Monday, December 2nd
2024 Auto Insurance Plan Reviews
US Insurance Online
- Free quotes
- Works with top 3 insurance agencies
- "A+” Better Business Bureau rating
US Insurance Online says they make shopping for insurance quotes easy. Their process is much like many others where you fill out a short form to get quotes and start comparing rates to find coverage for auto insurance, health insurance, life insurance, or home insurance. Using their large network of licensed insurance agents across the U.S., US Insurance Online will match you to local agents in your area to run free insurance quotes for you.
Needs a makeover
We started out with little hope for how up-to-date US Insurance Online is since the main photo on their website is of a guy talking on a flip phone (but hey, those are making a comeback...). Their website is in bad need of some simplification and some modern appeal.
False sense of security
Besides being wordy, we noticed as soon as we reached the site that it wasn't secure, meaning any information you enter on their site could be intercepted by a third-party since their connection is not encrypted. The funny thing about US Insurance Online is that they immediately ask you for your zip code and quote type you're looking for so that you can start comparing. Along with this is a message saying, "Your information is secure.” We don't believe this for a second, so we are very leery of providing personal information here.
Standard questions to answer
The information you'll have to provide to US Insurance Online if you want a quote includes your vehicle year, make, model, who your current insurance is through, what your accident and ticket history is like, your birthday, name, physical address and email address.
Website error
We braved the system and inputted information for an auto insurance quote. It was definitely not worth it since we received an error message in the end saying, "Thank you for your interest in our service. Unfortunately, we are not able to accept your information at this time.” And there was nowhere else we could go from there.
Nothing useful here
We would be willing to bet that US Insurance Online isn't an active, fully functioning auto insurance service. Although their website is still up and hanging by a thread, it doesn't do anyone any favors. Plus, the only three companies listed as those that US Insurance Online works with are Progressive, Liberty Mutual, and Farmers. If you're only comparing quotes among the top three players in the auto insurance industry, you aren't really getting enough choices.
Meaningless BBB rating
The Better Business Bureau badge on US Insurance Online's website leads you to a rating for All Web Leads, Inc. This company runs InsuranceQuotes, US Insurance Online, and Family Healthcare Services. The rating is an "A+”, which is great but doesn't make up for the other issues we ran into. Outside of this, there are no recent customer reviews that mention US Insurance Online.
Don't risk it
Since US Insurance Online is a time-sucking website that potentially could lead you to getting your personal information stolen, we'd steer clear. They landed themselves nearly at the bottom of our ratings for auto insurance and we'd recommend looking almost anywhere besides here for quotes.
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Whether you've just turned 16, or you're 99 years old and out driving on the roads, you need auto insurance. This protects you and everyone else by making sure that if an accident happens, it will be paid for and taken care of. Whether you get in a small fender bender or (heaven forbid) a devastating large-scale accident, your insurance will kick in and save you from potentially having to pay thousands of dollars out of pocket.
Besides paying for damage done to your car and anyone else potentially involved in an issue on the road, auto insurance can cover things like theft, weather, keying, or natural disasters. It can help pay for medical bills, lost wages, or even a funeral if anyone is injured or killed. There are a range of other things your insurance can help with depending on the plan like a cracked windshield, which comes in handy since we've all been hit by a flying rock or two on the road.
Auto Insurance Plan FAQ
Continued from above...
There are usually different tiers of auto insurance plans that you can choose from that will determine how much is covered. You're probably familiar with a few big-name auto insurance companies that seem to dominate the marketplace with ads and commercials. But there are actually quite a few companies out there and some could save you a significant amount of money compared to their competitors.
You can usually get a quick online quote within minutes that will help you compare pricing between companies. There are even some services that will take your information and instantly help you compare quotes among a bunch of different companies without you having to visit them one at a time. Depending on your driving history, some of these services give you more accurate quotes than others, but it's always worth a try.
We've done a lot of the deep dive research regarding some of the top online websites that sell auto insurance and recommend keeping the following things in mind when you're shopping:
- Quote turnaround time. It's frustrating to spend time filling out personal information on a website and answering questions about your driving history only to find that instead of providing you with an online quote, you have to wait to talk to a representative on the phone. This can drag out the process and make it hard to easily compare quotes among companies.
- Information required. Most companies ask for basic information like your name and email address before getting started with questions about what you need in an insurance policy. However, some companies require a social security number or other private information before providing an online quote, and we would be wary of this. We like companies that just ask for what they need in order to provide you with pricing rather than try to get as much out of you.
- Reputation. Pay close attention to the Better Business Bureau rating and customer ratings of an insurance company. When you're in a situation where you need your insurance company to step in, it's usually not a fun one and you want to work with someone who will be helpful, responsive, and provide payouts quickly. When you pay for auto insurance, you should expect the company to deliver on their product, but unfortunately a lot of companies make this difficult. Look for a place that people are happy with and trust.
The experts at Top Consumer Reviews have researched and ranked the most popular auto insurance sites you're likely to consider when shopping for coverage. We hope this information helps you have peace of mind as you head out on the road and feel taken care of when the time comes to use your policy!
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