Comparing Car Insurance Rates

Smart consumers understand why it’s important to compare car insurance rates — because it can save a lot of money! In the following information, we will discuss how to compare car insurance rates, how to get the most accurate rate and how to choose which insurance company is right for you, based on the information received from car insurance quotes. Keep reading to learn how to save a lot of money on car insurance. 

In order to receive an accurate quote when comparing car insurance rates, it’s important to request a quote for the same type of coverage each time. Various types of coverage include liability property damage coverage, liability injury coverage, uninsured and uninsured motorist’s coverage and the amount of deductible — each of these components can affect the rate.

It may also be helpful to check out the different ways that each insurance company lets their customers buy insurance including, over the phone, online and the type of payments they allow, as well. In addition, it can also be helpful to find out more about each insurance company’s customer service including the ways to contact the company (over the phone or online), the hours of operation, the manner in which one must file a claim and more.

Car insurance companies also insure motorcycles, boats, homes and other methods of coverage. Several insurance companies will offer customers a discount for purchasing multiple policies from their company. Therefore, if an individual has their car insurance, home and boat insured through the same company, they will receive a discount for their loyalty. In addition, most companies offer other discounts to their customers, as well. Therefore, it pays to inquire about special deals and discounts.

There are several other factors to consider when comparing car insurance rates. Some of the aspects to consider include the size and stability of the company, insurance purchase options and the type of insurance plans each company offers. In order to measure the stability of a company, it helps to check out how the company is doing on the stock market and to find out the length of time the insurance company has been in business. Another method to determine how the insurance company is rated is to check out their ratings through an industry association such as, A.M. Best, which is a credit rating organization that reviews financial services industries.

The best way to compare car insurance quotes is to ensure that the comparison method is equal. Car insurance premiums are determined by the risk, which is determined by the possibility of the car getting into an accident or being stolen. The biggest factors that typical insurance agencies have to consider include:


*Driving History


*Type of Vehicle

*Credit History



*Safety Features

The top four components (listed above) are the most important factors that an insurance company uses in determining the car insurance rates of a vehicle. The insurance company calculates the premium based on these factors.

Comparing car insurance rates is one of the best methods for saving money on car insurance and it helps to know how to do it, the right way.

Auto Insurance Quotes Comparison California

California car insurance shoppers: you have come to the right place. The number one rule to finding the cheapest auto insurance rates is to compare quotes, especially in a large state such as, California. From LA to Monterey , the rates vary dramatically according to the insurance company, therefore, to save money – it is essential to know about car insurance in California. In the following information, we will discuss the minimum car insurance requirements by California state law.

The rates in California (and other states) have changed throughout the years. For instance, the average car insurance rate in California is 21 percent less in 2010 than last year and 2009 was six percent more than the rate was in 2008 in California. According to, the typical cost of insurance in California is approximately $1,306, while the average (for the other 49 states) is about $1,552. However, the best way to find the cheapest rates is to compare rate quotes.

Comparing insurance rates in California (and other states) is a smart consumer option. The process of comparing rates is simple, fast and could save more than $100 per month! People who have an excellent driving record or even those who have a poor driving record can benefit by comparing rates in the great Golden State of California.

California residents can receive a quote by calling and visiting local insurance offices. While this tried and true method of getting an insurance quote is a great way to get the best deal for car insurance, it can consume quite a bit of time. However, the newest method for receiving a quote is a great way to save time and money. This method is referred to as, online rate comparison. Rate comparison online allows individuals to see side-by-side comparison of the rates, products and services offered by each insurance company. Initially, the sites ask the inquirer to enter the zip code where their vehicle is parked in order to begin the process. The zip code information allows the system to determine the quote comparison based on location. After entering the zip code, rate comparison websites require certain information to provide the most accurate quote including, the person’s gender, age, information about their driving history, credit report and more to generate a side-by-side comparison of several major insurance companies.

CA Driving Laws

The state of California (and other states) requires a certain amount of insurance coverage for motorists. The California state law mandates basic coverage, known as, 15/30/5 coverage, which includes:

-Bodily Injury Liability minimum of $15,000 per injured person with a maximum of $30,000 per accident

-Property Damage Liability minimum of $5,000

*Drivers in the CA Automobile Assigned Risk Plan are required to have 10/20/3.

