You basically had two choices. Option number one is to pay the renewal fee. That is the simplest and easiest if you enjoy paying way too much for you car insurance.



Option two was to run around from agent to agent, form to form to get a quote. If you called you ended up paying phone tag with the person you needed to talk to. If you drove around you took your chance that the person you needed to see would be there instead of out doing what he wanted to do. A third choice started a few years ago and that was to go online to get a quote in a few minutes. This was fast and simple.Quick quotes from online insurance sites will never give you that low, low rate that you wanted and that was the reason for the quote request in the first place. Low rates.

So basically you were stuck running around to the local agents where you can get those low, low quotes. Local agents are the only ones authorized to cut rates and give a lower quote. Computers can only quote what's in their data base and believe me the low quote you want is not in that data base.

The companies cannot afford to quote a policy lower than there local agents, thats why online quotes are always higher than the quote you can get from a good, competitive local agent.

The only logical way to get that low, low rate is to use hungry local agents and then only if they know they have competition.

When Agents compete You win. That is true in any business but especially in the car insurance business. Those local agents need your business if they're to grow and if those agents have a family then they need to grow to become successful. So they are willing to compete. One more time, when agents compete You win.

What's better than running around getting quotes or worse dialing for quotes? The quickest and best way is going online and fill out one quote request and then having that request rushed to seven or eight of the best, sharpest and most competitive local agents in your area.

If you want that low, low car insurance rate then you need to get the agents to compete. When a local agent receives a quote request from the system he knows that seven or eight other sharp local agents also received the quote request.

He knows that to get your business he needs to be as competitive as he can be, even if it means giving you the quote at his cost or below. Don't worry he will make the money back when he gets his monthly bonus for the number of policies sold.

You both win and that's what makes it such a great system. You get that low, low car insurance rate and the agent gets another policy added to the monthly pool which means more money for his agency.