Question: What Is The Best Way To Shop For Auto Insurance?
Answer: There are many different avenues you can take to shop for your personal line insurance needs. You can go directly to a captive agent like a State Farm, Farmers, All State, Geico, etc. which will provide you with a quote from their company and only their company. This can be very time consuming as you have to call each of these companies agents and give them all the necessary information to provide you with a quote. Another route is to go directly online to their websites or other insurance quote websites such as netquote.com or compareinsurancequotes.com. You may not know exactly what coverages you need or if there are other possible discounts that you may qualify for. Also, by going to these sites, you will receive up to 10 calls a day from different agents (agents that have paid these companies for your information). Many people can find this to be irritating and bothersome and so do I.
The best way to shop for your insurance is to contact a local insurance broker like those at Smart Move Insurance in Scottsdale, Arizona. An insurance broker has the ability to gather the necessary information and then shop all of the insurance carriers that it represents. Most auto insurance brokers have up to 15-20 different companies and options for you to choose from. Therefore, not only will you receive many quotes from 1 person but they can find you the best company for you with regards to the number of discounts that you may qualify for. Each company has many different discounts that you may or may not qualify for and only a licensed broker would know all of these discounts and which ones you may qualify for. Also, unlike a captive insurance agent if you have an issues with your current company premium being raised or any other type of issue, you can have them quote your insurance with all of the other companies that they represent to find you the right fit. A captive agent can only sell their products and therefore when you have an increase in your premium there is nothing they can do for you. Please feel free to contact a licensed insurance broker at Smart Move Insurance at 480-397-9525 or online at smartmoveinsurance.com.
Reposted from Quora: http://www.quora.com/Auto-Insurance/What-is-the-best-way-to-shop-for-auto-insurance