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There are a number of online sites that allow consumers to get free insurance quote information quickly and conveniently. Some are sponsored by specific insurance companies and tend to push the advantages of their insurance products aggressively; GEICO, Progressive, Allstate and State Farm are among the best known insurance agencies providing online quotes to prospective customers. Other websites provide detailed information on a number of different insurance company rates and coverages to allow consumers to comparison shop for insurance more easily. These websites can be exceptionally helpful to consumers; it’s important to note, however, that many online sites offering comparisons of rates and benefits receive commissions from the companies they promote, which in some cases may affect their objectivity.
In order to get free insurance quote information for homeowner’s insurance, most sites require that consumers provide at least the zip code and current estimated worth of the home to be insured. Rates will vary depending on whether content insurance or additional coverage is required, the year the home was built, the type and style of home including the roofing materials, any safety or security systems present in the home, and the location of the nearest fire station. While comparison shopping for home insurance can save consumers a significant amount of money, the cheapest insurance is not always the best. Homeowners should look carefully at the reputation and customer service records of home insurance providers to ensure that, in the event of a claim, they will receive the best service available from their insurance agent.
Auto insurance websites usually require that consumers answer certain questions in order to get free insurance quote information; these questions include the location where the vehicle will be parked at night, the average yearly and weekly mileage, and the make, model, and year of the automobile. Most auto insurance companies will also ask about the driver’s accident and traffic violation record; too many tickets or accidents, and the rates will be significantly higher.
It can be challenging to get free insurance quote information regarding the various health care plans on the market (i.e., dental insurance); these plans vary so widely that straight one-to-one comparisons are not always possible. In addition, a number of health care discount programs are available that are advertised as if they were insurance, but do not offer any emergency health benefits. Online health insurance quotes can offer a good starting point for consumers, but should not substitute for reading the plan documents in full and understanding all the elements of the health insurance plans under consideration. For the same reason, online quotes for life insurance can be misleading. It’s usually advisable to enlist the help of a professional insurance broker or agent to assist you with sorting through your life and health insurance options.
Today, it is easier than ever before for consumers to get free insurance quote information. However, it’s essential to take these free quotes with a healthy dose of skepticism, to keep an open mind, and to investigate all the options before making a final decision on the right insurance company and plan for you.