Frequently Asked Questions about Cheap Insurance Online

Find the answers to the most commonly asked questions about cheap insurance online below. We'll explain the kinds of coverage our insurers provide and how the payment of premiums works.

What types of insurance coverage do you offer on this site?

We can offer you quotes on health, homeowners, car, and life insurance policies. Our insurers can also provide you quotes on more specialized types of policies, such as renters insurance. Our affiliates can provide you with cheap insurance online no matter what your coverage needs are.

How often do I have to pay my insurance premium?

The frequency of your payments will depend on your insurer. Some insurers require annual payments of the full premium amount, while others allow policyholders to pay semi-annually or even monthly. When you shop for cheap insurance online, research your potential insurer's payment options to verify that they accommodate your needs.

How can I find cheap insurance online?

You'll have to compare several different policies in order to find the most affordable insurance coverage. Typically, finding cheap insurance online requires you to evaluate at least three or four quotes from different carriers. One way to do this is to sign up for free policy quotes with us. We'll take care of the quote retrieval for you, so all you have left to do is compare policies and make your decision.

When should I cancel my current policy?

If you have an existing insurance policy and purchase new coverage, you should not cancel your policy until your new coverage takes effect. When you contact your insurer to cancel your coverage, you will provide an effective date for the cancellation that should coincide with the start of your new coverage. Some insurers require policyholders to cancel their coverage in writing, so make sure you discuss cancellation procedures with your insurer beforehand.

If my assets aren't worth much, do I still need insurance?

Yes, even people with modest amounts of assets can still use cheap insurance online. For example, a car insurance policy is required by law in almost every state regardless of the policyholder's net worth. Similarly, health insurance coverage is especially important for people of modest means because it offsets the usually high cost of medical care.

What are the advantages of going through an insurance agent or broker?

You won't be able to find cheap insurance online through an insurance agent or broker, but you might still be able to get a reasonably priced policy. Insurance agents and brokers are ideal for consumers who have complex coverage needs and/or very little knowledge about the insurance process. On the down side, agents and brokers work on commission, so consumers often get talked into more coverage than they really need.