NLIC.org

Herman Said:

Car insurance help?

We Answered:

Unless you are used to reading policies, it's not a good idea for you as an amateur to try reading policies to compare coverages. Most companies do NOT list their policy forms online, so you'd have to get the quotes first, then ask the carriers to mail you a copy of the policy.

"Third Party" isn't a coverage. Again, amateur lingo is best interpreted and defined by a long sit-down with an agetn licensed in your state.

You will most likely NOT find a do-it-yourself policy analysis website, as things vary too much from state to state.

One more warning - any quote that you get on an online rating site, isn't "valid". In other words, once you decide to go with that policy, THEN they "verify" the quote with credit check, motor vehicle record check, accident history verification, vehicle id verification, and licensed household member check, and most of the time you will be up-rated. In other words, it's kinda a waste of time.