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Buying car

What if buying a car were like buying car insurance?


You pull up to the dealership anxious to see, touch, feel, smell and drive the new vehicle you have your heart set on buying, only to learn that you can no longer do any of these things. Yes, the famous test drive is out the window, you can’t even see what you’re about to buy.

Are you wondering what’s a fair price for car insurance? We make it understandable. Click the button below to use our car insurance calculator.


In our new virtual world, seeing isn’t everything. Let’s talk specifications.

That’s okay. We saw the pictures online. Let’s move on to the specifications. The billions in advertisements already too you this is the best. Now you just want to confirm that’s the case. You ask if the car gets at least 35 miles per gallon city and 50 on the highway, only to learn there are no independent agency ratings for miles per gallon. Nobody knows. How’s this possible, you wonder? There are over 250 million cars and trucks on the road, and nobody knows the gas mileage of any of them?

All right, well the warranty must be good; otherwise the company wouldn’t spend so much money on TV ads telling consumers how safe and reliable they are. You proceed to ask if it has a 4-year 50,000-mile warranty, or if it’s better than that? The answer that comes back is shocking. The only guarantee is that there is a maximum amount that will be paid. No other details are available.

You also learn there is a list of exclusions buried somewhere in the paperwork that necessitate hiring an attorney in order to fully understand them. Worst of all, it is the automobile company, that at its sole discretion, decides if whatever you report wrong with the car in the future is covered by the vaguely worded contract you’ve been handed. Furthermore, if the cost to fix the car is more than the maximum limit of the warranty (one of the few terms spelled out in black and white), the additional cost is on you.

Fortunately, Buying a car isn’t like Buying Car Insurance

The description above was all a bit tongue in cheek. The reason, because this is exactly how we buy car insurance. Such a business model obviously would not work for any discretionary purchase and is only possible for two reasons:

  • Law mandates all drivers buy car insurance
  • The industry is opaque

That’s all changed with ValChoice. We provide the transparency consumers need. For example, find out the best car insurance companies in each state. Just click the button below.


If ever there were an industry in desperate need of a grading system, helping consumers understand what they are buying and agents to understand how good the product they are selling actually is, it’s insurance.  The industry needs technology companies to revolutionize the consumer insurance experience. Developing systems that help consumers is what companies like ValChoice are doing. For the good of both consumers and insurance companies, buying car insurance should be like buying a car.


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