All the major insurers licensed to sell policies in your state are contained in the database for this site. To get quotes, all you have to do is to start the ball rolling with your zip code. Then you answer a simple set of questions about the car you want to insure and the extent of the cover you’re looking for. Insurers have detailed statistics about all the makes and models of cars and know how likely it is that the car will be stolen or be involved in an accident. This helps to set the basic rates. But the rates may go up or down depending on you as the driver.

If you’re a mature driver with years of experience and no recent claims sitting in a calm family saloon, your rates just came down. If you’re an inexperienced driver with recent tickets and a claim sitting in a high-powered car, your rates just went up.

Then the questions come about discounts and the deductible you’re prepared to accept.

When all the answers have been collected together, they are all sent out to the insurers. Some companies are picky, other prefer certain types of risk. By return you get a list of the best value quotes for the type of policy you’ve asked for. Some will come right out with a quote, others will telephone to ask follow-up questions before they tie themselves to a particular number.

By the time this has finished, you’ve got detailed quotes from all the best companies. All without ever having to stir from your home and without the stress of trying to fight through call centers and their premium-rate telephone systems. Now you take a while to work your way through all these offers. Some you’ll reject as too expensive. As the list gets shorter, read the small print of the policies to make sure you’ll get the cover you need.

So, using this completely free service, you can buy the best value policy and save yourself major dollars. How can this be anything other than a win-win opportunity?