Auto Solutions Insurance Services offers Car Insurance Quote Comparisons with Online Purchase

Auto Solutions Insurance Services, a Southern California brokerage has expanded it's products online offering CA residents the ability to log onto OnlineAutoInsurance.com to compare quotes from multiple carriers such as Drive from Progressive, Infinity, Western United, Access General, F.I.C. Unitrin, Bristol West and more.
Visitors may simply answer a quick questionnaire about rating factors such as length of time licensed, record history, included vehicles, to instantly obtain the rates of participating insurers. Using online software, information entered is used to calculate rates from multiple companies using stored and constantly updated premium calculation technology.
With consumers increasingly comparing car insurance quotes online through the World Wide Web, Agent William Francis states "Through our website, we now allow visitors to instantly compare rates online from many "A" and "B" rated, reputable companies. Many people actually prefer not to talk to an agent unless they need help. It's actually faster to complete a rate comparison online vs. via the telephone. The best thing of all is that in most circumstances, interested people may purchase their policy through the Internet to receive proof of coverage." We're making the whole process more efficient and desirable. Buyers can electronically sign their application online without the need of a "wet signature" from their personal computer.
Since their web-based expansion, the brokerage has seen a significant increase in policy sales. A 2008 report issued by comScore, reports that policies purchased online exceeded 2 Million in 2007. The Internet will continue to grow as a tool for consumers to efficiently complete premium comparisons, and research company background and information.
United States residents can visit OnlineAutoInsurance.com to obtain the rate quotes of multiple affordable companies through a large network, and in most cases, purchase their policy online.

OnlineAutoInsurance.com offers Americans the Ablility to Compare Auto Insurance Quotes Online

Los Angeles, CA (PRWEB) July 9, 2008 -- Millions of Americans continue to overpay for auto insurance and remain unaware. OnlineAutoInsurance.com, an extension to a property and casualty personal lines brokerage, adapted its products allowing consumers the ability to instantly get auto insurance quotes online by completing one simple form.
Whether or not a consumer is currently insured, OnlineAutoInsurance.com can help use the Internet as a key to finding the cheapest rate and to identify the company that will offer the lowest premium. There is no such thing as "the cheapest" carrier. In fact, each person's cheapest company is different, based on all sorts of personal characteristics (age, education, occupation, where you live) and because some companies specialize in high-risk drivers and some in low-risk drivers.
Web based Car Insurance
The risk category that drivers fall into depends on many factors, such as driving record, accident history, driving experience, type of vehicle, etc. In addition, premiums vary based on all sorts of company-specific factors, and of course, they vary depending on the coverage desired. Discounts, some of which are state-specific, can also lower rates significantly.
Because of all these variations, consumers should never commit to a policy without first getting multiple quotes from different companies so that they may select the cheapest and highest quality policy. Those drivers with bad driving records can still get the cheapest rates by comparing quotes from multiple companies that specialize in high-risk drivers. Those with a great driving record also have a wide choice of companies that offer great policies at low prices.
The most efficient way to find a quality policy for the lowest premium is to complete a rate comparison from various insurers. Instead of investing lengthy time into contacting a dozen agents and spending at least a half hour with each one, the World Wide Web makes the shopping process more efficient.
Americans can save tremendous time and effort by getting multiple quotes online, in one step, at a OnlineAutoInsurance.com. One can get multiple quotes instantly by providing information only once, and you won't even need to provide driver's license numbers or social security numbers. No pushy agents will pressure visitors and there are never any obligations to buy. The process is free and fast. One can even buy a policy online in most states.
The Internet has changed the way people compare auto insurance and purchase policies. United States residents may take full advantage.

Renewal Car insurance Quote

The Renewal Quote Isn't The One To Beat

We promise to beat your renewal quote’ pledges Privilege.
'Fix your home insurance premiums for three years’ offers Towergate.
These kinds of messages are commonplace in insurers’ adverts but is it time to look beyond the marketing hype?
Beyond the hype
Insurers that promise to beat your renewal quote are nothing new, especially when it comes to car insurance. At the moment Privilege, Churchill and First Direct are amongst those offering to beat motor renewal quotes.
Trouble is, the renewal quote isn't the one to beat. Insurers generally pull out all the stops to lure in new customers and the first year you’re with them they’ll often offer you a bargain. However they then rely on apathy kicking in, and will usually increase your premium the following year -- even if you haven’t made a claim -- and hope you can’t be bothered switching companies when the renewal notice arrives.
When you start shopping around, you’ll often find that rival insurers will offer you cheaper insurance. Unfortunately it’s not these competitor quotes that Privilege et al are offering to beat, it’s just the inflated renewal quote from your existing insurer.
Alternatively, take Halifax’s offer of a 35% discount on buildings and contents cover bought together online. It sound great but when you look around pretty much all insurers offer discounts for buildings and contents cover bought jointly, and also for policies purchased online.
For example, over-50s insurer RIAS offers new customers a third off their contents premium when they take out a joint buildings and contents policy. Sainsbury’s Bank offers a 20% discount on combined buildings and contents policies, and Nationwide gives new customers a 20% discount if they buy buildings and contents cover together and a further 10% saving to new customers buying online.
But with discounts being banded about so freely, you have to question whether the premiums on offer were any good to start with? Other insurers offer straightforward cash off the price you pay. For example, at the moment the Post Office is giving £50 cashback on car insurance. But surely if 20 or 30% or £50 can be knocked off randomly the policy was overpriced in the first place?
Fixed premiums
A couple of insurers offer to fix your premiums for a certain amount of time. Towergate -- which sells its insurance products through brokers -- is currently offering to fix home insurance premiums for three years while last September HSBC was giving its mortgage customers the chance to fix their home insurance premiums for five years. Although this may sound tempting, let’s look at the facts and figures.
A quick trawl of some price comparison sites suggests that HSBC is not particularly competitive for home insurance. Covering the contents of my flat with HSBC would set me back £254.84 a year, more than twice the cheapest quote which was £108.49 with Fortis. So supposing I was a HSBC mortgage customer and I’d chosen to fix my premium for five years, I would have paid a total of £1274.20 over five years. If I’d gone with Fortis and paid the same premium for five years I’d have paid £542.45. Even if Fortis doubled its quote from year two onwards I’d still be quids in.
Another point to consider is that if you don’t make any claims on your home insurance, you generally benefit from a no claims discount in future years. But by fixing premiums for future years, householders will be missing out on this discount.
So what should consumers do when they’re looking for a new insurance policy? My advice is simple: don’t fall for cheap marketing tricks. Use a comparison service to compare what you’ll actually pay with each insurer after online and other discounts have been taken into account. And when your policy is due for renewal, don’t naively think your insurance company will reward your loyalty with a cheaper premium. It won’t. So be prepared to ditch and switch.
More: The Latest Insurance Price Increases
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