Searching for car insurance can be a long and tedious task for many people. In a market like the American one, in which a multitude of insurance companies operate, finding cheap car insurance that suits what you are looking for can seem difficult.
And there are many aspects to take into account when taking out a policy. In just three minutes you can choose from the offer of more than 30 insurance companies and find the car insurance that best suits you and your needs, being able to save up to 50% in the hiring of your policy.
Ensuring our car with one company and not with another is a decision that should only be made with full knowledge of what it means to take out that policy and not another, as well as having a clear understanding of the factors that influence the final price of the premium.
The Internet can be a great ally thanks to online tools that make our work easier and clearer. Thus, instead of studying the offers of each company, one by one, we can use a search engine and have it provide us with all the information.
All advantages with a search engine: save time and money
The advantage of insurance search engines is that they give you, at a glance, a clear idea of all the policies available based on your search. It should be clarified that each company has its own contracting policy and sometimes declines to insure certain types of vehicles (this is common, for example, with vans) or inexperienced drivers.
The comparator takes into account all the variables to show all the possibilities, thus being able to choose the one that best fits our budget and offers us the desired coverage. The result is that the user can save and hardly invest time in it.
What information do insurance search engines use?
Before using a car insurance search engine it is important to have the documentation that allows us to fill in the form. The process itself is short - it only takes a few minutes - but there are some data that are essential for the quote to be as personalized as possible.
Therefore, it is important to know that the driver's profile, his insurance history, and the characteristics of the vehicle determine the result. We must be clear about all the technical data of the car: make, model, cylinder capacity, type of fuel, as well as its history (date of registration), annual mileage (the use we make of it) or if it sleeps in a garage.
Regarding the driver, the premium is based, among other factors, on experience (date of obtaining the license), age, the use of the vehicle in relation to the profession as well as the history as an insured, being especially relevant to the seniority in the company and number of parts presented (or not) and the characteristics of the vehicle.
In short, the companies need to know, in order to give us a price, what kind of drivers we are, what kind of car we drive, how we drive it, and how much risk we are exposed to.
All these data are obtained from the form so that the search engine can generate a comparison with the results of 30 different insurance companies. If we indicate our e-mail address, the application automatically sends us these results, indicating the reference numbers, contact telephone numbers, and a link to the comparison with prices that are always up to date and can be consulted at any time.
By filling in a form, which takes just three minutes, the insurance search engine offers a personalized comparison in which the user not only obtains a quote but can also study in detail the information about the company, the policy coverages, or the promotions or discounts offered by the insurer -if any- in each of the results.
In this way, the user can take into account the two fundamental aspects to make the best decision when looking for car insurance: what is the best price and what guarantees, protection, and service they are giving us.
The search engine also adds qualitative information, offering an evaluation of both the company and the coverage it offers for each type of insurance. Taking all aspects into account, the total assessment allows us to know if the policy meets all the requirements and if it offers good value for money, the key to finding the best insurance.
In addition to this general information, it allows us to compare two companies individually. Thus, if we are interested in two policies that cost more or less the same, we can make up our minds by comparing the coverage and services offered by one and the other in the same type of insurance and for the same money.
For example, a third-party insurance with moons can cost the same in two different companies, or have a not relevant price difference.
But if we compare the conditions, we see differences in some coverages: one includes the sunroof in the coverage of the windows while the other does not.
There may also be variations in the compensation for death or in the services: what in one is offered as a basic guarantee (for example, travel assistance from kilometer 0) for another company is an extra coverage, which has to be added to the conditions of the policy assuming an increase in the final price.
Using an insurance search engine allows us to have a long list of pros and cons of all the options and that our decision is not based solely on price, making sure that it also provides us with the service we need.
When we manage to save and get the most complete protection that can be found for that price, we know that we have managed to find the best car insurance: the one that really gives us what we need but adjusting to our economic possibilities.
What do we do with this information?
The search engine gives the user three options. One of them is that they can be redirected to the company to manage the online contracting. In some cases, this method allows users to benefit from promotions and discounts offered by insurance companies to new customers who take out policies in this way. It also has a clear advantage: we do it comfortably, from wherever we want, with any device and whenever it suits us.
However, if the user is still not clear about his decision, he can request that an advisor from the insurance company call him to clarify his doubts and personally take care of the contracting of the policy.
Although the contact details of the insurance company are also provided, as well as the reference number of your personalized quote, so that you can finalize the contract at any time, without having to repeat the search at a later date.