Car Insurance Companies: a Few Top Quote Comparison Sites


Finding the best car insurance companies for your situation is a bear. As with most popular topics, it is increasingly difficult to filter through the dozens of outdated “best quote” websites to find the best company. Well, after spending much time scouring through the sites, I am glad to reveal to you the best 3 resources for great car insurance companies quotes. Mind you, this is only my own opinion, but others are sure to agree.

1. Progressive.com

Progressive has been advertising a service to show you how their rates compare with others. I have seen more advertising for Progressive than all other car insurance companies. A week or so ago, I finally decided to give their instant service a try. Although others have found their helpful, it was down the day I tried and all I got were Progressive quotes. Even so, it was still a simple interface I was able to complete in a few minutes.

2. Insure.com

Insure is a popular place that provides rates for all kinds of insurance. They have sections for travel, health, life, etc. One check I always do on sites like this is whether they recognize my zip code. My zip code was added more than 4 years ago, so it is quite alarming how many sites still say it is wrong. Sadly, Insure is one of those sites. Even though it really gets to me when they fail to have my zip code, this is still a site you ought to try when you shop for car insurance.

3. CarInsurance.com

This final site I found has the cleanest look of all. And guess what. They found my new North Carolina zip code! Keep in mind that apparently they conduct these car insurance companies reviews themselves. After entering my initial info, I was taken to a screen to choose from other companies serving my area. I selected NetQuote.com to perform my research.

Realize that these sites comparing car insurance companies have their own desire to make money ahead of their attempt to save you money. Shop around even among comparison sites to receive the most savings.

I’m sure you will find great use in these quote comparison sites to select the cheapest car insurance companies for your family. Please forward along any other helpful sites you may have come across. This topic isn’t only for “experts,” you know! You can add your own helpful article at the site found in the resource box below. There’s definitely at least a handful of other places for expert car insurance companies insights which would be helpful to others as well.



If you want to read more car insurance companies articles, Tom Garimentis invites you to his site. Publishers, get a unique version of this article at web content.

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Pssst – Want to Know a Secret That Banks and Car Insurance Companies Don’t Share With you

Pssst – Want To Know A Secret That Banks and Car Insurance Companies Don’t Share With You

Every single driver in the U.S. is required to have Car Insurance. And most of us drive around confident that we have adequate coverage to protect us should we ever be involved in an accident.

Yet, almost 97% of all drivers are not adequately protected….and don’t even know it. Here’s what I mean.

Let’s say you’re involved in an accident and it’s serious enough that the car is considered a “total loss” by your Insurance Company. Or, maybe your vehicle gets stolen. A few weeks later, you get a check from your Insurance Company.

When you look at the amount, you’re shocked. It’s thousands less than what you owe on your car. How can that be, you ask?

Well, like most, your policy has this short clause buried somewhere in all that legalese -

“In the event of a total loss, the policy holder will receive the actual cash value of the vehicle, minus any deductible.”

Did you catch the 3, very important words in that clause? The three words are – “actual cash value.”

Actual Cash Value means you’re going to get a get a check for….

“What it’s worth” not “What you owe.”

Isn’t that a nasty little surprise.

And like most, you owe quite a bit more than what the car or truck is worth. What would you owe your Bank or Credit Union if your car was totaled today?

So, how do you avoid this situation?

Well, when you buy a new or used vehicle, add a “rider” to your policy or purchase a separate “rider.”

If you have Homeowners or Rental insurance, a “rider” might sound familiar. For a homeowner’s policy, if you own expensive items, like fine jewelry, you need to add a rider to your policy. The reason – Insurance Companies won’t cover those types of items as part of a regular insurance policy.

So, you pay an extra $5 or $6 a month to have those items fully covered by the “rider.”

If anything ever happens to the jewelry, it gets replaced.

A rider for your car or truck is called GAP Insurance or GAP Protection. It’s just like the rider for your Home – except it’s only for cars, vans, trucks or suv’s.

It covers “What You Owe”, not “What its worth.”

It doesn’t matter what the reason is – if it’s ever totaled due to theft, fire, accident, flood, tornado, vandalism, hurricane, it’s covered – and paid-in-full!

