Best Life Insurance Quotes – Where to Get Them

If you have a family, you need life insurance. You already know this, but you may not know where to find the best life insurance quotes. The answer is as close as your internet connection. Yes, just as you can find a great deal on electronics, socks, and software on the internet, so too can you find the best rates for life insurance.

Finding Life Insurance Quotes Online

The key to finding the best life insurance quotes lies in very useful resources called “insurance comparison websites.” These websites contract with A-rated insurance companies to offer fast and accurate quotes. This means that when you fill out an insurance application at an insurance comparison website, you are submitting that application to multiple companies at one time. And so with one easy application, you get multiple quotes to compare.

Rates for the same life insurance coverage can vary greatly from one company to another, so the few minutes you spend at an insurance comparison website could save you hundreds of dollars a year.

Think you’re missing out on the personal service offered by an insurance agent if you choose to go online for your insurance policy? Actually, the best insurance comparison websites have insurance professionals available to talk with you online or by phone. They can answer your questions and help you make the best choice for you and your family.

Money-Saving Life Insurance Tips

Some more ways to help you get the best rate on your life insurance include:

* Avoiding tobacco products. If you do use tobacco, quit.

* Scheduling required medical exams for the morning, when your blood pressure, cholesterol, and stress levels will be lower.

* Timing your purchase right – by applying for insurance at the end of a quarter or year, you may find insurance companies give you a better rate as they try to reach their sales goals.

* Check for price breaks. You may find that it is less expensive to buy $250,000 worth of coverage than to buy $200,000 worth of coverage because the price per thousand goes down.

Compare Homeowners Insurance Coverage to Get the Best Rate

Premiums for identical policies from different companies can vary by hundreds of dollars a year. Knowing this, getting quotes from several companies just makes sense.

Getting Quotes the Easy Way

The best way to get policy quotes is to go to an insurance comparison website. These websites will let you quickly get several quotes from A-rated insurance companies.

Whether you need a traditional policy that offers basic property and liability coverage or a more specialized policy that includes coverages such as flood insurance, an insurance comparison website can help you get quotes to compare.

To get your quotes, all you have to do is fill out a simple online form with basic information about yourself, your home, and your insurance needs. For example, you will need to include:

* How much coverage you want

* What you want your deductible to be

* What year your home was built

* The square footage and construction material of your home

If you have any questions as you fill out and submit your application, the best insurance comparison websites offer a chat feature staffed by insurance professionals who can guide you through the entire process.

The Next Step

Of course, getting your quotes is just the first step. You also need to compare those quotes and choose the best policy.

In addition to the price of the policy, you should also look at the financial strength, customer service and claims history of each insurance company. You can again turn to the Internet as an excellent source of information, looking at:

* Websites from rating companies such as J.D. Power and Associates (jdpower.com) and A.M. Best (ambest.com).

* The website for each company you are investigating

* Your state’s department of insurance website