Who causes “higher” insurance rates?

Most people will immediately think it is the company.  The company sets the rates and the underwriting standards that you accepted when you signed your contract with them.  The company determines which of your tickets, accidents and claims will have an impact on your rate and for how long. ** Despite what you may have heard corporations are not people and cannot get tickets or have accidents or claims**

Get a free quote…

Seriously has anyone ever paid for an insurance quote?  I mean would you actually call a  1-800 number and pay for an auto insurance quote NO.  Why the heck would you, you are in control.  Without you these companies have no chance of survival so I cannot even imagine a day when you will have to pay for an auto insurance quote.

But despite this I would love to hear from anyone that can go a week without hearing an ad touting “get a free quote.”  Where might you see this offer;