You can’t get much for free anymore, and when something comes across that appears to be free there’s a strong chance it’s not legit or there’s a catch. Luckily for all drivers, we provide our services for 100% free. We not only provide everyone with information about auto insurance, requirements, terms, etc, but we can also give out car insurance quotes for free with no obligation of purchase and no fees. Plus, you can use our services as often as necessary; there are no limitations to the number of times you get quotes.

The main reason to get a list of multiple insurance quotes free is to have a better idea about which companies are offering the best rates. Your premium may have been declining over the years due to your great driving record, but are you sure you’re paying the cheapest possible price for the coverage you’ve purchased? You can’t be sure unless you look around at what the other companies are charging other drivers with your history.

How to Get Your Free Quotes
While other sites charge to permit you to see their quotes, we only ask for some basic information in exchange for the quotes. This information is in the form of a list of questions about the vehicle and person needing coverage. We use this information to determine the estimated cost of the premium. The given information will give a better idea about the level of risk of the driver. A higher level of risk, or the chance that driver will be filing a claim because damage was done to the vehicle, the higher the premiums will be. The answers given will need to be accurate so that when the quote is shown, it too is an accurate estimate. If the provider finds out the answers were false, the quote will no longer be held valid.

Once your answers have been submitted, you will be given a list of quotes. At least four local (which can include nationwide companies too) automobile insurance companies will provide free insurance quotes online or estimate of what it would cost to purchase their insurance based on the information you’ve given and the type of coverage you would want to purchase. To see how you can utilize your quotes, read on.

What to Do With Your Quotes
Now that you have your list of prices offered by other companies, it would probably be wise to look into the companies that are providing these quotes to find out a little more about them. Sure, Company A may be offering you the lowest price, but how is their customer service or their options for coverage? By doing a little research on the companies, you may save yourself a future headache in knowing more.

Once all of your comparison shopping is complete and you’ve chosen the policy that suits you best, you can purchase it instantly online. There are no added fees or hidden charges to do so. If you have any questions prior to purchase, you can contact one of our agents at (800) 527-7225 and they will be happy to provide any assistance possible. You will need your credit card to purchase the policy, as well as your social security number and/or driver’s license number. We don’t require these numbers during the quote process, but you will need to provide them to verify who you are at the time of purchase. For some companies, once purchase is complete, a proof of insurance card may be printed from your home computer and printer for your use. Some drivers may see this as a benefit if they are looking to get proof fast to reinstate a driver’s license or vehicle registration that has been suspended due to previously not carrying coverage.

Ways to Reduce Your Cost of Insurance
If you’re looking to compare quotes to get a better price and are disappointed because there’s only a few dollars difference between your current price and the quoted prices, know that there is more you can do to further reduce your expense. Ask the insurance carrier about discounts they offer that will lead you to lower prices. All discount programs are based around showing an increased level of responsibility on the driver’s part. For instance, one discount is primarily intended for students — both high school and college aged students. When students can maintain a higher grade point average of a “B” or better, their premiums are less than students who cannot maintain that GPA. Most insurers believe that these students with higher GPAs have a better ability to think clearly while in stressful situations, i.e. while taking an exam or while on the road, and they are willing to reward those students.

Another type of discount is offered when drivers take certain driving courses. One driving course, known as a defensive driving course, teaches drivers how to better maneuver their vehicle while on the road in a manner that will help prevent accidents. By taking and passing this class, the discount is effective for up to three years, depending on the terms stated by your insurer and will help keep your price low.

Other discounts are offered by most insurers too. There are discounts that relate to your safe driving record and others pertaining to the type of safety features on your vehicle. If you insure more than one vehicle with the same company you should be given a discount, and Senior Citizens over the age of 65 can qualify for a discount. Don’t be afraid to ask about all of the discounts that are offered by your insurer. You’re bound to qualify for at least one, if not two discounts to save you more money on your premium.

It’s nice to get something for free, but it’s even better when that something can provide a way to save money. Our quotes are not only free for everyone, but they are an opportunity for you to save money on an expensive bill. Use our quote method even if you’re just the slightest bit curious about how your rates compare to what else is available.

