The truth behind free auto insurance


There are many myths in the car insurance industry. Like many urban legends, if you don’t seek the truth, you will be likely to get lost. Interesting as they are, some are half-baked while others are just utterly ridiculous.

With all these noises going around about auto insurance, finding a genuine company to trust and work with can be a daunting task. And since many of them never failed to claim as being #1 in delivering insurance services, uncovering which ones that are only interested in selling you out is, nonetheless, important.

Perhaps you have heard about free auto insurance. A heavily advertised propaganda aimed to entice people to buy policies with them. Well, we are sure that there are free auto insurance quotes out there, but to give free auto insurance policies seem too good to be true. Personally, I have not seen a single insurance company giving away free policies; extending discounts are possible as long as the driving records are clear and you have a healthy credit score. But giving away free policies is not just silly, but out of this world!

Cited earlier, it’s possible to obtain free insurance quotes. You will need these quotes to get the best auto insurance rates. When you have multiple quotes with you, it’s easy to tell which companies are offering reasonable rates and coverage. Without it, you will never know if the policy you are purchasing is excessively high or the coverage is simply mediocre.

If you can click the mouse button, you are good to go. First, head on to your favorite search engine, Google or Yahoo!, and search for keywords like “free auto insurance,” and in seconds, you will have access to thousands of sites offering free auto insurance quotes.

The good news is that you don’t have to waste your time browsing through the results. Just pick the top three companies in the result’s page. Companies listed on the top list are considered the best companies in their respective industry. In our case, they are considered the best in the auto insurance world.

Requesting for free auto insurance quotes is as simple as filling out the online form. You will need to provide your name, driving history, age, sex, social security number, etc. The data you provide will determine your insurance rate, so make sure your answers are error-free and accurate.

Again, these are just premium estimates, so there’s a big possibility that the actual price is going to be higher or lower. Other factors such as your driving history matters as well.

Using common sense, you can pretty much tell the outcome. If your driving career is as messy as politics, peppered with traffic violations, tickets and fines, premiums will be high. On the other hand, if you have a spotless driving record, good credit, no accident, and a stable income, premium prices will drop.

Once you have your free insurance quotes with you, review it very carefully. No two companies are alike, even if they look identical. The rule of the thumb is never to buy the first policy that you come across. The cheapest rates may look cheap but in the end would cost more because the coverage didn’t meet your needs.