Car Insurance Quote
Obtaining a car insurance quote can be an arduous process if you don't know what you're doing. There are several companies both online and in person that is more than ready to provide you with a quote and contract your insurance. To help streamline the process and help you get the best quote, conducting some basic research on the insurance companies available in your area is a good place to start. First, know the difference between a captive insurance company and an independent. A captive insurance company can only sell insurance from their company. This isn't all bad, as they often have more discounts available to you than the independents. For example, if you request a car insurance quote from a captive agency, and if you own or rent a home, you can get a discount by combining the two polices together. In some cases, the discount is enough to give you the renters insurance for free. An independent agency has some advantages over the captive because it is not restricted to any one company. Independents are capable of covering several insurance companies which gives them the opportunity to shop for the best rate for their clients. They have the freedom to pick and choose a wider variety of coverage’s and don't need to combine their car insurance quote with any other policy to reduce the rate. Another important decision you should make when looking for a car insurance quote is whether or not you want to work with someone in person or someone by phone. Most insurance companies that have an office in your town have a greater ability to accept payments and provide better service. The Internet companies may be limited in what they can do for you and may take a little longer to return a call or process a claim.