With the entire auto insurance carrier population out there competing for your attention and business, it can be overwhelming for some people to choose an insurer. Creative slogans, catchy jingles, and cute characters lure consumers in, but how can we know for sure which companies are worth using? This creativity may not be enough to convince some people they are reliable and worthy of their money. As with any investment, proper research should be done before handing over money for a product. The product could be faulty at one company, or it could be found cheaper somewhere else. Conducting thorough research will provide the information consumers need to choose the best rated car insurance companies.

The top 10 carriers will be given the highest ranks in many categories, not just one. And, there isn’t just one top insurance company. Because there are millions of consumers, there are millions of opinions. Not everyone shares the liking of the same companies, nor do they agree with one another about who is the best. This is why it’s important to look at a number of companies instead of just comparing two to each other.

What is there to compare? Simply speaking, price, customer service, and financial stability or the ability to pay out a claim are the basic minimum of what should be on the comparison list. Top 10 companies should all have positive marks when it comes to these important factors, and if a company you are considering doesn’t compare well, it should probably be scratched off of the list. We’ll go into a little more detail about what you should look for in these factors to get a complete comparison and wind up with a top company.

Price
Everyone is worried about saving money, which makes the premium price come to be the most popular factor when choosing an insurer. Even when it’s only a few dollars of savings each month, people switch companies to ensure they’re getting the best price possible. The only way to know you’re getting the cheapest price on the market is by doing a price comparison. We can give drivers a list of quotes from at least four companies when they fill out our easy questionnaire. These questions are quick and painless as they review information about the driver and the vehicle that needs insurance. The questionnaire begins by entering in the local zip code in the appropriate box on the Webpage.

However great a premium price may be, it’s important to also look at the rest of the company. They may have low prices because their customer service is horrible and they’re losing customers. Their low price may be an effort to get new customers to make up for the number of lost customers. On the opposite hand, their prices may be low because they have so many customers they can afford to give such prices and it’s completely legit. But you won’t know the reasoning until you further your searching.

Customer Service
If you don’t care about how a company treats you, you should really reconsider your thought process. Sure, it may be that there really isn’t any reason why you would need to speak with any representative of the insurance company because all of your questions can be answered on their Website, or because you can file any type of claim online, and on top of that you can pay your bill online instantly. That is a great thought and an added bonus if you really can do these things without the need for speaking to a representative or agent.

Nevertheless, there are unforeseen times when something occurs that will require you to speak with someone. For instance, if you have record of paying your bill but the insurer says you never paid it, you’d want to speak with someone right away instead of waiting for a response in your email. The same would hold true if you accidentally forgot to pay your bill and your policy was about to be terminated. Most people would want to pick up the phone and talk directly to a person to get the situation straightened out and avoid any cancellation of policy.

Customer service should be taken seriously by the company you’re working with. They should always be polite (and so should you as the customer) and know a great deal about the company they work for and the policy you have. It may not be conducive to someone’s schedule to contact every car insurance carrier to find out how they do over the phone, so sites like JD Power and the Better Business Bureau should be used to see how the company was rated by a third party. You can also check with your state’s Department of Motor Vehicles to see if anyone has complained about local insurers. Other Websites like MSN.com and Businessweek.com will occasionally post their findings on the customer service departments of different companies.

Financial Stability
It is imperative that you find out about the company’s financial status. Why? Think about the monthly payments you make to insure your vehicle. Something happens to you vehicle and you need to file a claim. The problem is, the company no longer has the funds to pay for your claim, and they go out of business, leaving you to pay for the damages yourself. That would be very misfortunate, but it can be avoided by checking out sites like AM Best and Weiss Ratings. They provide ratings that tell consumers which providers are “secure” and which ones are “vulnerable” to going out of business due to lack of funds. Standard and Poor’s Website also has a list of ratings for consumers to use.

Again, there is more involved in finding the top rated insurance companies than drivers initially think. The ad campaigns are very inviting, but they don’t always give you the information you need to make an informed decision. If you don’t know where to start, we’ll once more suggest our quote comparison feature that is easy and free to use. At least you will have access to a list of local companies that you can use to begin your comparison.

