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Online Car Insurance Quotes: Competition Works in Your Favor

Jun 10, 2008
If you were looking for online car insurance quotes a decade ago, all 'online' probably meant was that you could communicate with your agent via email, rather than through letters in the post. You still would have probably started by speaking with an agent, by telephone, if not in person.

In the past, it seemed ridiculous to assume that any agent would give up their secret weapon in the fight for new clients. Most of them would never even think about handing out a quote to a potential client if they didn't actually come to their office for a real meeting.

A lot has changed for relationship-focused agents as they are being replaced more and more by price-focused, highly automated website sales. The young and urban demographic, which prefers the web to all other media, are the prime movers of this change. As companies make the change towards websites, the older and less technologically savvy customers will be forced to use these websites as their agents become less effective in comparison.

Online car insurance quotes have gained in popularity, though, as people continue to fill their days with more and more activities, and have become used to making major purchases without meeting a salesperson. Clients have become more aware of the terminology and options available to them, and have come to demand more self-service than ever before.

In this area, small insurance companies actually had a head start on the formerly major national carriers. When any customer could search for a free auto insurance quote online without any hassles or catches, they found real discounts and lesser companies were able to become major ones. Small companies gained national status and consumers made better deals before the industry leaders managed to catch up.

Now that the huge market leaders have caught up, every insurance company in the US seems to offer online car insurance quotes. Only now, there seem to be more of them than ever before. This is, of course, not a bad thing. Competition is in the consumer's best interest.

The trick to getting the best insurance rate is to shop around. The Internet has made getting quotes quick and simple. Before you automatically renew your auto insurance take the time to compare quotes from several companies. Competition among carriers means you have a good chance of finding a low rate.

It is in your best interest to spend a bit of time comparing the different offers of discount car insurance. Even though pronouncements of "big savings" and "free quotes" have become commonplace, just ten years ago it used to take a lot longer to search for deals; and even though technology may have changed to make your searching more convenient, there are still great companies out there fighting for your business. So take the time to consider all of your options.
About the Author
Discount car insurance companies offer free, quick and simple online car insurance quotes.
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