You can protect yourself four different ways.

1. Put at least 20%-30% down on any new or used car purchase to erase any gap;

2. Purchase a “Rider” – AKA GAP Insurance from your Car Insurance Company or Bank;

3. Purchase Gap Insurance from another Insurance Company;

4. Buy Gap Insurance from the Dealership you’re buying at.

Any one of these options is great way to protect yourself. Whether you’re getting ready to purchase a new car or truck, or purchased a vehicle in the last 12 months, make sure the “gap” between what your vehicle is worth and what you owe is covered.

Tom O’Leary is an Automotive Portfolio Analyst based in Cincinnati, Ohio and Publisher of mynewcarpurchase.com, a consumer focused web site that offers assistance with a new car purchase, gap insurance strategies and is Author of the best selling guide “How To Get Low Cost Car Insurance For Life”.

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Costa Mesa Truck Accident Attorney?s Top Ten Ways Insurance Companies Mess With You After a Truck Accident

1. I’m afraid your insurance coverage only pays “excess” medical bills, bills that your health insurance doesn’t pay and only up to the amount of your coverage. Confusing, huh?

2. Oh, I’m sorry. It appears your agent did sell you medical coverage on your auto insurance policy.

3. Well “full coverage” really just means the basic coverage. If you want additional coverages like medical expenses, towing, rental car expenses, see those are extras.

4. Well uninsured motorist coverage really only pays you extra money on your claim if you have coverage in excess of what the party at fault had, and only if we think the value of your claim is worth more than their policy limits. Confusing, huh?

5. Didn’t your agent explain that?

6. I’m afraid you can’t really go by what they say in those commercials.

7. I’m afraid we can’t accept the estimate of the body shop. We’ll need you to leave the car there so an adjuster can look at the damage and speak with the repair shop.

8. I’m afraid we can’t advance money for your car rental.

9. I’m afraid we don’t reimburse you for car rental insurance.

10. I’m afraid we can’t advance any money for medical expenses either. Would you like to be placed on hold and listen to our jingle instead?

 Here are ten additional tips of advice from a truck accident lawyer to follow if you have been in an accident. You can learn more about how to handle an accident in Costa Mesa by calling the Law Offices of R. Sebastian Gibson, or by visiting our website at http://www.SebastianGibsonLaw.com and learning how we can assist you.

Obviously, if you have had an accident, and you are reading all of this advice, it may have been a few hours since the accident. However, if you ever have another accident, or if it’s only been a few hours since you were hurt, here’s what you should do from the start.

First, take a look around and determine if you or anyone, are hurt. If so, taking steps like trying to prevent further injury or loss of blood are the most important thing you can do. Even if some other driver caused you to be injured, it’s just good manners to help the other driver if they are hurt. They may even be so thankful that they admit their fault to you. The worst thing you can do is get angry or start a fight.

Second, make sure everyone is safe from being injured further. If you are in the middle of traffic, and you are dizzy, sit down away from traffic. If your vehicle is a traffic hazard and you have accident warning devices like flares or triangles, put them out on the road to warn other drivers and get away from the car. Let the police an other emergency personnel investigate the scene with the vehicles in place and move them more safely at a later point.

Third, call the police. Accident reports are extremely helpful if the police will do such a report. Let the police know you are injured immediately. Answer the police questions honestly. But if you are dazed or confused, let them know you need medical treatment and answer only what you feel sure about. Remember, your statements can and will be used against you if you admit fault, and it will be too late and too fishy to later say you didn’t know what you were saying at the scene. Police know that your best recollection is immediately after an accident.

Fourth, get the other driver’s information including their names, addresses, driver’s license numbers, make and model of their vehicles, license plate numbers, and their insurance company name and policy number. If there are witnesses, get their names, addresses and telephone numbers as well. If the other driver makes any admissions of fault, write those down as well.

Fifth, if you have a camera on your cell phone or in the car and you aren’t too injured, take some photos of the vehicles and the scene. If you can’t do it right away, do it after you are released from the hospital.

