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It started off as a normal day, like any other. I woke up to a sink full of dishes from the night before, the little one was begging for a jelly sandwich (we are perpetually out of peanut butter, so he settled for a J minus the PB&) and I had at least 27 things on my to do list, it was a typical morning, all was well, then it happened. I got that call that no one wants to get.
It was my husband. he was talking really fast, asking me to grab a pen & paper, to write down a name and number. "Why? What's going on, are you OK?!", I asked him. "Yes, I'm OK, but the car was just pelted by a gravel truck and it's pretty bad. I need you to call the trucking company and let them know." I grab a notebook and copied down the info he rattles off to me, including the name of the company and the truck's unit number.
After hanging up the phone, I waited a few minutes, before calling the gravel company, trying to decide how I would explain to my husband how the big, fat, stinky, greasy guy at the gravel place refused to pay for our damages, challenging me to "Prove it!", while laughing maniacally & twirling his mustache, ala Snidely Whiplash.
Luckily, none of that happened. The dispatcher at the gravel company was a woman, she was super nice and helpful and I am fairly sure she didn't have a mustache to twirl. She apologized and gave me the number to their insurance adjuster and said they would take care of everything, no problem.
While this particular incident ended well for us, what if it hadn't?! What if their insurance company hadn't paid the claim or what if they had no insurance to begin with?! Would my auto insurance have covered it and if so, how much would it have cost me?
At my age (38), I have had auto insurance longer than I haven't, but do I still have the best possible coverage at the best possible price?! I wasn't sure, I hadn't checked rates, since we bought our last car about 4 years ago, so I did what any red blooded American would do... I hit the internet.
After looking at a few of the major insurance company's sites, I realized this was gonna be way more trouble than I had initially thought. Not only do you have to take the time to enter allll your info into every single site, you also have to either print out or write down, or Gods forbid, try to remember what each company's quote was, some of them also ask for way too much info, a blood sample and your firstborn child... O.K., maybe it's not that bad, but you get my point.
Lucky, for me, #CollectiveBias gave me the opportunity to #Compare2Win with a quote from the new insurance rate comparison site, AutoInsurance.com.
AutoInsurance.com is a first-of-its kind, independently operated one-stop-shop site that empowers consumers to quickly search, compare and purchase auto insurance, saving time and money online, you can even retrieve your current policy info, easily right through the site, so no more entering allll that info into a zillion different sites.
There is no cost associated with searching and comparing quotes – you can obtain a quote with no obligation to buy, giving you the control you want without the added pressure to purchase, but in the event that you do, you can purchase directly through the site or via phone with one of their licensed agents.
Autoinsurance.com empowers consumers to take control of the auto insurance purchase process by offering a verified, final price that can be purchased directly online or by phone. Many other online sites provide only estimates that cannot be purchased.
Currently, consumers can compare quotes from up to six top national carriers: Progressive, Travelers, Esurance, 21st Century, The General and Safeco, but since the site is still new, full functionality is only available to those living in Texas, Arkansas, Oklahoma, Missouri, Louisiana, Tennessee and Mississippi.
My experience with AutoInsurance.com was really easy and quick. In less than 10 minutes, I was able to get quotes from 4 or 5 companies and I found, if I tweak my coverage a little bit, I can save between $50 and $80 every six months.
The site was super easy to navigate. You simply enter your zip code, enter a few items of pertinent info (or you can use the auto fill option), add your vehicles, choose the coverage limits you prefer and that's it.
In less than 10 minutes, you can have a real quote, not just an estimate, that you can purchase right then or you can think about it and discuss it with your significant other. In the event you have a few questions or need extra help, no worries, their customer service reps are super friendly and courteous. (shout out to Shelly... Hey, girl!)
If you haven't checked your rates lately or you have a teen, just starting to drive, I highly suggest comparing auto insurance quotes on AutoInsurance.com, your wallet will thank you.
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