I have seen ads on the Internet for Web sites promising “discount” auto insurance. I consider these ads misleading. Some ads go as far to promise a “trick” to get $9 insurance, or the government will pay half your auto insurance for you. Don’t fall for scams, but the truth is you really CAN save a lot of money on car insurance, and I’ll tell you how!
Car insurance companies offer all sorts of discounts for good driving, being a homeowner, insuring your home with the same company, good student discount, etc.
But there are no special deals for buying “discounted” auto insurance through a Web site. “Discount” auto insurance implies you are getting a “wholesale” rate, by cutting out the middle man — the agent, and not paying the higher “retail” rate. This is not true.
If you use a Web site to get a car insurance quote from multiple companies, including State Farm, you are getting the same quote and discounts you would get from contacting the State Farm agent. If the Web site quotes you Geico, you get the same rates and discounts you would get from calling Geico for an auto insurance quote.
This is how Web sites advertising “discount” auto insurance operate:
These Web sites usually do not sell insurance, but make money from fees from insurance companies and agents contracted with the Web site to pay for your information. These agents and insurance companies then contact you with quotes hoping to sell you a policy. There are no special, ‘discounted” rates — just the same rates and discounts offered if you had called the agent or insurance company yourself.
However, there is a BIG difference in the prices charged for the same coverage among insurance companies. This is why it is important to shop. I received an auto insurance quote from USAA for around $620 per year, and a quote from Amica for about $1,100 per year. USAA is not a “discounted” insurance company, they just had a better rate for me (when I say “me” — I mean my risk profile — move me to a different zip code, different cars, or different driving record, and Amica, or another company, might have the best rate for me).
Web sites advertising car insurance at a discount, say 50%, lead you to believe they are offering a special deal, when you can get the same type of savings you get by simply shopping the car insurance market. Web sites offering multiple car insurance quotes are good to use to save time calling insurance agents and insurance companies on your own. But some of the best and low-priced car insurance companies may not work with the Web site, so don’t depend on any agent or website to shop the market for you.
When you get auto insurance quotes, you want to make sure you get all the discounts for which you qualify. But you want to keep things in perspective: A while ago, I received a car insurance quote from a company that was $100 more than I was paying for 6 months. The sales rep proceeded to tell me about the large amount of discounts included in the quote. But the bottom line was the quote was more expensive than what I was paying. I’d rather have no discounts and pay a lower price, than get 1,000 discounts and pay a higher price. Shop your car insurance, but shop wisely.
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