California state uses the Tort system, in the event of accidents; therefore, a driver needs to be found at fault for being the cause of the accident and the driver responsible for the accident (and their insurance company) are required to pay for any damages.

Driving with insurance in California is the law, but it doesn’t mean that California residents have to pay a lot in order to receive the proper coverage – rate comparison is probably the best way to save money on car insurance.

Is Geico cheaper than All State?

Allstate’s advertising campaign states that individuals can save $396 to $581 per year (based on location) on car insurance by switching to GEICO, but is this really true? We will determine which rates are cheaper: GEICO or All State. In addition, we will discuss the difference between the products and services of GEICO vs. Allstate, as well.

How does Allstate make the above claim? The answer: the Allstate website (and every Allstate agent) asks each individual inquiring about a rate quote, who their prior carrier was and the amount of the previous rate, as well.

While this claim may be based on the responses from actual GEICO customers, the rate that someone pays for car insurance is based on a number of different factors. Therefore, the price can vary according to a person’s driving record, age, credit rating, type of vehicle and the year and various other factors. Therefore, it’s impossible to determine which company will ultimately be cheaper.

Rates can change quickly in today’s insurance market; therefore, it’s difficult to determine an exact premium amount (e.g. $581.00). The price difference could be as much as, $100 to $200 different from the rate stated by the commercial. In order to find the best rates, it’s a good idea to shop around by comparing insurance rates from both companies.

Both companies offer excellent products and services:

*GEICO and Allstate both offer online policy access – which means, instant online quotes, 24/7 customer service, online information and more to customers and non-customers.

*GEICO’s website is easy to use with helpful tools to guide individuals through purchasing an insurance policy. The website also pulls information from the DMV and other businesses’ databases to eliminate the need of inputing information about their vehicle and driving history, which results in faster, more accurate quotes. The website allows consumers to view an itemized list of insurance features to customize their selection according to the type of desired coverage and each person’s budget.

*GEICO offers numerous discounts including military and federal employee discounts, driver’s education discount, good student discount, multi-policy discounts and more.

*Allstate offers multiple discounts such as, their Defensive Driver, Premier and Premier Plus Driver discounts, safety features discount (anti-theft devices, air bags, anti-lock brakes and more), retired and over 55 discount, multi-policy discount and more.

*Allstate’s Accident Forgiveness, New Car Replacement, Deductible Rewards and Safe Driving Bonus are all available to safe drivers.

*Allstate also offers different levels of policies such as, Value, Standard, Gold and Platinum packages.

In order to take full advantage of these special products, programs and discounts, it’s a good idea to discuss the information with your insurance agent.

Truthfully, the cost of insurance is based on a number of different factors that every insurance company uses to calculate insurance premiums. Overall, Allstate’s rates tend to be less expensive for those who are either over 35 or families insuring multiple cars. However, GEICO is a great option (and sometimes cheaper than Allstate) for those under 25 and singles tend to get better rates with GEICO, as well.

Chevy Malibu Car Insurance – Is it Expensive?

The Chevy Malibu is chosen for its smooth style, impressive fuel economy and quality parts, but there’s another benefit regarding these cars: Cheap insurance. Learn more about why these cars are cheaper to insure (than most) and some of the other benefits to these luxurious (yet affordable) sedans.

Insurance companies base the price of the premium on many different factors including personal information about the driver(s) that will be on the policy, information about the car and the risk of the vehicle being involved in an accident or being stolen (which will result in a claim). Therefore, the price of the premium is based on not only the make, model and size of the car, but on the available safety features of the vehicle, as well. This, however, is good news because the Chevy Malibu is loaded with safety features that come standard.

Seat Belts

Every Malibu comes with a lap and shoulder seat belt for each seat, which offers added protection to all passengers and keeps the insurance lower.

Air Bags

One of the safest cars in its class, the Chevrolet Malibu is equipped with six air bags, including front air bags and side air bags (for each passenger). The air bag coverage for the entire car ensures that anyone driving or riding in the vehicle will be protected, in the event of an accident. Therefore, the risk of anyone being injured will be lower, which helps to keep the premium low.

StabiTrack – Electronic Stability Control System

The patented stability control system found in every Chevy Malibu provides the driver with extra control. StabiTrack Electronic Stability Control System helps to keep the car on the road and helps to lower the risk of accidents caused by weather conditions or other factors that require rapid response and fast maneuvering. Any feature that lowers the risk of an accident, such as StabiTrack can help to decrease the insurance premium.

