InsuranceEasy.org

This is one of the most asked questions by insurance consumers.  Fact is there is no one company that is the best company for everyone.  Rates can vary hundreds of dollars from one company to the next and from one person to the next.  We have interviewed several independent agents to discover that most of them feel that it is almost impossible to predict without actually quoting the prospect with each company which one will be the best insurance rates.  This is one of the primary benefits of using a site likeInsuranceEasy.org, we make it easy for insurance consumers to compare insurance quotes and find the best insurance rates.

The accuracy of the information that you provide on the quotes requests are extremely important! Correct and complete information is vital to  obtain accurate quotes.  Take time to gather the correct information.

     General Information – Name, address, telephone number, etc. 

 

     Driver Information - Dates of birth(s), license number(s), social security number(s) and any

     violation or claims information that applies to each driver. 

 

     Vehicle Information – Year, make, model and vehicle identification number (VIN). 

 

     Desired Coverage’s – You will need to decide what coverage’s that you desire.

     Understand Insurance Lingo:

 

     Liability Coverage’s:

     Bodily Injury Liability Coverage (BI) - If an insured person is legally liable for an accident, 

     BI coverage pays for injuries/death to people involved in the accident other than the insured

     driver. BI also pays for legal defense costs if you are sued. Certain exclusions may apply. Refer to

     your policy.

 

    Property Damage Liability Coverage (PD) - If an insured person is legally liable for an

     accident, PD coverage pays for damage to others' property resulting from the accident. PD also

     pays for legal defense costs if you are sued. Certain exclusions may apply. Refer to your policy.

 

     Medical Payments (Med Pay) Coverage is an optional insurance coverage that pays for

     reasonable and necessary medical and funeral expenses for covered persons. These

     expenses must be incurred as a result of an auto accident.

 

    Uninsured Motorist Coverage (UM) - If a driver or owner of a vehicle does not have

     insurance and is legally liable for an accident, you can use UM coverage for injuries, including 

     death that you, your resident relatives, and occupants of your insured vehicle sustain, up to the

     limits you select. Certain exclusions may apply. Refer to your policy.

 

     Underinsured Motorist Coverage (UIM) If a driver or owner of a vehicle is legally liable for

     an accident but does not have enough insurance, you can use UIM coverage for injuries,

     including death that you, your resident relatives, and occupants of your insured vehicle sustain, up

     to the limits you select. Certain exclusions may apply. Refer to your policy.

 

    Uninsured/Underinsured Motorist Property Damage Coverage (UMPD) - If driver or

     owner of a vehicle is legally liable for an accident but does not have insurance or does not have

     enough insurance, you can use UMPD to cover damage to your insured vehicle, up to the

     limits you select. In some states, UMPD is available as an alternative to Collision coverage.

     Certain exclusions may apply. Refer to your policy.

 

     Physical Coverage for Your Vehicle (Full Coverage):

 

     Comprehensive Coverage - If your insured vehicle is damaged due to an event other than a

     collision, Comprehensive coverage will pay for the damage. This includes damages from fire,

     theft, windstorm, flood and vandalism. If your vehicle is stolen, Comprehensive covers

     transportation and loss of use expenses when applicable.

 

    Collision Coverage - When your insured vehicle overturns or collides with another object,

     Collision coverage pays for the damage to your vehicle. Collision coverage also may extend to

     a non-owned vehicle or one rented for personal use that is in your custody or that you are

     operating. Certain exclusions may apply. Refer to your policy.

 

     Loan/Lease Payoff Coverage - Loan/Lease Payoff coverage, sometimes called

    gap coverage, pays the difference between what you owe on your vehicle and what your

     insurance pays if your vehicle is declared a total loss or stolen and not recovered, less your

     Comprehensive or Collision deductible. Learn more about Loan/Lease Payoff coverage.

 

     Rental Reimbursement Coverage - Rental Reimbursement providesrental car

   coverage if you have a claim that is covered under Comprehensive or Collision coverage. Daily

     rental amounts are subject to the limit purchased. 

 

     Roadside Assistance Coverage - Roadside Assistance provides services such as

     towing, flat tire change, locksmith service and battery jump-start to customers, who can elect the

     service for an additional premium if it is not already included with their insurance policy.

 

 

 

Although each company pretty much base their rates on the same information, each company factors information differently.  Example: Company (A) may have great experience with senior drivers and may give a discount to older drivers. Company (B) on the other hand may have terrible experience with senior drivers and may not give a discount to older drivers. The same can be true with young drivers, locations, and other factors.  The key to finding the best insurance company for you is to find the company that offer discounts for people of your age, location, etc. and the only true way to find the best company is to take the time to get as many insurance quote comparisons as possible.  By using several or all of our partner links you will position yourself to compare the best insurance rates from the best insurance companies, greatly increasing your chances of finding the best insurance company for you.

A free quoting service is a independent company that has contracts with local insurance agents and/or insurance companies. When a consumer fills out an insurance quote request, the free quoting service then forwards the information to insurance agents and/orinsurance companies that writes insurance in the area in which the consumer lives.

Each time a consumer contacts an insurance agent or insurance company they are required to provide the same information necessary to obtain a quote.  By using a free quoting service the consumer can provide information once and then receive free insurance quotes from several insurance agents and insurance companies saving you time and making the the quoting process a lot easier.  Requesting quotes through several of the free quoting services is equivalent to calling fifty to hundred agents and requesting quotes. Using these services can make getting insurance quotes easier.

 

Because most local agents and/or companies only obtain leads from one or two of these services, at the most a consumer who only requests a quote through one insurance rating service is limiting their chances of getting the cheapest insurance quote. 

 

For each service and company that consumers take the time to  request quotes and compare free insurance quotes through, they greatly increase their chances of getting the best insurance rates.

 

Although we can't guarantee that everyone will save money on auto insurance or home insurance, etc, we can say that about 7 out of 10 consumers or 70% pay too much for insurance and the average savings for consumers who requests free insurance quotes online is between 30% - 40%. So the answer is yes.  People who take the time request free insurance quotes through our partner links have a real chance of saving money on insurance.

 

Providing such information as your social security number, license number etc online can be scary in this day and time. Each free insurance quoting service and insurance company advertise that their sites are secure sites and that they have taken the necessary measures to protect personal information.  Although we can't guarantee the handling of personal information we do feel comfortable enough that our own CEO, William Phillips, submitted his own personal information to obtain quotes when testing the reliability of the free services. 

 

For more information on how each service or company handles personal information please take the time to read their privacy statement and how they protect personal information provided by the consumer. Each site provides links that you can click on to double check the sites handling of personal information.

 

 

Founded in 1899, A.M. Best Company is a full-service credit rating organization dedicated to serving the financial services industries, including the banking and insurance sectors. Policyholders and depositors refer to Best's ratings and analysis as a means of assessing the financial strength and creditworthiness of risk-bearing entities and investment vehicles.  For more information on A.M.Best you can click on A.M.Best or view the following online Video on their site.