Drivers who are worried they won’t be given any auto insurance due to their faulty driving history must know that eventually they will find a company who will agree to insure them and their vehicle. These drivers, known in the auto insurance world as high risk drivers, end up paying expensive premiums for their policies compared to the other drivers on the road. Insurers know they will wind up paying for more claims with high risk drivers, and in order to make a profit, they charge high risk drivers more. Members of the high risk category may experience frustration as they try to move on and establish a safer driving habit and cleaner record. This frustration can be avoided when drivers have a better understanding of what they need to do to improve their situation and get lower rates.

The following questions can be applicable to any driver, especially those who are looking for assistance in lowering their high risk drivers insurance.

Who Is Considered High Risk?
A high risk driver is one who is new to driving, usually a teenager or young adult, or a driver who has demonstrated a lack in safe driving by receiving a substantial number of traffic violations in a short period of time. Senior citizens are not as much of a threat because statistically they do not cause as many fatal accidents as a teenaged driver does. The risk of senior citizens increases around the age of 75 and dramatically more around age 80, but because these age groups do not drive as often as young, new drivers do, they do not pose as much of a threat.

Drivers who are convicted of driving under the influence or drunk driving are instantly categorized as a high risk driver with no previous warning. Many people who drive drunk once will probably do it again, and insurers aim to prevent this act by giving such a drastic punishment, in addition to what the law and courts will issue.

A combination of a fast car and a person with some traffic incidents (tickets and/or accidents) could get them the high risk label as well. As an FYI, automobile insurance companies assign all drivers with a level of risk, based on their driving record. The lower the risk, the more likely that driver will be offered insurance and at a low price, too. So, a driver with a past history of having involvement in an accident coupled with driving a fast car that has a potential to be involved in another accident will be given a higher risk level than someone who has a clean driving record driving a mini-van.

Another group of people who may find themselves in the high risk category are people who live in certain areas that are considered dangerous. These areas are ones where cars are often stolen, vandalized, or happen to be involved in more accidents than elsewhere. Although this has nothing to do with their ability to drive safely, it reflects the chance that the insurer will need to pay for repair or replacement of the vehicle.

What Is The Assigned Risk Program?
Drivers of almost every state are required to obtain and maintain an automobile insurance policy. Some drivers, due to their high risk status, cannot get this insurance because they are denied by too many carriers. Since the law is still in effect for them and driving is their necessary source of transportation, they must find a way to get insurance. The assigned risk program is when the state government assigns the driver to a company that must then provide that driver with auto insurance. Sometimes the insurance premium amount is decided by the state government, and sometimes it is decided by the insurance company.

The way to get insurance for high risk drivers is by applying for coverage and getting denied three times. Then the agent will have the driver fill out a different form, applying for high risk insurance, which will be sent to the state. If you are having troubles finding a company that will insure you, you can ask the state for a list of high risk providers, or ask them to contact your prior insurer (assuming you want to stay with them) and see if they can mandate that insurer to continue your coverage. This continuation would come with a high price though.

Auto insurance carriers reserve the right to refuse to provide their services to anyone whom they feel would be too expensive to insure. Remember, insurers make their money when customers pay their premiums but don’t file any claims. Then the insurer clearly makes money off of them.

What Are Some Ways To Lower My Risk Level?
Once placed in a high risk level category, it is hard to get out of it. It will take time and effort, but it will be worth it. As an added means of motivation to lower the risk level, the premium rates will decrease as well. Drivers can make an effort to drive safely and clean up their driving record. While there isn’t much one can do about erasing past tickets and accidents, they can do their best to avoid getting any in the future. This may include eliminating driving as much as possible and taking the bus, cab, or carpooling with another person. Any tickets recently received should be taken care of by taking the appropriate driver’s education class to prevent it from being placed on a permanent record. Pay any fines or old tickets so they’re not on the record either.

Basically the best way to lower a risk level is to do the opposite of what put you in the category. New drivers should work on their driving skills very cautiously so as to not be involved in tickets or accidents and wait for time to pass.

Don’t forget that even as a high risk driver, you should still compare rates to find out which company will give you the lowest price. While it may not seem obvious, you too can still save some money by comparison shopping and taking advantage of discount opportunities.