Theft Deterrent Systems

The security system comes standard, as well, for Chevy Malibus, which helps to decrease the chances of the vehicle being stolen or damaged by theft. The theft deterrent system works by setting off flashing lights and the horn, which attracts attention to the car and eliminates theft or vandalism. Therefore, this standard feature helps to keep the insurance rates, low.

The Proof

Insurance companies need more than just stating that the vehicle is safe, they also need proof. Chevrolet and all other car companies need to prove through crash tests and the Insurance Institute for Highway Safety that their vehicles are safe and that the safety features work, as well. The 2010 Malibu is near the top of the list, which gets insurance companies’ attention and results in better rates.

Chevrolet Malibu is one of the cheapest cars to insure. In fact, the average monthly cost of insurance coverage for a Chevy Malibu is a little under $100. In addition, the cost of the premium remains low, even throughout several years of ownership.

2011 Auto Insurance Trends

The automotive industry is constantly changing; therefore, it makes sense why the auto insurance sector would have many exciting trends, as well. With the 2011 introduction of the plug-in hybrid (Prius and Yaris), which can be plugged into any 110V outlet or voice-control interface (Kia Sorento SUV), which lets drivers control the stereo, plug-in devices and send and receive calls without using their hands for a unique experience known as, voice-activated operation. Just like the auto industry, auto insurance companies are trying to compete for your business, which is why they offer special premiums, discounts and other incentives to their customers and potential customers. In the following information, we will explain some of the latest auto insurance trends for 2011 and some of the discounts, as well.

Student Driver Discounts

In the past, many insurance companies used to classify student drivers as being risky and costly to insure. While this fact may still be true, the numbers of student drivers has progressively been growing, which has resulted in insurance companies needing to make changes to their policies regarding insuring student drivers (in order to increase business). Insurance companies are now, realizing that student drivers don’t necessarily require high rates. In addition, insurers are competing for business from student drivers, as well, by offering discounts, risk buffering and other incentives to drivers who attend school. Some discounts to student drivers include, a good student discount, discounts for being insured under the same insurance company as the student’s parent or guardian, cheaper rates for students who make payments on time and discounts to students who are part of a group, club or organization that is eligible for a group discount.

Safety Discounts

Insurance companies don’t want to pay, so to avoid paying a lot of money (in the event of a car accident) many companies reward people by giving them discounts for driving safe. The discounts vary according to the company, but some of the safety discounts include:

*Air bags – Many insurance companies offer discounted rates to drivers who have air bags installed in their vehicles. Sometimes, the discount is on the injury/liability portion of the bill for drivers who have air bags. In addition, many insurance companies offer substantial discounts to customers who have BOTH front and side air bags.

*Seat belts – One of the most important aspects to driving safety is the seat belt. Seat belts typically save 10,000+ lives per year, which is why the insurance companies offer a discount to customers who regularly wear their seat belts.

*Day-safe lights – Day lights are an additional safety feature that help keep the car visible and prevents accidents. Cars that are equipped with day-safe lights will typically receive a discount on their premium.

*Head injury protection – Headrests offer protection against a head injury and neck trauma, in the event of an accident. Therefore, several insurance companies provide a discount to those vehicles that are equipped with protective headrests.

*Theft-deterrent alarm – having a security alarm installed in the vehicle can result in lower insurance rates, as well. The rates are calculated using several factors including, the risk of the vehicle being stolen. Therefore, security alarms or theft-deterrent alarms will help to get a cheap premium.

Comparing Toyota and Honda Auto Insurance Prices

Honda and Toyota have rivaled for decades with similar designs, features and prices, but how do these two car companies compare, when it come to insurance prices?

Honda and Toyota = Cheaper Insurance Rates

Both of these companies offer affordable cars and along with the value associated with Honda and Toyota manufactured cars, these vehicles are available for cheap insurance rates, as well. Why are these cars cheaper? There are three main reasons:

a) Both of these manufacturers sell economically priced vehicles and cheaper vehicle equals cheaper rates.

b) Honda and Toyota both make vehicles with multiple safety features and their cars typically rank high in crash safety tests.

c) Cars or other vehicles made by these car manufacturers are most often smaller in size, therefore vehicles made by Honda and Toyota tend to cause less damage to other cars, in the event of an accident.

