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How Our Quote Process Actually Works
Getting an accurate insurance quote shouldn’t feel like applying for a mortgage. We’ve simplified the process while still getting enough information to provide real, accurate quotes – not those misleading lowball estimates other sites use to get your information
Tell Us What You Need
Start by selecting the type of insurance you need. Whether it's auto, home, business, life, or specialty coverage like classic cars or RVs, we need to know what you're looking to protect. You can select multiple types if you're interested in bundling - we'll show you both bundled and separate pricing so you can see what actually saves money.
Basic Information
We ask for the essentials only. Your name and contact information so we can send your quotes. Your address because insurance rates vary by location - Gilbert rates differ from Flagstaff rates.
Real Quotes, Real Explanations
Within 24 hours (often much sooner), you'll receive real quotes from multiple carriers. But we don't just send numbers. We explain what each quote includes, what it doesn't, and why prices vary. We'll point out coverage gaps in cheaper options and unnecessary add-ons in expensive ones
Your Decision, No Pressure
If you want to move forward, great - we'll handle everything. If you want to think about it, that's fine too. If you decide to stay with your current insurance, we'll respect that. We might follow up once to see if you have questions, but we won't hound you. No means no, and we respect that.
Common Questions About Getting a Quote
For most personal insurance, we can provide initial quotes within a few hours during business days. Complex business insurance might take 24-48 hours. Life insurance depends on the type of policy and coverage amount. We’d rather be accurate than fast – those instant quotes online are usually wrong anyway.
Not for initial quotes. We can provide ballpark quotes without it. If you decide to move forward with a policy, carriers will need it to check driving records and credit (where allowed by law), but we’ll explain exactly why and when it’s needed.
Every insurance company has different appetites for risk. One might love insuring homes with pools while another charges extra. Some specialize in young drivers, others prefer mature drivers. That’s why comparing multiple carriers through an independent agent gets you better rates – we know who wants your specific risk profile.
Absolutely. Everyone makes mistakes, and there are carriers who specialize in higher-risk situations. We’ll find companies willing to work with your history. Being honest upfront helps us find the right carriers rather than getting declined later.
Do your best with what you know. We can work with estimates and refine the quotes as we get more information. It’s better to start the conversation than wait until you have every detail perfect.
We’re paid commissions by insurance companies when you buy a policy. This doesn’t increase your rate – you’d pay the same buying directly from the company. The difference is we help you find the right coverage and advocate for you during claims.
You have different questions?
Our dedicated support team is ready to answer your questions.
- Phone: 602-584-8591