Well, in most (but not all.) states, prices do vary, so it makes a difference where you buy it from. However, if your quotes are all ONLINE quotes, none of them are any good anyway - they don't do mvr checks and the credit check, WHICH VERIFIES YOUR RATES, until you are about to purchase the policy.
A site I've recommended in the past would be...
http://insurance.deal4-you.com
Hope that helps.
there should NOT be that big of difference in quotes. make sure they are each quoting the EXACT same coverages. also, one may have run your mvr and clue reports and found something that raised your rates, while the other did not. ALWAYS ask them if they have. if they dont and you have something on your record, they will give you a lower quote, but once the policy goes to get issued they WILL run it and then your premium will come back higher anyway. As for the company itself. many people tend to go to "big name" companies like State Farm, Allstate, etc. this does NOT mean they are better, it only means they choose to spend their money advertising. Some of the best and most reputable companies are ones you have probably never heard of. Try calling a local independent agent. They write for a lot of companies and can find you the best rate with a good company. Make sure your company has an "A" rating and ask about how their customer service and claims handling is.
much depends on what you haven't seen. what the policy actually covers, how well the policies are paid out, how quickly they're paid out, what other things are happening to the company and financial markets, whether the company is charging excessively, Whether some companies classify you or your vehicle or your area as a bad risk etc etc. That's why you're encouraged to shop around, to try to find an affordable policy from an insurer who'll still be around and will payout promptly if you have trouble. It's not too different from Russian Roulette for even the best informed people.
Don't know what's avail in your area, but check this site out. It gives you the most competitive pricing in your area from available providers. Pick what fits you best at the best prices.
http://www.ez-insurancesearch.com
Try to visit this website which I just came accross, I've found a lot of useful information on Auto Insurance Quotes :
http://the-auto-insurance-quotes.blogspot.com
Finding the best car insurance company is the main factor in saving money for car insurance. The fact that your car insurance provider is not the only company that provides car insurance, you have the options to consider other providers. The name can be a factors but most importantly the difference is in the service they provide..You can check out this article in choosing the best insurance provider : http://www.autoinsuranceselect.com/article-26/choosing_the_best_auto_insurance_provider/
Good luck to you!
I would check consumer reports or some other independent survey, for my personal opinion, I like a big name company that I know will fix my vehicle in the event of an accident, and has good customer service. I have Allstate and have had a hit run, a break in and a auto theft, and have been paid well and in a timely matter every time.
There is no ONE insurance company that is right for everyone - everyone is rated individually - and all companies have different "likes and dis-likes", different credit tiers, different business models, and many other factors that can vary your rate - and a QUOTE is ONLY a quote until the policy is issued.
Typically, insurance rates will vary from State to State and can even vary by ZIPCODE! It also will depend on the type of car/truck, coverages, limits of liability, and driving record. Some companies run credit scores and MOST run a motor vehicle report and CLUE (Comprehensive Loss Underwriting Exchange) report to see about undisclosed accident involvement.
The best thing to do is call a LOCAL independent agent. Don't go across town, or to some other city - look for someone CLOSE. Just look in the phone book for the PIA or Big I (Trusted Choice) logos and you will find a professional licensed agent that will be able to help you solve your insurance problems, and give you rate comparisons of several different companies.
An independent insurance agent will normally have a dozen different companies and if he cannot help you, he should be networked with other local agents that can.
In my agency, we have companies that do NOT run a credit score and welcome drivers with "less than perfect" driving records and specialize in youthful operators!
Most of the replies on this site say "go to this on-line carrier or that on-line carrier or that 1-800 number" but I'm sure that when you do, you will find some impersonal computer user with a script to work from and you won't be able to talk with the same person every time you have a problem!
Good luck, drive RESPONSIBLY and I hope this helps!
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