Is this site really offering a free service?

There's that old saying about "gift horses". It suggests you watch out when something is advertized as "free". Conventional wisdom says the site will be no good or it finds hidden ways to get money out of you. Well, in this case, there is such as thing as a free lunch and you can eat it as often as you want. This site offers you the use of an online search engine. It's connected to the computers of all the major auto insurance companies throughout the US. Because each state licenses companies to operate within their borders, there are no national policies and rates. Every policy is written only for your state of residence and the premium is calculated in line with the terms of each state's license. Of course, once you have a policy, it covers you wherever you drive within the US. But everything is strictly local when it comes to the underwriting.

Every national insurer has a local company established in your state and its computers are linked into a national network run by all the top insurers. Where this site partners with an insurer, access is given to the national network so that, when a single search is made, it is sent to all the insurers in your state. That way, you get multiple auto insurance quotes from a single search. If you wanted the same results the old-fashioned way, you would have to visit the websites of each company and fill out their own questionnaires to get one quote. With this service, the same answers from one questionnaire are sent to all the companies. That's the big advantage of our partnership deal. You get instant access to all the companies with one search.

When you get these multiple quotes, there's one other pleasing piece of news. There are no costs, fees or charges payable. All too often on other sites, you get to the checkout with your shopping cart only to find an amount added to your bill at the final moment. This forces you to scrap all your effort in getting to this point or accept the charge. Use of this site really is free. More importantly, you can run the search as often as you want. You might try searching for different makes and models, or different types of insurance policy, or different levels of deductible. With this site, there's no penalty for collecting the maximum amount of information before making up your mind whether to buy.

One final thought

Not only is the use of this site free, there’s no obligation to buy. As with window shopping, you can walk past the store without buying anything. You only buy if there’s a good deal. If not, it has cost you absolutely nothing to find out what the going rates are from the top companies. This gives you ammunition when it comes to negotiating for lower premiums from one of the other companies.