Can 15 minutes really save you 15% on car insurance quotes?

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Asked April 22, 2014

1 Answer


We have all heard the ads telling us how 15 minutes of time can save a remarkable amount on car insurance. The truth is that the savings are not guaranteed, but are possible and could even amount to more than 15%. Obviously, you can't just keep switching insurers to get lower rates, but a savings of 10% or more is possible by shopping for your coverage before you buy.

The way most auto insurance companies save you money is by finding discounts that can be applied to your account. For example, buying a policy from the same company which insures your home will get you a discount on both policies and being a college graduate will earn you another. In all, there are more than 20 different discounts available, including discounts based on your marital status, where you live, and where you park your car at night.

The claim that only one company is able to save you 15% on your car insurance is where the misinformation comes in. By shopping online through a website such as this one, you may be able to save even more, because insurance brokers do not represent a single insurer and will actually try to match your needs with the lowest cost policies. To find out how this could affect your insurance rates, take a few minutes right now to get a free online car insurance quote from this website.

If you have a less than perfect credit score or driving history, you may not be able to get enough discounts to save you much over the basic cost of coverage. The best savings will go to those who have a safe driver history and a credit score of 650 or higher. You can still save money without these benefits, but the amount of your savings may be lower than what you were hoping to get. This is where using an insurance broker rather than a dedicated agent makes the most difference because you can choose between multiple insurers to get the lowest rates available.

Answered April 22, 2014 by Anonymous

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