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Pro: Like other car insurance marketplaces, there are two main reasons to use FirstQuote Auto: to save time and to save money. Whether you’re buying car insurance for the first time or looking to switch insurance carriers, FirstQuote Auto can simplify the process. Quickly fill out the online form on the FirstQuote Auto website and they will match you with the lowest rates from their network of insurance carriers.
Con: Although FirstQuote Auto provides a useful service, the lack of transparency about how it operates is problematic. When you land on the FirstQuote Auto website, all you see is one page where you can begin an application or read up on the basics of auto insurance. There’s nothing there about who operates the site or which insurance carriers it works with. The only way to get matched with a carrier is to fill out an online form – which requires personal information.
Each of FirstQuote Auto’s partners can build a policy to suit your needs, from standard coverage with your state’s minimum requirements to a bigger package that covers all bases. Here are the 6 main types of insurance that FirstQuote Auto partners can accommodate.
Bodily Injury Liability. Covers expenses related to bodily injuries suffered by other drivers when you are at fault.
Property Damage Liability. Covers expenses related to damage of another person’s property when you are at fault.
Collision. Covers expenses related to vehicle repair and replacement if your vehicle is damaged in a collision, regardless of who was at fault.
Comprehensive. Covers expenses for repairs and replacement if your vehicle suffers damage in a non-collision incident such as fire, flood, vandalism, theft, or animal collision.
Personal Injury Protection. Covers medical/rehab expenses for you and your passengers, and some insurers also cover lost wages.
Uninsured and Underinsured Motorist. Covers the other driver’s liabilities if they are uninsured or underinsured.
One of the great things about using a marketplace like FirstQuote Auto is that its partners offer a wide range of add-ons. In car insurance, add-ons are additional features you have the option of adding to your policy for an extra fee. Here are some of the most popular add-ons offered by FirstQuote Auto partner insurance carriers.
Gap coverage. In the event of a total loss, this covers the ‘gap’ between the depreciated value and the money you still owe on your car.
Roadside assistance. Covers emergency assistance for things like flat tyres or being locked out of your vehicle.
Rental reimbursement. Covers temporary replacement if your regular car has to go to the shop due to a covered incident.
Rideshare coverage. For drivers who work for ridesharing platforms like Uber, this extends coverage to when you have passengers.
Equipment coverage. Covers loss or damage to equipment you installed in your vehicle (as opposed to equipment installed by the manufacturer, which comes under standard coverage).
To begin an application for vehicle insurance, go to the FirstQuoteAuto home page, enter your zip code, and click ‘Get Started’. The application is straightforward. Simply enter personal information and vehicle information and wait a few seconds to see your results. FirstQuoteAuto will show you the best carriers for your driving profile and match you with local agents who can complete the process. The whole process is super easy and it really only takes a few minutes to go from requesting a quote to purchasing vehicle coverage.
There’s a lot of confusion among users of marketplaces about who takes responsibility for the claims process. Note: FirstQuote Auto is purely a matching service and not an insurance agent, broker, or carrier. It handles the start of the process, helping you find affordable auto coverage. Once you actually purchase coverage, any accident claims must then go through the insurance agent and carrier that sold you the policy.
FirstQuote Auto is purely an online platform. Unfortunately, it doesn’t offer any customer support whatsoever – not even a phone number or email address.
FirstQuote Auto does only one thing, but it does it effectively: it helps you compare and save on car insurance. The service is free of charge, easy to use, and doesn’t require you to upload any documentation to see rates. In short, FirstQuote Auto is a good place to begin comparing offers for your next vehicle insurance policy.
