In today's market, finding car insurance quotes that not only match a consumer's budget, but provide the kind of coverage they need can be done in a number of ways. Gone are the days when an appointment with a local agent had to be made in person, or when lengthy telephone calls had to be made. Now, companies are advertising their wares online, and all facets of the insurance industry are getting on the bandwagon. Everything from home and auto insurance to more specialized coverage for property and exotic vehicles can be found online, and for a wide variety of prices. Along with the ability to purchase online has arisen what are known as "insurance depots". These large companies offer a host of insurance services under one roof, and can often give large discounts to those who choose to purchase multiple policies with them. This can include auto policies for more than one driver, or a combination of home, auto and RV or sports vehicle insurance. It is important, however, to be careful when selecting an insurance depot, as not all operate in the most ethical manner. By examining the car insurance quotes a depot provides, consumers can get an idea of the operation of the company itself.
First, be leery of quotes that are "too good to be true." If a quote is far lower than any others you have seen, ask why. Does it include the same coverage and is there any add-on or hidden fees? Is it cheaper only if services are bundled? It is important to ask these questions, either by e-mail or over the phone, in order to be sure that the company is not trying to offer a quote that is all numbers but not coverage. Next, be sure that bundled services actually equal discounts. Insurance depots will be very glowing in their descriptions of multiple-policy plans, but check with other, separate providers to determine if these quotes are in line with what would be paid separately. While premiums for multiple quotes may be low, coverages may also be low, or deductibles very high. A discount for multiple policies should be just that, and not include loss of coverage anywhere along the line.
The value of a car insurance quote given out by a depot - both in terms of price and usability, can tell a consumer a great deal about the operation of the company in general. The more upfront and honest a depot is about their car insurance business, as well as how much information they are willing to provide about the details of the quote itself, is a good indication of their overall business model.