Introduction
Insurance used to be a dull topic, but now it is home to cavemen, geckos and other extraordinary marketing feats. As car insurance is a necessary part of responsible car ownership, not to mention a legal necessity, this is a good thing. Online auto insurance quotes are easy to find and every insurance company has an online auto insurance quote option.
While insurance companies don't sell a tangible product, they do offer a great deal of security because insurance acts as a guarantee against loss. For this reason, whenever you are purchasing insurance, you’re actually choosing a coverage plan based upon how much you think your vehicle is worth just in case it somehow gets damaged.
Step 1
Auto insurance is a type of risk management. While a lot of insurance companies offer policies in a variety of different areas, some specialize in selling only car insurance. These companies often offer online auto insurance quotes.
Insurance policies date way back in history. Since the beginning of civilization and trade there have been contracts that guarantee against the possibility of loss. While the ancient Chinese, Babylonians, Greeks and Romans all had forms of insurance, modern insurance got its start in London after the great fire of 1666.
Step 2
Whenever you purchase a car insurance policy, the insurance company will receive payments, which are known as “premiums.” These are mathematically calculated in order to cover the company’s operating expenses, as well as the payout of claims. Premiums are determined by the information you give the company at the time of your online auto insurance quotes.
Step 3
Insurance claims are what the policyholder files whenever they incur damage to their car or loss of it. For instance, whenever you get into a car accident, the insurance company will review the claim and pay you money. The amount that you receive is based on the coverage you elected at the time of your online auto insurance quotes.
Step 4
Insurance companies are a net benefit to society. This is because they enable you to negate your risk based upon your own considerations of what the risk mitigation is worth. Without insurance companies, society would not function as efficiently as it does now because people wouldn’t be willing to take the risk of purchasing a car. It is important to not give false information when soliciting online auto insurance quotes.
Step 5
It's easier than ever to go through the process of getting a quick, free quote for car insurance. Following is a list of reputable companies that give online auto insurance quotes.
Insweb - If you are in a hurry and do not have the time to search other websites, this is the place to stop. Insert your information into one form and you will receive online auto insurance quotes from companies such as Geico, Progressive, Allstate, Farmers, Nationwide and Statewide. This website is not affiliated with any particular insurance company.
You can also go through the direct website of insurance companies for online auto insurance quotes:
Progressive - Progressive has been around since 1937. They provide auto, pet, motorcycle, RV and homeowners insurance, among other services.
Allstate - Originally founded in 1931 by the Sears, Roebuck Company. It offers 25 varieties of "asset protection" like renter's insurance, car, small-business owner, wealth transfer or estate planning, and family protection such as life insurance, among other services.
Esurance - First started in 1999. Also offers homeowners, renters, health, life and motorcycle insurance.
Statefarm - First auto policy sold in 1922 for $11.17. This company offers various insurance, Mutual Fund investments, as well as the State Farm bank loans.
Geico - Started in 1936 under the name Government Employer Insurance Co. Since then it has grown to offer services to non-government employees as well including auto, motorcycle, ATV, homeowner, renters, condo, mobile home, boat, RV and life insurance.
American Family Insurance - Started in 1927, American Family Insurance offers auto, home, umbrella, health, life, retirement, business, farm and ranch insurance.
Tips
An insurance company is mainly rated upon its ability to pay claims and how financially stable it is. Whenever an insurance company has a high rating, you know that they are more stable and a better investment for you and the company’s stockholders. These are the best insurance companies to obtain online auto insurance quotes.
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