Should you even bother taking the time to compare and find the cheapest car insurance quotes that are out there and available to all that will bother to look?  I mean, is it worth it? Yes.  Advertisements for car insurance tout the ability to pull rates from all kinds of companies and comparison shop for you. We wondered if these services were reliable and useful to you as a customer. Is it really better to compare auto insurance rates in one place? Or, can you get a better price if you do comparison by visiting each site independently and comparison shopping yourself? By visiting a few well known insurance websites, we put this question to the test. Do you qualify for a discount? Find out, Enter Your Zip Code Cheapest Car Insurance Quotes (Free)

First, it's helpful to understand the basics of how insurance companies issue rate quotes. We found that each site gathered some basic information about our applicant. This generally included zip code, names and addresses. Some also wanted more detailed information such as social security and drivers license numbers and driving history. However, by taking just ten minutes to pull together your current insurance files, we found that navigating each site should be fairly simple.

We did find a few things about this exercise surprising. We really thought that there would be more of a variation of rates from one sites own quote to the comparison quote offered by a competitor. Our initial comparison of cheapest car insurance quotes showed that the competitor was well within the range of the actual companies quote. Our competing website gave a quote range of $247-319. When we requested a quote from the actual company, our basic quote came to $305, which was actually on the high end of the comparison. By reducing the coverage to bare minimums, we further reduced that rate to $213, which was slightly less than the competitor reported, but still more expensive than their own cheapest rate.

In running this exercise a few times, it appeared that most companies randomly picked the competitors to compare to. We didn't notice anywhere an option to compare with specific companies. While we found this helpful, if you want to check out specific companies, you'll definitely need to go through the quote processes separately. However, if you are just trying to compare cheapest car insurance quotes in general, having one website do a quick side by side will definitely show you a few ball park price ranges that you can expect.

In the end, we came to the conclusion that using a companies comparison service can definitely be helpful to get the cheapest car insurance quotes, especially if you are pressed for time and only need an idea of price range. If you want to specifically compare several providers, it's probably a better bet to get the quotes separately. Also, be aware that one web site we visited aggressively campaigns it's comparison shopping services and we were unable to find the option on their website at all. So, even if they claim to offer this service, it may not be a front and center feature of their site. Enter Your Zip Code ABOVE to find the cheapest car insurance quotes that are located near your city, as always- 100% No-Charge. (Free) Enjoy and Good Luck!