How To Buy Auto Insurance Online – A Step-By-Step Guide

Last Updated on December 6, 2019

It is a fact that many are spending much more than necessary on car insurance simply because they do not take the time to shop for different quotes before purchasing car insurance. If you are a new motorist looking to insure your car or if you already have car insurance but wish to slash your bill and save money, consider getting several online car insurance quotes and compare prices before you commit to buying any policy, regardless of whether you’re going to buy car insurance online or if you’re just using online quotes as a comparison tool. You will be surprised at how much you can save by doing this – in both time and money.

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How To Buy Car Insurance Online – A Guide From Insurance Panda (Image source FLICKR)

Almost every insurance provider today allows insurance shoppers to get online car insurance quotes without making them feel obliged to purchase the insurance. If you wish to get the best deal on car insurance, get as many quotes as you can from different companies and compare them to enable you choose one offering the best coverage at the most competitive price. Compared to the rates offered by insurance brokers in your area, when you do get online car insurance quotes you will likely find that many are by far cheaper than the ones you are used to. After all, the competition over the Internet is actually becoming fiercer by the day which means companies are searching for ways to attract your business to them. In short, you can get great value for the same coverage online.

Getting Car Insurance Coverage Online

With online insurance quotes, you can now spend most of your time comparing quotes instead of having to spend weeks on end just to ask for quotes from insurance providers in your area. However, there are a couple things to keep in mind before you start insurance shopping online:

  • Insurer Ratings -When you compare car insurance quotes make sure that you pay attention to the rating of the insurer. You don’t want to end up dealing with someone who is not fully licensed to offer car insurance policies even when their deal is just what you are looking for in terms of cost. You can check their insurer ratings by visiting the insurance department in your state to obtain a list of licensed insurers. Check out AM Best for ratings and to learn details about what a rating means.
  • Use a Comparison Website – If you want to compare car insurance quotes faster then make use of comparison websites. There are quite a lot of them online. With these comparison checker sites, you will be able to compare several insurance policies faster compared to having to visit various car insurance companies to obtain quotes then manually comparing them which can be time consuming.
  • More Information – If you feel as if you are lacking knowledge in terms of car insurance and you’re afraid to ask the insurance broker because it might show them fresh prey, you can take to the Internet to search for more data on car insurance. Simply type in what you want to know about car insurance in the search engine and wait for the results. This way, you won’t be shopping blind for auto insurance.

When you find the sites and insurers you want quotes from, the main information you’ll want to have handy includes:

  • Personal information such as age, gender, credit history and driving history. Your personal information will be kept secret by the insurance company so feel free to list down anything that they require of you.
  • Vehicle information: such as make, model, age of the car, mileage, safety gadgets and its current condition. Car insurance companies take stock of what you are trying to insure so it best that you be accurate with the details you provide when trying to get online car insurance quotes.
  • Coverage information: In addition to supplying what coverage you have now, including basic coverage, familiarize yourself with what other optional coverage types you may want to add to a policy, such as collision coverage and comprehensive coverage among others. It is important to know what you are looking for if you don’t want to spend your time searching for online car insurance quotes that you don’t really need. Remember, online you can always start over and play around with things until you find exactly what you want.

Once these things have been given to the insurance provider, they will be able to create online car insurance quotes that fit perfectly with the kind of information you have given. If you want to get god online car insurance quotes you need to supply correct information at all times. Most car insurance companies do check their client’s information to determine if it is accurate or not.

After you have received online quotes, you can start comparing them. Instead of having to manually check one insurance quote with another, simply use a comparison checker online where your quotes can be matched with others in the market. From there, any options you’re considering can be narrowed down even further.

When you compare car insurance quotes, look at the fine print carefully. Some may be similar in terms of price but differ in the coverage they are offering. Even the smallest details can make a big difference when you compare car insurance quotes. There is nothing wrong in taking your time when comparing quotes. It’s for the protection of your vehicle, you, your passengers, and other drivers on the road that you’re buying, so don’t feel pressured into buying something if you don’t understand what coverage you have or don’t have or if you don’t feel right about the price.

There is no doubt that car insurance is one of the most sought after necessities in life nowadays. Since a lot of people require personal transportation wherever they go, protection on the road is a must. However, this doesn’t mean that you will have to devote your entire day or week just to visit the offices of several insurance companies around your area. That snazzy laptop and iPad of yours isn’t just about Tweeting to your friends what you had for dinner: you can put the internet to work for you too, because although technology may become more advanced, one thing remains true: time is money. 

James Shaffer
James Shaffer James Shaffer is a writer for and a well-seasoned auto insurance industry veteran. He has a deep knowledge of insurance rules and regulations and is passionate about helping drivers save money on auto insurance. He is responsible for researching and writing about anything auto insurance-related. He holds a bachelor's degree from Bentley University and his work has been quoted by NBC News, CNN, and The Washington Post.
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