The price of the vehicle is helpful to insurance companies in determining the risk to insure the vehicle. And because insurance companies use the risk of the vehicle being in an accident (as well as, the risk of the vehicle being stolen, being involved in speed racing or sustaining or causing serious damage in the event of an accident) to calculate the premium, these qualities in Toyota and Honda models are what keeps the cost of insurance at one of the lowest premiums. In fact, vehicles from both, Honda and Toyota are available for cheaper insurance premiums than most other makes.

Which Insurance is Lower: Toyota Vs. Honda?

When comparing insurance prices between Toyota and Honda, it’s difficult to make an accurate determination. However, when it comes to comparing the insurance rates for similar cars from both manufacturers the rates are almost always very close in price. For instance, the Honda Accord DX is priced around $21,795 and insurance is around $1,250 per year, while the Toyota Corolla costs about $19,359 MSRP and the insurance is $1,250 a year, as well. While, the cost is often very similar for both makes, insurance is traditionally cheaper for Honda rather than Toyota. The early 2010 recall of many Toyota models may have contributed to higher rates, as well.

Fact: The Honda Civic offers one of the lowest premiums, in the sedan category.

How They Compare

Honda and Toyota are both comparable car manufacturers because they both tend to release similar models. Therefore, the insurance rates are generally similar for both Honda and Toyota. For instance, both Honda and Toyota have released hybrid cars that are close in comparison: the Toyota Prius and the Honda Insight. Both of these options feature an affordable list price, great fuel economy and similar insurance rates.

These two car companies offer similar models featuring comparable safety features and the insurance is typically, cheaper for Honda models as opposed to Toyota. Overall Toyota and Honda vehicles are both great options because they both offer economically priced insurance rates.

Station Wagon Auto Insurance Prices

Throughout the years, the station wagon has evolved to become a sleeker, sportier, more modern version of the traditional station wagon that so many of us are familiar with and recognize as an All-American family icon. Newer station wagons are being given new names such as, compact-utility vehicle, crossover, five-door and sports wagon. With these changes, the popularity of the family station wagon has greatly increased, as well.  Therefore, many people who own a station wagon or are considering purchasing a reliable family vehicle that offers the convenience of a car, with the extra passenger room and storage capabilities of a van are wondering about the cost to insure a station wagon. In the following information, we will discuss the insurance prices for a station wagon and talk about which options are the cheapest, as well.

It’s no wonder why people would want a station wagon. These wagons offer better gas mileage than SUVs and minivans, are more affordable buying options and offer cheaper insurance than most vehicles. Station wagons have cheaper insurance rates because they are safer with plenty of features and stability options, decent in size, but not so large that they cause much injury or damage to others, they typically aren’t stolen and they cost a lot less to repair than most vehicles, as well.

The Car Family states that the best station wagons to buy and insure are:

1. Kia Ronda

2. Subaru Impreza

3. Dodge Caliber

4. Pontiac Vibe

5. Mazda

6. Toyota Matrix

The station wagon auto insurance rates depend on several different factors including the type of station wagon that the vehicle is and several other personal factors about the individual who is requesting coverage (age, location, gender, driving record and credit score). In addition, insurance companies base the premium for station wagons (and all vehicles) on the claims records for each vehicle, therefore, the insurance rate can vary considerably with different makes, models and sizes depending on the claims history for the specific station wagon. For instance, in between 2002 and 2004, smaller sized station wagons ranged from 54 percent higher than average (Subaru Impreza) to 20 percent lower than average (Volkswagen Jetta). However, during that time, the claims records for mid-size wagons were about 24 percent less than average. Therefore, most mid-size station wagon options are available for cheaper insurance rates than most other types of cars.

According to, the cheapest station wagons to insure and the average annual premium:

1. Chrysler Town & Country LX ($1,120)

2. Dodge Grand Caravan SE ($1,131)

3. Toyota Sienna CE ($1,133)

4. Toyota Sienna LE ($1,149)

5. Dodge Grand Caravan SXT ($1,187)

6. Toyota Sienna XLE ($1,188)

Moreover, because there are several different factors involved when it comes to determining insurance premiums, it’s a good idea to compare quotes to determine which company offers the best rates for a particular type of station wagon. While many other vehicles are more expensive to insure, station wagons have consistently decreased in price, as far as insurance premiums are concerned. Therefore, this family vehicle is not only cheaper to own and fill up the tank, but it is also a much cheaper option, when it comes to paying for auto insurance.