Sixth, if you are hurt, obtain medical treatment. Don’t decline the ambulance or hospital examination to save your insurance company money or to be stoic. Take your valuables out of your car if you can and get checked out at the hospital. If you are not hurt, don’t get treatment you don’t need. However, remember, after an accident, you may feel a rush of adrenaline that causes you to only start feeling symptoms of pain a few hours later. If you have a health plan that requires you to obtain permission first, call them and find out where you are allowed to seek treatment.

Seventh, call a good truck accident attorney as soon as you have had your initial treatment, so the attorney can gather other important evidence and prevent the insurance company from taking advantage of you and obtaining such things as recorded statements that you feel fine, when many of your symptoms have yet to manifest themselves. A good truck accident lawyer can save you from making a great deal of mistakes and can shoulder much of the hassle of knowing what to do about car repairs, car rentals, medical treatment, witness statements and the like. If you think you will save money by not having an attorney, think again. A good truck accident lawyer can almost always obtain much higher settlements, obtain reductions of medical bills and insurance liens and prevent you from making costly mistakes. Also, most truck accident lawyers advance costs of obtaining police reports, medical records and the like and are paid and reimbursed for these costs only out of any settlement.

Eight, you will need to report the accident to your insurance company, but since they will want to take a recorded statement from you, just like any other driver’s insurance company, it’s good advice to retain an attorney first. And if the other driver did not have insurance, remember that it is your own insurance company that will be your adversary. You will also need to report the accident to the Department of Motor Vehicles and your lawyer can give you the form for this.

Ninth, do not agree to settle your claim privately with the person at fault for the accident. This almost never works out to your advantage. Don’t agree not to call the police. Police reports that determine the fault for an accident are golden. Your agreement to not involve the police only affords an opportunity for the other driver to change his story and blame you when the police will no longer investigate the accident.

Tenth, don’t pay a traffic ticket without a fight if you weren’t at fault or agree to accept a small payment for your vehicle repairs without knowing that the amount will in fact cover the cost of all the repairs.

If you’ve had a truck accident in Orange County, Newport Beach, Anaheim, Irvine, Huntington Beach, Corona del Mar, Laguna Beach, Santa Ana, Orange, Fullerton, costa Mesa, Westminster, Buena Park, Mission Viejo, Garden Grove, Laguna Niguel, San Clemente, Chino Hills, or anywhere in Southern California, we have the knowledge and resources to be your Costa Mesa Truck Accident Lawyer and your Orange County Truck Accident Attorney. Be sure to hire a California law firm with auto, motorcycle, truck, bicycle, pedestrian, car, bus, train, boat and airplane accident experience, wrongful death experience and insurance law expertise who can ensure you are properly represented and get the compensation you deserve.

If you have a personal injury legal matter, a dog bite or if you’ve lost a loved one in a wrongful death accident, call the Law Offices of R. Sebastian Gibson, or visit our website at http://www.SebastianGibsonLaw.com  and learn how we can assist you.

The Sebastian Gibson Law Firm serves auto, motorcycle and truck accident victims in Orange County, Newport Beach, Anaheim, Irvine, Huntington Beach, Corona del Mar, Laguna Beach, Santa Ana, Orange, Fullerton, Costa Mesa, Westminster, Buena Park, Mission Viejo, Garden Grove, Laguna Niguel, San Clemente, and Chino Hills. We also serve bicycle, pedestrian and car accident clients from Palm Springs and Palm Desert to Indio, from San Diego to Carlsbad, Ontario and Rancho Cucamonga, from Long Beach to San Luis Obispo, from Palmdale to Victorville, and all of Southern California.


Visit our website at http://www.sebastiangibsonlaw.com if you have a personal injury legal matter of any kind. We have the knowledge and resources to represent you as your Orange County Truck Accident Lawyer and Costa Mesa Truck Accident Attorney or your attorney in and around the cities of Oceanside, La Jolla, Del Mar, Chula Vista, El Cajon and Escondido. We also serve Corona, Temecula, Murrieta, Riverside, San Bernardino, Moreno Valley, Fontana, Vista, San Marcos, Solana Beach, Encinitas, Pacific Beach, Newport Coast, Lake Forest and Fountain Valley.

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