Getting Online Car Insurance

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Here's what you need to know...
  • Finding online insurance quotes is an easy process
  • There are many different options for insurance coverage and providers
  • Use the internet to find instant car insurance today

Traditionally, buying car insurance involved setting up an appointment with a local agent and driving to the agent’s office to obtain a quote prior to starting coverage. For many people, finding time to visit an agent can be difficult because of work, family obligations, and other commitments.

Fortunately, obtaining instant auto insurance online is now possible.

Enter your ZIP code in our comparison tool above for instant and FREE car insurance quotes.

Finding Car Insurance Quotes Online

There are two primary ways to obtain auto insurance quotes online:

  1. You can visit the websites of car insurance companies that are licensed in your state. Most state insurance department websites offer databases where you can identify companies that hold valid property and casualty insurance licenses. Once you have identified licensed insurance carriers in your state, you can use a search engine to find and access the companies’ websites.
  2. You can take advantage of comparison sites, which are third party websites that pull rating and coverage information from insurance carrier databases. This approach gives you the ability to compare multiple insurance carriers simultaneously, which can further reduce the time you spend shopping for car insurance coverage.

Both methods can help you lower your auto insurance costs. Rates vary considerably among insurance carriers in most states, so getting quotes from several companies allows you to find the company that offers the best deal.

Gathering Information to Obtain Online Quotes

When you request a car insurance quote online, you will be asked to provide three years’ worth of driving information for each person who will be covered under your policy. The information should include all moving violations, accidents, and license suspensions and revocations.

Having this information ready can help streamline the quote request process and ensure that you receive accurate rate information.

You can obtain driving reports from your state’s motor vehicle bureau if you do not remember the dates of accidents or moving violations.

Having the serial number for each vehicle available helps ensure that you receive accurate quotes. The number is coded with information that identifies the year, make, and model of the vehicle.

The serial number also provides the insurance company with information about vehicle specifications like:

  • Horsepower
  • Safety features
  • Engine size

You will also need the Social Security number for each driver you want to cover. Insurance companies use Social Security numbers to verify the driving history information you provide.

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Choosing Coverages and Limits

During the quote process, you will need to choose the coverages you would like included in your policy package. You will also have to choose limits for some coverage.

Most states require drivers to purchase liability coverage, which protects you from having to pay for injuries and damage to property you cause.

In most cases, you will purchase a per-person liability limit for bodily injury with a higher per-accident maximum. You will also purchase a per-accident liability limit for damage to property.

Some states also allow policyholders to purchase a single limit that applies to both medical expenses and property damage.

You can purchase uninsured motorist coverage to protect yourself against having to pay for medical expenses if an uninsured or hit-and-run driver hits you. Uninsured motorist limits cannot be higher than liability limits for bodily injury.

You may also purchase physical damage coverage. This coverage takes care of repairs to your vehicle after an accident as well as damage caused by weather, fire, and vandalism.

Purchasing Car Insurance Instantly

After you have entered your information, chosen your coverage, and obtained a quote, you can purchase your policy.

Usually, purchasing a policy requires your first installment payment and an application fee. In most cases, you can pay your up-front costs, or you can set up recurring payments so that you will not have to worry about remembering to make future payments.

Once you have made your initial payment, you can typically download your policy documents and print them at your convenience. These documents include:

  • Your policy book
  • Declarations page
  • Insurance identification cards

Buying instant car insurance online is an efficient way to meet your state’s insurance requirements and protect your finances.

Because obtaining quotes is a simple process, you can easily use this strategy to find the best rates. Even if you visit several insurance company websites, you can find low rates and purchase coverage in under an hour.

Enter your ZIP code below now for FREE car insurance quotes!

References:
  1. http://www.naic.org/state_web_map.htm
  2. http://www.ssa.gov/
  3. http://www.mass.gov/ago/consumer-resources/consumer-information/auto-and-vehicle-insurance/understanding-insurance.html
  4. https://www.allstate.com/tools-and-resources/car-insurance/liability-car-insurance-cover.aspx

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