Insurance.com is designed to let you customize the way you learn about insurance, compare quotes and buy an online auto insurance policy whenever you're ready. You can start a quote online today to see the rates, discounts and payment plans offered by the companies we quote. If you're not ready to buy, you can save your auto insurance quotes and come back whenever your want.Some customers start their research online and then call us to talk a licensed agent. When you're ready to buy your auto insurance, you can pay online or make a payment by phone. So, see how much you can save by comparing online auto insurance rates today!
How Car Insurance Rates Work
People often ask us how car insurance companies determine what rates to charge. (Well, no they don't. But we think it's important to clear up any confusion.) Many factors determine what premium rate you see when you ask for quotes. A common misconception is that rates are set by law and can't be changed. Although the methods each auto insurance company uses when setting rates are regulated
by state laws, the rates themselves are not set by the state. This fact means that there will be different rates for each company. Once you understand more, you'll see why comparing rates from different companies can save you money.Let's look at what happens when you submit an application for car insurance. First, you are sorted into an individualized group based on each piece of information in your application, as well as other sources. Once your customized group has been determined, the insurance company calls up the pricing information for that group. Finally, any discounts you qualify for are subtracted from the price, and your quote is returned. The entire process is completed by sophisticated software behind the scenes, based on information you enter online or an agent types into a computer.
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