How Much is Insurance for my Hatchback?

Hatchback cars are often more affordably priced than most cars, however new owners of these convenient hatchbacks may wonder about the cost to insure these zippy, fuel economy cars. In the following information, we will explain more about the cost to insure a vehicle with a hatchback and provide helpful information for hatchback owners.

Traditionally, the cost to insure a hatchback is considerably cheaper than insuring most other vehicles. While, the cost of insurance is based on various factors ranging from a person’s age, driving record and where they live; the type of vehicle is also one of the main determining factors, as well. A vehicle’s insurance rates are based on the “loss history” of the vehicle, which could contribute to higher insurance rates.

There are several problems that lead to a high loss history and ultimately, higher insurance rates including factors such as, the cost to repair the car is expensive, the injury rate is higher than other types of cars (which may contribute to higher insurance rates for some hatchbacks), the type of car has a greater chance of being stolen and the car is a favorite of younger, less experienced drivers that tend to file more claims than most (another factor that may contribute to higher rates).

Surprisingly, the insurance rates for hatchbacks can vary dramatically across the board. Therefore, while most hatchbacks offer reasonably priced insurance, other models can be more expensive. The following list has been determined as the most expensive hatchback models (and with names like, Mercedes and BMW, it’s easy to see why — although, there are a few surprising, economically priced models that made the costly insurance list for hatchbacks. According to, the following 2009 models are the most expensive hatchbacks to insure:

1. Mercedes-Benz E-Class

2. BMW 5-Series

3. BMW 3-Series

4. Mitsubishi Eclipse

5. Audi TT

6. Mazda Mazdaspeed 3

7. Mercedes-Benz R-Class

8. Volvo C30

9. Volkswagen GTI

10. Scion TC

While some models are a bit pricier to insure, several hatchback models offer very cheap rates to maintain coverage. According to (and the Edmunds TCO (True Cost to Own pricing system), the following 2009 models are the cheapest hatchbacks to insure:

1. Ford Flex

2. Toyota Matrix

3. Pontiac G3

4. Pontiac Vibe

5. Chevrolet HHR

6. Mazda Mazda 3

7. Chevrolet Aveo

8. Honda Fit

9. Scion xB

10. Chrysler PT Cruiser

According to a study conducted over six major insurance carriers (Allstate, Farmers, GEICO, Nationwide, Progressive and State Farm) and in ten different zip codes per state, some of the affordable hatchback options from this study include:

*Dodge Caliber (4-door hatchback)

*Toyota Yaris (3-door hatchback)

*Mini Cooper (2-door hatchback)

*Dodge Caliber R/T (4-door hatchback)

Each of these hatchback options were determined to have an average annual premium between $1195 and $1230 (the average is based on a single male driver in his 40s with a clean driving record and decent credit, who drives 12 miles to work with coverage including, $100,000 injury liability for one individual, $300,000 for all injuries and $50,000 property damage. The policy also includes uninsured motorist coverage and a $500 deductible for collision and comprehensive coverage.

While these surveys are helpful in determining which hatchback option would be best, the cost of insurance is largely dependent on the individual requesting coverage. Hatchback vehicles are typically, cheaper to insure than most cars, but they can be just as pricey, depending on various factors.

55 and Over Discounts on Car Insurance

Men and women over 55 are offered discounts for various items and services ranging from car rentals to hotels and from dining to car insurance. For most people, receiving a discount on a bill like car insurance can be incredibly helpful. Moreover, some insurers view seniors at a higher risk and therefore, more expensive to cover — sometimes it can be difficult for individuals over 55 to retain coverage from some insurance companies. However, some insurance companies see it differently and offer ample coverage to those ages 55 and over.

Several insurance companies offer special discounts to drivers ages 55 and older.


*Senior Adult Discount – Drivers over 65 who drive 25% or more of the car’s annual mileage may receive a discount on Personal Injury Protection.

*55 and Retired – Drivers over the age of 55 (who are retired) will receive a discount on auto insurance rates, as well.

