Where to Find the Best Homeowners Insurance Companies Online

Can The Internet Really Help You Save Money On Homeowners Insurance?

If you ever watch TV or browse the net, you have probably seen a lot of ads from competitive insurance companies. Most of these ads are for auto insurance companies, but a few home insurance companies slip in their message too. You may be so overwhelmed with these ads that you start to ignore them.

Who can blame you for becoming “advertisement blind”? After all, each company seems to loudly proclaim that their company has the lowest prices, best service, and best coverage. But keep a couple of things in mind.

  • All companies are not alike. Each insurer has their own guidelines and price charts. They also all have their own sets of discounts that may give some types of customers a much cheaper price.
  • There is no way for anybody to tell you which company will be best for you without some basic information about your home and your lifestyle.
  • The insurance market is quite competitive. Companies seem to use a lot of gimmicks to set themselves apart from the pack. However, the ditzy sales girl or cute little mascot may not really assure you that an insurer is really better.

My Experience With Comparing Homeowners Insurance Online

I actually dropped a policy from a very highly rated company with a fantastic record of customer service. Was it because I was unhappy with the service or rates? No, I was actually very satisfied with them.

I dropped them because they only provided homeowners insurance. I also needed to cover myself and a young driver on my vehicle. My car insurance rates got too expensive, and I needed to find an auto and home insurance company who would give me a good discount for bundling policies! I found a highly rated company with competitive rates, and I made the switch to save money on my total bill.

Again, the best insurer is really the best insurer for you!

Things To Consider About Home Insurance Companies

  • Of course, you will want to find a company with competitive rates. I do not know anybody who likes to overpay.
  • This leads us into the example I used above. Sometimes you will get the best deal by finding a company that will give you a discount for things that you are already doing or that you could do with little trouble. Some of the top insurers offer discounts for home safety features, fire or burglar alarms, upgrades, setting up automatic payments from your checking account, and for placing more than one type of policy with them. If you can take advantage of more than one of these price breaks, you can end up saving a lot of money.
  • Finding cheap homeowners insurance will not do you any good if they do not have your back when you need to make a claim! Check into the customer service record of any company you plan to use. Find out if they have a simple and fast claims service and friendly customer service people on the phone.
  • It is also simple enough to find out if the company has a good financial rating. You want to be sure that the company has the strength and financial means to pay claims when disasters strike. You can look at some third party verification services like A.M. Best.

Now, How Can You Find The Best Homeowners Insurance Online?

I have just listed a lot of different things to consider. You may feel a little overwhelmed, but I have a simple solution. I cannot give you one website or phone number though because the right answer will depend upon where you live, your home value, and many other things that are unique to you!

To get the best homeowners insurance deals, search for a form that lets you compare multiple insurance rates in one place. You can do this by performing a search on any of the major search engines like Google, Yahoo!, or Bing.

Look for 3rd party verification so you know the company participates in some sort of consumer protection system. For example, many insurance quote companies participate in the BBB online verification system.

Look for a secure system. You can tell if the system is secure if you see https:// (not http://) after you actually start the quote. The “s” at the end of the https tells you that the system runs on a secure server.

The quote forms should return 3 – 5 different quotes from different companies. Now that you have narrowed down your search, it is simple enough to check out a handful of insurers.

You will also get contact information for a professional that you can email and call with more questions. Be sure and make those people work for your business by answering all the questions you have. After all, when you buy homeowners insurance, you are probably buying it to cover your largest asset!

Sourcing the Best Car Insurance Rates by Obtaining a Bunch of Quotes

It’s likely that, if you are licensed to operate a motor vehicle, you either get billed for vehicle premiums or somebody gets billed on your behalf. It’s also safe to guess that your policy costs haven’t dropped in recent months. In reality, your policy premiums have in all probability been raised, am I right? Similar to most other things, vehicle policy premiums have blown up, particularly in states with an already high cost of living, like New Jersey and Pennsylvania.

Because of this, many of us are seeking a method – any method – for cutting our annual auto insurance costs. A few have made the effort to contact nearby agents to ask for rates from them. Unfortunately, calling all those agents takes a lot of time, because each individual agent needs to enter all of your personal info before they can quote you a premium. Altogether, you could consume a large number of hours talking to insurance agents, and save only a small amount of money.

It’s obvious then, if calling these insurance agents isn’t the answer, then using your car to drive around to their offices won’t have any better results. Clearly, going that route would use up lot’s of time, and result in the same meager savings. You could literally waste a whole morning, not even considering all the fuel, and save almost nothing on your yearly policy rates.

An additional less labor intensive approach to saving on your insurance costs is requesting quotes from one of the huge companies that advertises low premiums, like Geico or Progressive. Many have been successful at saving a bundle of cash going that direction.

The downside with going that route, however, is that due to the fact that you are still getting a quote from just one firm you simply can’t be certain that you have got the absolute lowest quote, can you? After all, since one insurer offers you a lower rate, couldn’t a second firm quote you even lower, and yet another even less than that? There would be no way to be certain, without phoning every single one, and then you’re back to spending a crazy amount of time, right?

Is there a solution? On the bright side, a solution exists, and it is both simple and helpful. On top of that, you can be sure, almost instantly, that you are getting the cheapest rates you can find. This is what the web has given us. Sounds awesome, right?

Normally, the process can be handled in less than eight minutes. One could cut their bill by many hundreds of dollars, mitigated by your own personal driving history plus some additional facts. Without a doubt, savings can be substantial.

In light of what you have just learned, isn’t it time you began filling out the form and cutting your insurance bills?