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FAQ
What company is the best insurance company?
This is one of the most asked questions by insurance consumers. Fact is there is no one company that is the best company for everyone. Rates can vary hundreds of dollars from one company to the next and from one person to the next. We have interviewed several independent agents to discover that most of them feel that it is almost impossible to predict without actually quoting the prospect with each company which one will be the best rate. This is one of the primary benefits of using a site like InsuranceEasy.org, we make it easy for insurance consumers to compare insurance quotes and find the best insurance rates.
Why do insurance rates rates differ so much from one company to the next?
Although each company pretty much base their rates on the same information, each company factors information differently. Example: Company (A) may have great experience with senior drivers and may give a discount to older drivers. Company (B) on the other hand may have terrible experience with senior drivers and may not give a discount to older drivers. The same can be true with young drivers, locations, and other factors. The key to finding the best insurance company for you is to find the company that offer discounts for people of your age, location, etc. and the only true way to find the best company is to take the time to get as many insurance quote comparisons as possible. By using several or all of our partner links you will position yourself to compare the best rates from the best companies, greatly increasing your chances of finding the best company for you.
How important is the accuracy of the information that I provide on the quote request?
The accuracy of the information that you provide on the quotes requests are extremely important! Correct and complete information is vital to obtain an accurate quote. Take time to gather the correct information.
What information do I need to get an accurate quote?
- General Information – Name, address, telephone number, etc.
- Driver Information - Dates of birth(s), license number(s), social security number(s) and any violation or claims information that applies to each driver.
- Vehicle Information – Year, make, model and vehicle identification number (VIN).
- Desired Coverage’s – You will need to decide what coverage’s that you desire.
Understand Insurance Lingo:
Liability Coverage’s:- Bodily Injury Liability Coverage (BI) - If an insured person is legally liable for an accident, BI coverage pays for injuries/death to people involved in the accident other than the insured driver. BI also pays for legal defense costs if you are sued. Certain exclusions may apply. Refer to your policy.
- Property Damage Liability Coverage (PD) - If an insured person is legally liable for an accident, PD coverage pays for damage to others' property resulting from the accident. PD also pays for legal defense costs if you are sued. Certain exclusions may apply. Refer to your policy.
- Medical Payments (Med Pay) CoverageMed Pay is an optional insurance coverage that pays for reasonable and necessary medical and funeral expenses for covered persons. These expenses must be incurred as a result of an auto accident.
- Uninsured Motorist Coverage (UM) - If a driver or owner of a vehicle does not have insurance and is legally liable for an accident, you can use UM coverage for injuries, including death that you, your resident relatives, and occupants of your insured vehicle sustain, up to the limits you select. Certain exclusions may apply. Refer to your policy.
- Underinsured Motorist Coverage (UIM) If a driver or owner of a vehicle is legally liable for an accident but does not have enough insurance, you can use UIM coverage for injuries, including death that you, your resident relatives, and occupants of your insured vehicle sustain, up to the limits you select. Certain exclusions may apply. Refer to your policy.
- Uninsured/Underinsured Motorist Property Damage Coverage (UMPD) - If driver or owner of a vehicle is legally liable for an accident but does not have insurance or does not have enough insurance, you can use UMPD to cover damage to your insured vehicle, up to the limits you select. In some states, UMPD is available as an alternative to Collision coverage. Certain exclusions may apply. Refer to your policy.
Physical Coverage for Your Vehicle (Full Coverage):- Comprehensive Coverage - If your insured vehicle is damaged due to an event other than a collision, Comprehensive coverage will pay for the damage. This includes damages from fire, theft, windstorm, flood and vandalism. If your vehicle is stolen, Comprehensive covers transportation and loss of use expenses when applicable.
- Collision Coverage - When your insured vehicle overturns or collides with another object, Collision coverage pays for the damage to your vehicle. Collision coverage also may extend to a non-owned vehicle or one rented for personal use that is in your custody or that you are operating. Certain exclusions may apply. Refer to your policy.
- Loan/Lease Payoff Coverage - Loan/Lease Payoff coverage, sometimes called "gap" coverage, pays the difference between what you owe on your vehicle and what your insurance pays if your vehicle is declared a total loss or stolen and not recovered, less your Comprehensive or Collision deductible. Learn more about Loan/Lease Payoff coverage.
- Rental Reimbursement Coverage - Rental Reimbursement provides rental car coverage if you have a claim that is covered under Comprehensive or Collision coverage. Daily rental amounts are subject to the limit purchased.
- Roadside Assistance Coverage - Roadside Assistance provides services such as towing, flat tire change, locksmith service and battery jump-start to customers, who can elect the service for an additional premium if it is not already included with their insurance policy.
What are Free Insurance Quoting Services?
A free quoting service is a independent company that has contracts with local insurance agents and/or insurance companies. When a consumer fills out a quote request, the free quoting service then forwards the information to insurance agents and/or insurance companies that writes insurance in the area in which the consumer lives.
Why should I use a Free Insurance Quoting Service versus contacting agents or companies myself?
Each time a consumer contacts an agent or company they are required to provide the same information necessary to obtain a quote. By using a free quoting service the consumer can provide information once and then the free quoting service will forward the information to multiple local agents and companies saving the consumer time and making the quoting process a lot easier. Requesting quotes through several of the free quoting services is equivalent to calling fifty to hundred agents and requesting quotes.
Why should I request insurance quotes through more than one Free Insurance Quote Service or Insurance Company?
Because most local agents and/or company only obtain leads from one or two of these services at the most a consumer who only requests a quote through one insurance rating service is limiting their chances of getting the cheapest insurance quote.
For each service and company that consumers take the time to request and compare quotes through, they greatly increase their chances of getting the best rates.
Can I really save money on insurance by using the links provided in this site?
Although we can't guarantee that everyone will save hundreds of dollars on their auto insurance or home insurance, etc, we can say that about 7 out of 10 consumers or 70% pay too much for insurance and the average savings for consumers who requests quotes online is between 30% - 40%. So the answer is yes. People who take the time request insurance quotes through our partner links have a real chance of saving money on insurance.
Is it safe to submit personal information online?
Providing such information as your social security number, license number etc online can be scary in this day and time. Each free quoting service and insurance company advertise that their sites are secure sites and that they have taken the necessary measures to protect personal information. Although we can't guarantee the handling of personal information we do feel comfortable enough that our own CEO, William Phillips, submitted his own personal information to obtain quotes when testing the reliability of the free services.
For more information on how each service or company handles personal information please take the time to read their privacy statement and how they protect personal information provided by the consumer. Each site provides links that you can click on to double check the sites handling of personal information.
Who is the A.M.Best Company and why should I be concerned about the rating that they assign to the insurance company?
Founded in 1899, A.M. Best Company is a full-service credit rating organization dedicated to serving the financial services industries, including the banking and insurance sectors. Policyholders and depositors refer to Best's ratings and analysis as a means of assessing the financial strength and creditworthiness of risk-bearing entities and investment vehicles. For more information on A.M.Best you can click on A.M.Best or view the following online Video on their site.
Directory of State Department of Insurance by State
North Dakota Department of Insurance