Finding car insurance online is one easy task, but finding it at affordable rates is another story. Saving money by finding inexpensive auto insurance is a priority in this day and age of a slow economy, and just about every driver wants to participate. Sadly, it’s a common thought that the “affordability” isn’t available and is more of a kept secret among friends. This is as much of a misconception as is believing the world is flat. There are plenty of opportunities for drivers to get their auto insurance at affordable rates; you just have to know how to do it.

Step by step guides to finding inexpensive rates are helpful, so that’s what we’ll provide to drivers today. While some of these steps may be easily thought of, others may be missed due to their simple nature. Below is our guide to help drivers find affordable car insurance during their quest.

Cheapest Company
This one is more of a trick question, because there isn’t just one car insurance company that offers cheap rates. The fact is, while companies may have somewhat comparable prices to one another, they offer different prices to different drivers based on their driving history and other personal information that is given to the insurer. This is why one customer should not expect to get the same low rates (or even high ones) as another customer. The low rates of another person can be used as a general guideline, but what really should be compared is the price currently being paid now to what could be paid in the future with a low rate offer.

Driving Record
A driving record dictates a large percentage of the final premium price. The number of traffic tickets and accidents on a person’s record has a direct affect on what the person will pay for auto insurance. It’s quite simple, really. A person who has more than just one or two traffic incidents on record will pay more than someone who doesn’t have any. Generally speaking, when involved in any type of traffic incident, the driver was choosing to ignore the law or wasn’t paying attention to their surroundings, and the end result was an accident or a ticket. This carelessness is frowned upon by insurers, and they will reward drivers who prove to be more careful with a clean driving record.

Personal Statistics
These personal statistics, or specific information about the driver needing insurance, also plays a part in determining the policy price. There’s really not much a person can do to change certain things about them, but it’s helpful to be aware of this factor when searching for affordable automobile insurance companies. First is the driver’s gender; males typically pay more for insurance than females do because statistically they are involved in more traffic incidents. Age also plays a huge role with insurance price. The younger the driver, the more inexperienced they are and costly they are to insure. Affordable car insurance for teens does exist, but only when the teen has demonstrated responsibility by obeying laws and earning good grades. Another factoid is married drivers pay less for auto insurance than their single peers. It is thought that married folks exercise more caution while driving with their loved ones present than a single person who would usually be alone in the vehicle. Most of the information that makes a driver who they are will be factored into their policy price.

How to Complete a Rate Comparison
Now that you know about “cheapest companies” and how personal information dictates the price of automobile insurance, it is time to give instruction on how to complete a rate comparison. Comparing the rates that are offered by different companies will help consumers more quickly choose a policy. Most car insurance companies offer the same types of policies with relatively the same coverage options. However, many of them do not offer the same pricing. It’s true that the pricing may vary by only a few dollars, but you’ll be happier if to know you’ve chosen the absolute lowest price available, or a price that offers you better coverage than what you are currently carrying for a more affordable price.

First, it is important to give us your zip code so we might provide you with quotes from your local companies. Although most major companies are found nationwide, this will prevent giving information on a company that is not found in your area. Another reason a zip code is needed is to evaluate the crime rate of the town, because a higher crime rate will indicate a better chance of the car being stolen, which will lead to higher rates.

Second, you will need to complete a short questionnaire that will provide more details about yourself. In “Personal Statistics” we discussed this information will determine how much you pay for insurance. The answers to this questionnaire will need to be accurate and honest. If they are not, then the quotes you receive will also not be accurate and this will come into play when you go to purchase the policy.

Unlike many of our competitors, we do not require any social security numbers or driver’s license numbers to attain these quotes. We know the importance of protecting one’s identity, so we simply don’t need you to give us these numbers. We can give out these insurance estimates based on the information that is entered into the questionnaire. Although we don’t need those numbers for quotes, we will need them at the time of purchase to verify the personal information that was given. At this point in the process, if any information on the questionnaire does not match your driving history, your quotes and price will increase to match the new risk to insure you.

The most affordable car insurance is what you’ll find after you clean up your driving record and compare rates from a number of companies. It’s not impossible to get cheap prices if you put in the effort to get it. We can help you by providing a list of insurers and their prices so you can quickly make the best choice.

