Trustworthy Car Insurance Companies on the Internet

Online car insurance companies are common in the modern industry. Compare online car insurance companies by searching for customer reviews and financial ratings.

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Zaneta Wood, Ed.S. has over 15 years of experience in research and technical writing bringing a keen understanding of data analysis and information synthesis to reach a wide variety of audiences. She studied adult education and instructional technology at Appalachian State University as well as technical and professional communication at East Carolina University. Zaneta has prepared technical p...

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Joel Ohman is the CEO of a private equity backed digital media company. He is a CERTIFIED FINANCIAL PLANNER™, author, angel investor, and serial entrepreneur who loves creating new things, whether books or businesses. He has also previously served as the founder and resident CFP® of a national insurance agency, Real Time Health Quotes. He has an MBA from the University of South Florida. Jo...

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Reviewed by Joel Ohman
Founder & CFP®

UPDATED: Jun 23, 2020

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It’s all about you. We want to help you make the right coverage choices.

Advertiser Disclosure: We strive to help you make confident car insurance decisions. Comparison shopping should be easy. We are not affiliated with any one car insurance company and cannot guarantee quotes from any single company.

Our partnerships don’t influence our content. Our opinions are our own. To compare quotes from top car companies please enter your ZIP code above to use the free quote tool. The more quotes you compare, the more chances to save.

Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.

Here's what you need to know...

  • Insurance offices are becoming obsolete as companies utilize the popularity of the Internet
  • Many established insurance providers use the Internet as a way to easily interact with customers
  • Remember to compare and contrast several insurance companies before settling on one

Finding the right car insurance company will save you hundreds of dollars each year. Many companies charge high rates due to the area you live in or the car you drive.

No matter what your circumstances are, there is a company that will meet your budget while still offering plenty of coverage.

The key to finding the perfect company for you is research. The more you seek out new choices for good auto insurance coverage, the more likely you are to find a reliable company with fair rates.

Be sure to research your options by using the FREE tool above now. Simply enter your ZIP code into the box!

Exploring Your Internet Insurance Options

As the Internet becomes more widely used, many car insurance companies are conducting business solely over their website and phone lines. Insurance agents and offices are becoming less important for these companies.

Some of the country’s most popular companies for this type of service include:

  • Esurance
  • 21st Century Insurance
  • The General Automobile Insurance
  • Amica Insurance

Other companies that are well-established are expanding their online purchasing options to fill in the gaps left by retiring auto insurance agents.

Offering registration and payment through the Internet saves all insurance companies money and allows people in rural areas to secure insurance without traveling 30 or 40 miles to visit an office.

Some people avoid these online insurance companies out of the fear that they are untrustworthy. These people usually feel that only an established company or an agent who has been doing business for decades will provide them with a good policy.

However, this is not necessarily true.

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Choosing the Best Car Insurance Providers

Most online insurance companies are not new endeavors lacking a solid track record. Many have been offering insurance for over 40 years.

For example, The General Automobile Insurance first started in 1963. Other companies are branches of insurance agencies that have been in operation for over 50 years.

They may use a different name than the main company, but they are still backed by the same experience and financial wealth.

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Choosing a trustworthy online insurance company still takes a little work. It is important to check that the company is accredited and licensed to offer insurance policies.

Anyone can set up a website and claim to be an insurance agent, a celebrity, or even the President.

Do some research on the company offering you a good deal by running a simple search on your favorite search engine.

Check the Better Business Bureau to find complaints on the company without searching for multiple sites. Some review websites allow anyone to post without checking if they actually had experience with the online insurance company.

The BBB verifies the customer’s experience, so you know that the complaint is valid and to steer clear of the company.

Not all online insurance companies are qualified to offer policies in all 50 states. Many companies only serve a single state or a region. This allows them to focus on the laws and requirements of a smaller area instead of trying to be a national company.

Check the website of any company you consider for more information on this.

Just because the website provides you with an attractive quote does not mean you can actually get the service in your state.

Compare and Contrast Car Insurance

Before purchasing an online policy for car insurance, don’t forget to gather multiple quotes.

Online insurance companies make this very easy by hosting free, easy quote calculators on their websites while other companies require you to call to get a quote.

Any website that provides you with a quote from just your age and car model will not be accurate.

Look for sites that require more information, including the VIN number of the car and your full name.

This means the company is using real information from the driving record database to calculate the most accurate quote possible.

Consider the amount of coverage that a quote applies for as well. If you recently purchased a new vehicle, the loan company likely requires you to maintain full coverage on it until it is paid off. This ensures that the entire value of the car is returned if it is totaled.

A quote from an online insurance agency that sounds like a great deal may only be for minimal coverage.

Some companies, such as Geico and Esurance, allow you to change the coverage options during the quote to explore different options.

Using an online insurance company allows you to purchase auto insurance online without leaving the comfort of your own home.

Spending a few hours researching the top online providers will help you pick a trustworthy company.

Consider the time spent on research as an investment into saving money over time.

Enter your ZIP code into the FREE tool below to find and compare car insurance rates now!

References:

  1. https://www.esurance.com/
  2. https://www.thegeneral.com/about/
    /
  3. https://www.bbb.org/us/Find-Business-Reviews/
  4. https://www.naic.org/state_web_map.htm
  5. https://www.geico.com/

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Average Monthly Car Insurance Rates by State