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Big lie #1: Car insurance online is cheaper

You’ve been forced to! Buying your car insurance online is not the cheapest way to buy car insurance, in fact it is one of the most expensive ways to buy your car policy.

The big insurance companies don’t want you to read this. They are making a big bundle selling high priced car insurance online.

The reason they are so successful is because we as a society have quickly come to equate ourselves with the best and this is far from the truth. The big auto insurance companies have done a great job pushing “fast.” If you visit any of their websites, you will see “Quick Quote”, “Get Your Insurance Now” all over the home page.

Nowhere will you see the lowest quote because the lowest quotes can only be provided by local agents. They are the only ones with the authority to lower rates.

Online insurance quote sites are nothing but computer based. What this means is that a computer can only deliver what’s on its hard drive, and believe me, they don’t put a low price on the hard drive. How long do you think it would take a smart programmer to figure out how to access that low rate? Probably no longer than it takes you to read this article.

Can you imagine what would happen to those big insurance companies if everyone on the internet knew how to access that low rate? Some “Guru” would be selling a program for everyone to use in a matter of minutes.

The only way to get that low quote is from a local insurance agent and only if you know you are competing against another agent. Call your local agent and you’ll get the same quote as everyone else. Local insurance agents are there to make money and won’t give that low rate unless they have to.

The only way to get that low rate is through the agent himself, not his secretary or any other member of his staff. That’s the broker’s profit you’re cutting, so he’s the only one who can cut that rate.

The ideal way to get that rock-bottom quote is to go online, fill out just one form, and email it to five or six of the hungriest, most insightful local agents in your area. When they receive your request for quote, they will automatically know that their best competition also received the same request for quote.

This puts those local agents in competitive mode, ready to cut fees and pay whatever it takes to get your business. When local agents compete for your business, you win!

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