Savvy vs ValuePenguin

Continued from above...

To get the right coverage for you and any other drivers in your household, you'll first need to know what's required in your state. Some kind of coverage is mandatory no matter where you live, but there's a big difference between the Bodily Injury and Property Damage minimums of 15/30/10 in Arizona, and the 50/100/25 minimums that include Bodily Injury, Property Damage, Uninsured and Underinsured Motorists, and First-Party Medical Expenses for drivers in Maine.

If you're struggling to make sense of that, don't worry. Some online insurance sites can do a good job of explaining exactly what you need to know. But, not all auto insurance platforms are the same.

Some serve strictly as lead generators: your information is passed along, sometimes to unrelated marketing companies, and you may find yourself overwhelmed with calls, texts, and emails long after you've chosen your coverage. It's better to look carefully and choose a website that actually provides quotes from different insurers and can help you get your policy set up, no spam required.

What else should you look for when buying your auto insurance online? Here are a few things to consider:

• Real-time quotes vs. wait for contact. Some auto insurance platforms give you a quote then and there; you can either click to set it up right away or make a call to finish the process. Other platforms collect your information and pass it along to an agent for a callback. If time is of the essence, choose a service that looks like the former.
• Available insurers. Where will the policies come from? Can you get coverage from one of the major players in the industry, only from smaller insurers, or a mix of both? Make sure the service you use has the type of insurer with which you feel most comfortable.
• Information required upfront. What will you have to disclose to get your auto insurance quotes? Eventually you'll have to offer up your driver's license and your phone number, so that your policy can be established. But, most hassle-free options usually give you as much information as possible in your quote before getting quite so personal.
• Reputation. What do consumers say about their experience with the auto insurance platform? Was it easy to get a quote? Were the rates comparable? How easy was it to get help with a problem or an answer to a question? Has the Better Business Bureau issued a favorable rating?

To help you get the right auto insurance for your needs, TopConsumerReviews.com has evaluated and ranked the best quote platforms available today. We're sure this will make it fast and easy to get the coverage you're looking for. Time to hit the road!