How accurate are on-line auto insurance quotes?

Erik Tracy
Erik Tracy Posts: 4,673
edited June 2014 in The Clubhouse
Been toying with the idea of shopping/comparing auto insurance - we have two boys that are now licensed and the bill has bumped up considerably (good thing they both got the good student discounts).

How accurate have people found the on-line auto insurance quotes to what you actually paid if you switched?

I'm just concerned that we'll get the 'oh, well, those are just estimates, for your situation the cost is really more'.

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  • steveinaz
    steveinaz Posts: 19,538
    edited June 2014
    Since most of them allow you to purchase/print a card, I'd say they are spot-on. I know Progressive is.
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  • xjghost
    xjghost Posts: 1,105
    edited June 2014
    Geico is too. I use them and my company truck is through progressive. When they give you a quote call them and confirm all the details. they are both very helpful. I'm about to add my twin boys and iirc the ins will get doubled. :(
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  • exalted512
    exalted512 Posts: 10,735
    edited June 2014
    I'd call around to the local agents and get quotes. It's nice to have an agent that you can go to and have some sort of relationship with in the case of an 'event'.
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  • pitdogg2
    pitdogg2 Posts: 25,691
    edited June 2014
    They are as accurate as the info you give them.
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  • JimKellyfan
    JimKellyfan Posts: 696
    edited June 2014
    It may be good to bundle as well, home, auto, life....We get a supposed discount on that...Another good policy to get is an umbrella policy to cover what the regular policy does not.....A good example here is take a look at medical expenses incurred by others for an event on your property....Mine says 5k, holy cow that can get eaten up quick....good to have an umbrella policy for such an event.,...A one million dollar policy is a tick over 100 bucks a year....cheap too...good luck...
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  • Jayce1971
    Jayce1971 Posts: 38
    edited June 2014
    My lil' bro works for progressive. They figure, "If you have to call for a quote, you prolly ain't worth insuring". And give a suitable quote, (about Twice what you'd normally pay). Always look at the BIG companies... Farmers, Allstate, Farm Bureau, American Family, State Farm, etc. They'll actually "compete" for your business, if it's worth having. Regardless of your driving record, teenage drivers are ALWAYS gonna raise your premium, even with the good student discounts. On the bright side, your kids probably saved you a few hundred dollars a year!
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  • Sea
    Sea Posts: 317
    edited June 2014
    Every time I have shopped mine around the local agents were always a little better. You have to be real careful that the coverage comparisons are exact. The online quotes will be for lesser quality coverage if you are not diligent.
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