Take the Guesswork Out of Shopping for Coverage with OnlineAutoInsurance.com

With car insurance companies' ratings calculations being so complex, ratings generators like the one offered by OnlineAutoInsurance.com will help take the guesswork out of shopping for coverage.

Rancho Cucamonga, CA, September 20, 2010 --(PR.com)-- The formulas used by insurers to determine rates are usually complex and varying. But, with its offering of informational articles and a free public rating generator, OnlineAutoInsurance.com can make it easier for auto insurance consumers to get a better feel for how much they should be paying for coverage and to see how different coverage scenarios could affect rates.

Getting car insurance quotes online through free public rating engines can be especially effective since consumers can test out a number of coverage scenarios in order to see which set-up makes the most economic sense. After all, the ways in which companies determine a driver’s rate are highly complex and sensitive to the slightest of changes.

“When comparing quotes, keep in mind that coverages, limits, deductibles and discounts have big effects on prices,” advises the Massachusetts Department of Insurance. “A small difference in even one of these areas can make a bad quote look like a good one. Be aware that different insurers may not offer exactly the same overall benefits.”

By entering in accurate data into a rating generator, consumers can better understand the pricing implications that these small differences can carry.

An increasing number of consumers are using this Web-based tool to locate quality coverage. According to 2009 data from the Insurance Research Council, a national survey indicated that auto insurance shoppers were slightly more likely to consult websites with quotes from multiple carriers (44 percent said they used these sites as a source) than they were to consult agents (a source reportedly used by 40 percent of respondents).

The convenience afforded by side-by-side quote-comparison websites has even been recognized by state regulators. In its consumer guide to finding auto insurance for teens, the Missouri Department of Insurance highlights the efficiency of turning to the Web. The department recommends that consumers get at least three premium estimates when shopping, but also notes that shoppers could “probably get 20 quotes in the same amount of time it takes to drive to or call three agents.”

Source: http://insurance.mo.gov/consumer/teens/tnGenIns.pdf

To begin the shopping process, shoppers can visit http://www.onlineautoinsurance.com/quotes/ and input driver and vehicle data through the free rating generator in order to get personally tailored premium estimates from a variety of carriers.

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Online Auto Insurance
Benjamin Zitney
909-784-2471 x111
http://www.onlineautoinsurance.com/
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