All of our talk regarding car insurance quotes can certainly be inviting to most applicants, but some might feel hesitant about going through with the process because they are leery about entering in their driver’s license or social security numbers. This hesitancy is completely understandable. With all of the identity theft that occurs daily, consumers do their best to protect themselves by keeping all personal information private, including those license and social numbers, bank account info and credit card numbers. There are many warnings out there from identity theft agencies and other law enforcement groups to keep this information secure and to not enter them into just any Website. Scam artists grow smarter and smarter and have mastered stealing from others, which is why it is so important to be careful with whom you give your information to.

We have taken all of these cautions and have found a way to provide quotes to the public — still free of charge — without the need for consumers to give us any of their private information. There is no need to provide a driver’s license number or a social security number to go through this process and get the needed quotes. There is other information that can’t be stolen or used against you that can be provided to receive accurate rate estimates. These can then be reviewed by the consumer and then purchased.

How can we so easily offer these insurance quotes without personal information? It’s quite simple, really. It begins with the residential zip code being typed in. This gives us your location, and we can then contact the carriers in your area and use companies that are applicable to you. There is then a list of questions that must be answered, and they must be answered honestly with accuracy. They are in regards to the person who needs coverage and the car that will be insured. The answers must be honest ones to ensure you are getting an accurate estimation because the answers to this questionnaire will dictate the given quote. If the answers are phony and you decide to purchase the policy, your rates will change when the agent realizes you’ve provided false information, most likely increasing in price.

Your rates revolve around your current circumstances. For instance, when you answer a question about the location of your vehicle at night, you are disclosing whether or not the car is parked safely in a locked facility or is left on the street. It doesn’t take much brain power to realize that the person with the car on the street at night is going to pay more for insurance than the owner of the car locked in the garage. Questions about you personally and your driving history affect your rates too. Someone who shows a pattern of constantly getting tickets or being involved in accidents will pay more for protection than someone without a spotted record.

As tempting as it may be to not answer the questions honestly to try and save a few bucks, don’t do it. You can be charged with insurance fraud, which isn’t something that will go over lightly. There are possibilities for fines in this case, and the carrier will not provide you with coverage. Because insurance fraud has become a popular nuisance that loses carriers’ money, they have really cracked down and have no tolerance for such actions.

Once you have finished answering the questions and have received your quotes, you can review them at your leisure. (It would also be wise to review the companies as well.) When you have chosen one because the price and company are right, you can proceed further by purchasing the policy online. Because you are buying a legitimate auto insurance policy, you will at this point need to give your driver’s license and social security number to make the purchase. The insurer needs this information to know for sure that you aren’t committing any fraudulent activity by claiming to be someone else. If you are nervous to provide this over the Internet, you are welcomed to use the phone number that is given on the quote page and speak to one of our helpful representatives.

There are benefits to getting auto insurance quotes with no personal information from our site. One, you will save time. So much time is wasted by calling each provider individually and asking each representative the same questions. In turn, they’ll all ask you the same questions; questions that are similar to the ones on our site. Even more time is saved if you use our site instead of traveling to the buildings of the individual insurance groups. Between the travel time and the time spent waiting to see a representative and then ask the questions (followed by the questions they would ask you) you could save an entire day’s worth of time by staying home and using the Internet.

Two, you will save money. You will save money on gas because you aren’t traveling; you will save money on cell phone minutes because you’re not calling; and you will save money on paper because you are not needing to take a bunch of notes since we provide the quotes side by side. The biggest way to save money here is by comparing the quotes and choosing the cheapest one.

Three, you can get your quotes without risking your personal information! It’s an obvious benefit, but it’s a reality. You don’t have to worry about your information getting into the wrong hands and instead you can focus on thinking about your savings from the cheaper premium that is being offered. What would you do with your savings?

It’s no joke that everyone wants to save money, and what better way to do it than saving on car insurance? Every little bit helps as it adds together in your checking account. Get your insurance quote without personal info today from OnlineAutoInsurance.com. We respect your privacy and will never sell or give away any of your information as we try to help you get a better deal.