Benefits of using an Online Car Insurance Calculator

The Internet has changed our lives in the past decade. Shopping for car insurance isn’t what it used to be in the early 2000s – you no longer have to spend days to find out who offers the most affordable insurance package these days.

The system pulls quotes from a variety of insurance carriers

This is probably the best advantage of using an auto insurance calculator. You no longer have to query each company individually, either by phone or on their website. It might not save a lot of time if you only plan on getting a handful of quotes, but if you want to do it properly – i.e. query most of the major insurance carriers – then spending only half an hour versus a whole week will make a big difference. There are insurance calculators out there that pull quotes from as much as 100 companies. Think of how long it would take you to fill out 100 forms and think of the time you would be saving if you do it only one time.

You compare quotes for the exact same level of coverage

A lot of companies promote packaged deals rather than bare-bone policies. If you do it the old-fashioned way, you can end up comparing a comprehensive policy with an accident forgiveness option against a $1,000 deductible against one with free roadside assistance and $750 deductible. Which one is better? It’s hard to say, since you’re not comparing apples to apples.

You don’t have to deal with sales agents

Insurance sales agents will always try to talk you into buying more insurance than you need. It’s their job – they get paid a commission for all sales they make, so it’s more money in their pockets if they sell you a bigger package. If you shop online and use a comparison tool, you will get the very level of coverage you have chosen. This comes with a downside though – you must know what kind of insurance you need, because there will be no one there to advise you. Some insurance calculators will suggest the packages you need though.

You get to do this at any time of day or night

Shopping the old-fashioned way from brick and mortar offices would mean that you have to physically be there within their service hours. Since most offline insurance agencies work standard hours – from 9 to 5 – you would probably have to take a day off from work or leave early. If, on the other hand, you shop online, with an insurance calculator tool, you can do it at any time of day or night. If you feel like doing it at 3 am then go ahead and do it – the system is automated and requires no human input.