Frequently Asked Questions
Here are the answers to the most commonly asked questions about online insurance help.
What kind of online insurance help do you provide?
Our primary goal is to help our visitors find the right amount of coverage for a reasonable price. Trying to do this on your own with so much information on the Internet is difficult. We've tried to pare this information down, presenting only the most relevant and valuable pieces to our visitors. In addition to advice on insurance decisions, we can also provide you with assistance in getting quotes on policies. For signing up with us, you can receive up to five such quotes free of charge.
Which insurers do you work with?
We work with most major insurers to offer quotes on health, life, home, and auto insurance. In the health insurance industry, we partner with companies like Blue Cross Blue Shield, United Healthcare, and Aetna. Life insurers that provide quotes on our site include MetLife, New York Life, and Gerber Life. For home and auto insurance, our partners include Allstate, American Family, State Farm, and may more.
Can I receive quotes from more than one company on this site?
Yes, in fact, we provide every visitor who signs up with us at least four quotes from different insurers. You can receive online insurance help from up to five insurers at once on our site.
Are the quotes you provide exact?
No, the quotes we provide as online insurance help are meant to be approximations, not exact figures. You will still need to complete a more involved application on the insurer's website in order to get a more accurate quote. Our quotes are meant to be a starting off point for you to narrow the field down to the best insurers.
Am I better off going through an agent?
An agent can only provide you with information about the insurer for which he/she works. The agent cannot give you quotes from multiple insurers. Secondly, agents cannot provide online insurance help. You will have to meet with the agent in person, which is much less convenient. Finally, agents work on commission, which skews their priorities. Instead of trying to find you the best coverage at the lowest price, the agent is trying to sell you the highest-priced coverage possible in order to maximize commission. With our site, you don't have to worry about this conflict of interest, as we are not affiliated with any particular insurer.
What do I have to do to view quotes?
The only thing you must do is fill out our online form with your contact information. You do not have to purchase a policy if you opt not to do so.
How can I find out if my insurer is financially stable?
The financial health of an insurance company should be of paramount importance to you. A financially unstable company may not have the ability to pay out your claim when the time comes. For online insurance help with determining the financial stability of a particular company, look up the ratings supplied by an organization like Moody's or Standard & Poor's.
