How To Compare Auto And Home Insurance Quotes, By 3 Easy Methods
Tags: Auto Insurance Quotes, Insurance, Insurance Companies, Insurance Quotes, Home Insurance Quotes

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In this post I’ll show you how I compared my home and auto insurance quotes, to save you time and money. Now the most annoying thing is definitely the time, there are so many vendors out there and it takes so long to input every single piece of information to get a quote from everybody, and everybody has their own discounts their own user interface, so I’ll show you how to minimize the time it takes to compare insurance quotes.

Now comparing insurance quotes is pretty common for me and historically I changed my insurance company every one to two years because over time the insurance premium just seems to go up, so for next year

my home insurance went up from $700 to $1400, so that’s a 100 percent jump that’s huge, so it’s basically the right time for me to compare insurance quotes, so I’ll show you how in this post.

So, you can save the most time so I have three sections in this post the post, the first one is how I compare insurance quotes, the second one is my comparative prices, and the third one is my historical insurance experience, and I have plenty of answers in the past such as triple-a Liberty Mutual Safeco Geico allied progressive, and I might be missing a few, but every insurance company is different some company have better benefits than others and I’ll walk you through it at the end so, let’s get started.

Preparing your data

So, before comparing rates let’s get all of our personal information all in one place so, that once we’re ready to compare rates we could send them to different vendors and just copy/paste really quickly, to get started we probably need four different pieces of information for home and auto insurance quotes.

The first one is:

Personal information: this consists of three things your name driver’s license and date of birth, and you’ll need them for every single user in the account.

The second thing is:

the card information: card information includes the make and model of the car the current odometer miles people’s work address and how many miles they plan to use the car every single year.

The third one just for home insurance is basically your home address your roof type your mortgage company your loan number and when the house was built.

the fourth one:

The estimated amount of coverage that you’re looking to get, now I’m not an expert in each line item but basically you want to have enough coverage but not too much coverage usually some insurance company would want to increase the coverage dollars so that they could charge you more money but look at your coverage see what you actually need and basically have the amount of coverage that you want ready so that when you compare insurance quotes, you could tell everybody the same amount of coverage. Now, this whole process will definitely take longer if you have more people and more cars.

So now it’s time for me to compare insurance quotes from different vendors.

3 Types of companies to get Insurance Quotes from

So, there are basically three different companies that I want to ask for insurance quotes from.

The first one is what I would call an independent insurance company, these are usually really large or midsize insurance companies such as Geico, AAA, farmers, basically have their own agents they don’t have any third party selling their insurance.

the second category is the local agency, the local agency is where you can actually visit them in your local area so for example, I’m in San Diego I could go to Yelp and basically search for insurance companies and there are local agencies where you can meet them in person contact them through email, and basically, get them to compare rates from the insurance company that their partner with.

The third category is basically like a local Agency, but they’re basically online, so these online agencies can prepare rates for you, and there’s a bunch of startups that try to make the process easier where you basically submit your information online with your current coverage and they will try to get you a better quote from their network of insurers.

So, I tried all three of these types of companies and what I find out is that to save the most time and basically the lowest amount of effort is to find a person that you can email your current policy to, so this person can be a part of an independent agency or they can be a local agent or an online agent.

But it will not give you the fastest insurance quotes, the fastest way is to basically, brute force all of your information and get your insurance quotes online, so usually a lot of these companies especially the online agencies and the independent agencies they have a portal online where you can just basically type in everybody’s name their car information their mileage online and you’ll get the quote right away but it does take a crapload amount of time just to input that information I think for me it takes around 15 minutes if I seriously focus and basically input everybody’s name everybody’s car information and home information and all that.

my personal rate comparison:

the first thing I did was to give my current answer a second chance, so currently I’m with Geico and I have their auto policy and also use their third-party home insurance network.

Now the auto policy didn’t really jump as much but my home insurance basically doubled, so I tried to go in their website again to see if I could find a better quote and I did, so currently they’re asking for $1400 I found another quote for $1,200, which is $200 less and I wish that they would have come back to me with 1200 instead of $1400 but I guess they don’t want to screw up their partnership with their third-party answer.

But it is annoying that they have a better deal but they basically didn’t tell me unless I actively reach out to Geico, and that’s also another sign of why I think we should all compare insurance quotes rate every one to two years or especially after our rates win up.

Anyway, it’s not the rate that I was looking for 1200 it’s still a big jump from my $700 that I paid last year so it’s time for me to do the work so that I could compare insurance quotes from other Vendors.

The first thing I did to compare rates outside is basically, I go on Yelp and search for insurance companies, now what I’m really looking for is that low effort type of deal where I can find an individual, I really want to email somebody.

That they can input my information for me and I could just send them my current policy, so I went on Yelp and basically, searched for insurance companies I found a few farmers insurance they’re highly rated I found some local insurance agencies where I just send them a Yelp message and tell them to email me so that I could ask them for insurance and send them my current policy so that I don’t have to type in any of that information.

Usually, after I emailed them my current coverage, they’ll come back with some additional questions to get me the most discount but it’s just a few questions and it’s a lot better than typing in all of the personal information and car information into a portal.

Now meanwhile I also tried some of the online methods or methods where I have to put in my own information to some of the large companies, and usually, that takes up to 15 minutes in my situation.

So now let me share money experience with different insurance companies and I have plenty of them in the past such as triple-a Liberty Mutual Safeco Geico allied progressive Kemper and so forth, first thing I want to say is I think triple-a if you’re looking for tow triple-a basically have their own drivers and you can get a tow in 20 minutes. Well, if you have Geico or camper I think your tow times is probably one hour for them to get to your location because they don’t have a dedicated driver.

The next thing I want to point out is the collision coverage and how they value your car, so my parents got hit with a hit and run in their car, and here’s a picture of the car:

At the time we have an insurance company called camper I think the camper is maybe much bigger on the East Coast but we got the camper to a local agency and they are a big company, but for this amount of damage they’re coding a cost of less than $1,000,

I was quite offended at that valuation so what I did was I just decided to repair the car and because I live in California I can choose any repair shop that I want at the end it really cost them over $5,000 to the car and really I would have taken much less than $5,000 for the damage, but their initial offer was just way to lows so I’m guessing if I went with a better insurance company that probably give me a higher offer to not repair the car and just pay for the hit-and-run damage.

So that’s all my claim experience I did have utter accidents, but I wasn’t at fault so I get to basically choose my repair shop, and if it’s not your fault usually it’s pretty straightforward there’s nothing to complain about, but once the insurance company has to pay for your damage that’s when you start to question different insurance company and their integrity or their willingness to cover for your damage, so that’s it for this post to compare insurance quotes rate. I hope this post will help you save time and money.

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