Allstate offers multiple discounts that seniors may be eligible for (in addition to special discounts) including, a multiple policy 10% discount (two or more of the following: car, home and life insurance through Allstate), Premier discount (clean driving record discount -no violations or accidents in the past three years) Premier Plus discount (no violations or accidents in the past five years), Accident Forgiveness (keeps rates from going up in the event of an accident, even if the insured is, at fault), and other discounts.

Erie Insurance Over 55 Discounts

*Discounts are available to drivers over 55, only if the individual is the principal driver of the vehicle.

*Seniors over 55 who are claims-free drivers that have completed driver improvement courses (approved by the insurance company) in the past three years are eligible for discounts, as well. In addition, the driver must reside in any of the following states to receive coverage: New York, Ohio, Illinois, Pennsylvania, Virginia or Tennessee.

Erie Insurance also offers safe driver discount, PERC (Pioneer Experience Rating Credit – drivers with at least three years coverage and a good claims history will receive a discount), safety discounts, security discounts, multi-policy discount, a reduced usage discount and more.


AARP members receive a discount on auto insurance from various insurance companies. In order to find the lowest rates, it’s a good idea call around for several different quotes or get quotes instantly online.

Drivers who are over 55 and have completed a driver improvement course (in the classroom) that has been approved by the state are eligible for a discount, as well. This discount from AARP are not offered in all states, but they are available in 36 states (including the District of Columbia).

AARP also extends a discount to ten additional states to those who have taken driver improvement courses, online.

In the UK, car insurance companies that offer benefits and discounts to seniors include E Car Insurance, Aviva Motor Insurance, GreenBee Insurance, Churchill Car Insurance, Direct Line Car Insurance and Insurance Choice.

There are other numerous insurance companies across the United States and the rest of the world that offer special discounts to seniors over 55 years old. There are also discounts for the 55 and up crowd at Geico, State Farm, Progressive and Farmers, as well (to name a few). In order for seniors to find the best discount, it helps to shop around by comparing prices and available discounts.

Farmers Fast Quote Service

Looking for super fast car insurance quotes? Farmers Insurance may have the solution.

In early 2009, Farmers Group Inc. and InsWeb Corporation (known on Wall Street as INSW) teamed up to provide Farmers Fast Quote (a combined effort through InsWeb’s AgentInsider Lead Program and Farmers’ leads and interactive website). In the following information, we will explain the basics of Farmers Fast Quote in more detail.

The Fast Quote service is designed as an interactive, web experience that compiles profile information to deliver homeowners, life and auto insurance quotes. The program enables Farmers agents to build a profile of any customer based on information provided by the customer. This quick list of questions requests information about the car (home or life) in question, which is needed to determine a quote and other personal information about the individual, as well.

Farmers Insurance, owned by Zurich Financial Services is based in California and offers insurance services to 41 states, as well as, Canada, Europe, Latin America and Asia Pacific. For many years, Farmers agents were able to utilize InsWeb’s AgentInsider leads, however this integration allows Farmers agents to provide more effective customer support and response tools in an efficient manner. Farmers agents have been provided with insurance leads from AgentInsider for nearly five years. The new system allows Farmers agents to buy leads from AgentInsider and deliver the information into the Farmers Fast Quote system, in order to provide fast, easy quotes for consumers.

The Fast Quote Service works instantly to provide potential customers with rapid information that is remarkably accurate. In the world of insurance, speed and accuracy are very important (especially concerning car insurance). Therefore, the Fast Quote Service is helpful to those who are experiencing a lapse in coverage (and need to get a quote, fast) or those who are pinching pennies and are looking for the best value.

The Fast Quote Service from Farmers requires the inquirer to enter information about them such as; their name, gender, email address and current home address to determine an accurate quote. To calculate a quote, (for home and auto insurance, only) Farmers may need to obtain a potential customer’s credit report to determine the rate amount. Additional information that is required involves info about any drivers who will be on the policy and information about the vehicle (make, model and year). The site will also ask questions to determine if the quote applicant (or anyone else who will be covered on the same policy) is eligible for any discounts. The site also provides a “Name Your Own Price” option, as well. In addition, the website allows consumers to look over independent research for various insurance companies as a comparison method to find the best rate.

The Fast Quote System works in the same way for consumers as it does for agents by compiling information based on other insured individuals (and their policy information) to provide potential customers with a fast, accurate rate quote for auto, home and life insurance.