurance Quote Online = Convenience

Just as with any internet shopping experience, one of the biggest advantages to soliciting an auto insurance quote online is convenience. There's no need to look up numbers, pick up the phone, or drive around town to meet with agents. In fact, you don't even need to get off the couch if you don't want to.

Get Multiple Quotes at the Click of a Mouse

Ask anyone for advice on how to get the best auto insurance rates and it doesn't matter whether you're talking to Forbe's Magazine, The National Association of Insurance Commissioners, The Insurance Information Institute, or Consumer Reports, "get multiple quotes" is going to top the list every time. Online quote services like NetQuote specialize in filling that need for consumers.

A Car Insurance Quote Online Means Less Paperwork For You

An informal survey of insurance giants like State Farm, Geico, and Allstate, found that the average car insurance quote online requires you to answer somewhere in the neighborhood of 105 questions per provider. Since most consumer advocate organizations recommend you get at least five quotes to compare when you purchase auto insurance, that's around 500 questions you'll need to answer. On the other hand, NetQuote works with hundreds of providers, including the insurance giants listed above, so that you only have to fill out those forms once, rather than wasting your valuable time doing it over and over again.

Competition = Better Rates

Insurance providers who acquire clients through online quote referral services know they're working in a competitive atmosphere, and that means more favorable rates for customers. Not to mention, multiple quotes mean more bargaining power for the consumer, since you can play the offers you get from providers off of each other in order to get better rates.

Rate Fluctuations and the Car Insurance Quote Online

Auto insurance rates are anything but static. According to, national auto insurance rates dropped 22% from $1,741 in January to $1,541 in December of 2009, but that's only half the story. Average premiums actually peaked at $1,913 in May, and spiked again to $1,887 in August of that same year before trending steadily downward in September through December. The moral of the story: if you want to lock in the best rates possible for you and yours, it's important that you regularly check your current policy against the going rate, and soliciting an auto insurance quote online is one of the best ways to do that.

What Do You Have to Lose? (Answer: Nothing!)

Last but not least, you have nothing to lose by submitting a quote request with a reputable online insurance quote provider. Quote services don't make their money by nickel and diming consumers for quotes. Instead, it's the insurance companies who foot the bill, paying quote providers a referral fee for the opportunity to win your business. That said, you can solicit an auto insurance quote online once a year or once a month, and it won't cost you a single penny. Quite the contrary, shopping around for quotes, and shopping around for quotes often, is one of the best ways around to start saving your change.