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Are Insurance Quotes Free?

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Shuman Roy is an entrepreneur, business owner, and musician. He started RoysNoys, LLC in 2013 as a music production and education service company. He also offers small business consulting and advisory services to help businesses get from start-up mode to turn-key operations. Shuman earned his M.B.A from the Stern School of Business in 2001...

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Joel Ohman is the CEO of a private equity-backed digital media company. He is a CERTIFIED FINANCIAL PLANNER™, author, angel investor, and serial entrepreneur who loves creating new things, whether books or businesses. He has also previously served as the founder and resident CFP® of a national insurance agency...

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Reviewed byJoel Ohman
Founder, CFP®

UPDATED: Mar 13, 2020

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Insurance Q&A: “Are insurance quotes free?”

It’s very common for insurance related advertisements to end with, “Call today for a free quote!”

That seemingly magical, too hard to pass up offer might lead the average consumer to believe getting quotes from another insurance company would cost them some of their hard earned money.

But, is that really the case? It’s questions like this that keep us here at TTAI going. Let’s dive in.

The Reality About Free Insurance Quotes

  • We’ll cut straight to the chase here
  • No legitimate insurance company charges for an insurance quote
  • If someone is charging you for a quote it’s probably a scam
  • Or at least a company you probably don’t want to do business with

Insurance quotes are free anywhere you go. That’s right, no charge!

We aren’t aware of any insurance company or insurance agent out there who is charging for an insurance premium quote. That’d be counterintuitive, don’t you think?

If anything, you might see the opposite, like a free pair of tickets to a ball game if you agree to get a quote from your local insurance company.

Why? Because they know a quote could lead to a new policy, which in turn will make them money. Not very smart to put up any roadblocks there, right?

It’s just like a test drive at a car dealership. They want you to jump into the car, take it for a spin, and hopefully get the urge to buy or lease it.

Same deal with a car insurance quote, minus pretty much all of the excitement.

Furthermore, it’s pretty easy for a company to generate an insurance quote for you. In fact, it’s really YOU that’s doing most of the work!

Almost all personal lines insurers in the United States use computer software to provide customers with insurance quotes.

It shouldn’t take more than a few minutes to generate some numbers…and if they’re good numbers, the insurance company stands to make a buck. And another buck at renewal time each year…for decades to come.

Back in the day, quoting insurance was a laborious, time consuming event.

So charging for car insurance quotes back then may have at least been reasonable/justifiable.

A lot of time may have been “wasted” by an insurance agent who quoted several policies per day and didn’t sell anything…and time is money. Or more accurately, was money.

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Hello Internet!

  • It’s now even easier to generate insurance quotes in no time at all
  • Thanks to technology like the Internet and comparison websites
  • You can get multiple insurance quotes (recommended) in one search
  • Simply by providing some basic information about yourself and your vehicle (or other line of insurance)

With the advent of the Internet, multiple insurance quotes can now be obtained in less than 5 minutes by simply providing some basic information one time.

Not only that, but policies can be purchased without ever meeting an agent face-to-face or visiting and insurance company’s office to sign the paperwork! We know, it’s amazing…

But the competition is fierce now. Consumers are no longer limited to purchasing a policy from one of the 3-5 local agents in their area.

In fact, if you live in California, you can buy a policy from an agent in New York (if the NY agent is licensed in CA) if that’s the best deal around!

[Do insurance quotes affect credit score?]

Your Insurance Quote Should Be Free, and Hopefully Save You Money Too!

  • Insurance quotes are FREE
  • Insurance companies and agents want your business
  • So they’ll put in the time and money to try to earn it
  • If someone is attempting to charge you it’s best to look elsewhere

To summarize, any insurer or agent who would charge you for this readily available, free service would likely be asking to go out of business.

If someone tries to charge you for an insurance quote, RUN! Or simply hang up the phone and call someone else. And block their number while you’re at it.

This is likely the same agent who will attempt to tack on a broker fee to your policy…in addition to the commission they earn for issuing the policy to begin with.

As always, it is recommended that you shop for insurance both online and offline.

This means gathering insurance quotes from websites like ours and elsewhere.

Generally speaking, the more quotes you obtain, the better your chances of saving money. There are studies that prove shopping around can result in big savings.

And also speaking to one or two independent insurance agents, who can shop your rate and provide you with multiple insurance quotes all at once, all for free!

Note that a captive insurance agent can only provide you with quotes from the one company they represent, which certainly doesn’t count as shopping around, at least not to us.

In fact, if you only deal with captive agents, you’ll need to call each one individually to get a single quote. Talk about a lot of work!

Read more: Are online insurance quotes accurate?

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