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Online Insurance Deals

An easier way to compare rates online

Insurance for American patriots, by American patriots.

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Don’t be deceived by multiple quotes on your screen.


In today’s day and age, one would think that you could go onto a website and quickly get quotes on your screen from multiple carriers. The fact is that insurance companies won’t release their live data to anyone. If you visit a site and claim otherwise, they are just trying to deceive you. Even Google recently tried to work with the insurance carriers to provide accurate quotes in real-time. Rumor has it. The carriers would not share their live data for fear that Google would learn how to sell insurance and no longer need them.

We use a combination of historical data and our proprietary real-time carrier ranking solution to match you with the carriers you are both qualified for AND the carrier that will most likely give you the best rate.

Read on for more info or click on “Get A Quote” and start saving on insurance today.


TIP: Did you know the time of day you request a quote can affect your rate? Our data shows a 17% lower rate for customers that submit a quote between 8 am and 5 pm Monday-Friday.


How insurance companies define you as a customer


Insurance companies break down every customer into three basic profiles. Unfortunately, there isn’t a standard terminology for these classifications, so we will call them Standard, Non-Standard, and Not Currently Insured.

A standard customer is the one that will get the best insurance rates. They are currently insured with another company and have not received any ticket or other moving violations. Nor have they been in an accident, even if not at fault. These customers will usually qualify for the best rates from the best companies in your area. Insurance companies constantly change their rates, so whatever was the lowest six months ago might not be the best deal today. Our algorithm is constantly updating in real-time, so it’s best to check back from time to time and see if a new result pops up for you. You never know.

A nonstandard customer is a step back from a standard customer. When you fall into this category, you still have lots of options. Before I talk about that, let me tell you what got you here. This profile is someone who pays their bill on time and has had continual coverage over the last several years. However, they were in an accident or possibly got a speeding ticket. Something in your past, or it could even be the type of car you have, signals a warning flag as being a higher risk to insure. Every insurance company’s goal is to make as much profit as possible from you. One of the best factors they have is to minimize risk. Even if you disagree with it, history has a  way of repeating itself. The numbers don’t lie.

Now, you still have many options. They are just much harder to find. If this is you, then you will love our service. Some carriers are high-risk carriers, and their rates reflect it. These carriers LOVE to get nonstandard customers because the acquisition cost is much lower. In addition, most customers with a “history” are used to paying a higher rate. Not because they want to, but because they do not know any better. Hopefully, you’ve read this entire article. You have stuck with me because the low-risk carriers will write nonstandard customers as long as they fall into their guidelines. For example, Geico might accept anyone with no more than one accident and one ticket in the last two years. Progressive might take anyone with no more than two tickets but no accidents in the previous two years. This fictional example is just a simplified illustration of a more complex set of evolving rules, but you should get the idea.

We consider all the variables in your profile and repeatedly match you with the best insurance carrier for your needs. Regardless of your past, we can help match you with the best coverage at the lowest rate. To the currently uninsured customer, let me say in advance that I’m sorry. Not being insured sends off a significant warning to insurance carriers, and only specific high-risk carriers will even offer coverage. Why? Because there are two critical reasons why a person does not have insurance.

First, you don’t have insurance because you are a new driver or only recently purchased a vehicle for driving full time. Inexperience plays a role in a person’s ability and judgment. Granted, an inexperienced person could have more knowledge than someone with lots of practice. However, this tends to be the exception other than the rule. No insurance company will care about your ability because there is no way to gauge it.

Second, customers are currently uninsured because they didn’t pay their bills. Stuff happens. I get it. However, as soon as you show a tendency not to pay your bills on time, your rates will suffer. Every carrier will require a credit check before issuing a policy. You can get a quote without a credit check, but you can’t get bonded coverage without one. If you read the fine print of any online insurance quote you receive, you will see what I mean. Some carriers are competitive in this segment, and we know who they are in your area. We can always find you coverage and always for the best possible rate. Please be honest when you build your profile.

Long story short, let us match you up with the right companies for your specific situation.


We can help by building your profile.


Rates vary wildly based on location. Insurance carriers use every tool available to determine how much risk you will be at as a customer. One of the most confusing aspects is how a carrier writes coverage in America is geolocation. For example, Florida and California residents have difficulty finding competitive homeowners insurance due to hurricanes and earthquakes.  Beyond the state restrictions, urban areas tend to see higher rates due to crime, and rural areas tend to have more fatal accidents due to wild animals. Every location is unique, and no two zip codes will give the same result. Simply moving across town could affect your rates more than you think. It’s always best to get a quote for every coverage type before moving across the state.

How many times will I get a call? We will never be that company that merely sells your data thousand times over. We are here to establish a brand and disrupt the insurance industry. We can’t do that unless we specify a rapport with you and help you achieve a positive result without frustration. Your satisfaction is our number one concern. And with that comes yet another formula to determine when to give you 1, 2, or even three offers. We take your profile and closely match it with recent and historical data. We will know exactly where you can get the best deal. However, sometimes that is a toss-up among several carriers, and you should get multiple quotes to determine a winner. There is only one clear-cut winner for your situation, car type, and zip code. The only way to find out is to check. Remember, you will get the best rates if you submit Monday-Friday 8 am-5 pm in your local time zone.


Now that you have a profile


Every carrier’s objective is to sell your insurance at the highest possible premiums. The only way to save is by visiting every carrier available in your state. Unfortunately, this would take forever, and you would have to fill out their form repeatedly. We help save you time by knowing the industry and working with only the best. It wouldn’t be a good experience for you to get a rate from a carrier who isn’t competitive and does nothing to strengthen the Insurance Quote Deals brand.  We don’t send your data directly to the carrier without first checking with them. We send them your profile without any contact information, and they will score it and return it to us within seconds. We do this process in real-time for you, and we only match you once their data is confirmed.

Another problem is that every carrier has different guidelines for insurance, and it could vary from one street to the next. So while your neighbor might have the lowest rate from State Farm, your best rate could come from Farmers insurance. There are hundreds of options available to you, and we understand how frustrating it can become. Let Insurance Quote Deals simplify the process for you.

We at Insurance Quote Deals have worked with all the major carriers for years and have been steadily compiling data and following all the market trends to saving you time and money on your insurance needs. We specialize in providing online insurance quotes in real-time and understanding the market.

All the information we ask you for is critical to providing you with the best possible rate. We only ask relevant questions that will affect if you qualify with a specific carrier. Once we know what carriers you are qualified for, we pass on your details to the top insurance carriers that will provide you with an insurance policy. Once you fill out our form, we will save your information securely and have it ready for you when you return to get a quote from a different carrier or even get a quote for another insurance type. We are the only online insurance quote system to offer 20+ insurance types and the only site you will ever need to get the best insurance deals online.

Zero time wasted on your part. We’ve already done all the legwork. So let us help you find your best deal on insurance today.



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