How to Shop Online for Car Insurance

Shop online for car insurance by reading customer reviews, checking financial ratings, finding hidden discounts, and comparing car insurance quotes online from multiple companies to get the best deal. Enter your ZIP code below to start comparing quotes now before you buy an online car insurance policy.

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A former insurance producer, Laura understands that education is key when it comes to buying insurance. She has happily dedicated many hours to helping her clients understand how the insurance marketplace works so they can find the best car, home, and life insurance products for their needs.

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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: Aug 16, 2021

Advertiser Disclosure

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...

  • Web sites like ours that provide auto insurance quotes from multiple companies will make shopping online easier
  • Do your research, even after purchasing auto insurance; you may save additional money by adjusting your policy along the way
  • Take advantage of discounts and see what you qualify for

It’s now possible to find cheap auto insurance policies that suit the requirements of every customer through an online car insurance policy. There are no two answers about whether you need car insurance or not.

It’s illegal to drive around without keeping your insurance documents in order. Plus, it’s so easy to find coverage online, why not take car of it right now?

Just like any other product, shopping for car insurance is an interesting proposition. Mainly, because one doesn’t have to leave home or office in search of the best insurance policy.

There are thousands of insurance policies that can easily be browsed through with the help of our free online quote comparison tool. Enter your ZIP code to save today.

Choosing the Best Online Car Insurance Policy

A smart insurance buyer will shop around online until they are fully satisfied. After all, it’s not hard to look around online to find the policy that suits one’s budget.

There are different types of car insurance policies based on single car insurance, multi-car insurance, and insurance for an organization as a whole.

Instant online quotes are available and these help the buyer to understand and make comparative notes on various policies. It’s a straightforward and honest method and when one logs onto an authorized website, the job is done much faster and easier.

Almost all the insurance providers in the U.S. have their own websites, making comparative study easy.

To make this job several times quicker, there are websites, like this one, that offer car insurance comparison quotes from hundreds of insurance companies and you can choose from any one of them.

Going through different companies and collecting their quotes for comparison will be a little bit time-consuming. Most companies have an additional option of saving insurance quotes so they can be analyzed for further reference.

Shortlist companies from the jungle of companies out there in the insurance sector. Car insurance is a highly competitive and rewarding industry; the price of policies is the driving factor.

Insurance companies fall over each other to offer the best policy and this has proved beneficial to insurance buyers.

Here are certain factors that one can consider before settling on a policy:

  • Insurance can be awarded to a single owner of a single vehicle or to multiple drivers of a single car. Families owning more than one car will look out for policies that include a multi-car policy.
  • Buying a policy online is rewarding. It takes a little more than 15 minutes for a logged in user to make an online purchase of car insurance. Purchasing car insurance in this manner is less frustrating and instantly gratifying.
  • Insurance companies impose certain restrictions on a number of claims they have to pay for the victims of an accident. Insufficient funds happen when the driver is underinsured.
  • There are certain additional options a person can buy which are not counted within the state’s minimum. Buy them only according to the assets possessed.

You can also look at 20 interesting car insurance shopping trends to see that more people are shopping online for car insurance and they are happier doing so too.

Free Car Insurance Comparison

Enter your ZIP code below to view companies that have cheap car insurance rates.

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Saving on an Online Car Insurance Policy

There are several ways, even after comparing rates with an online tool, to increase your insurance savings. Try these methods:

  • Purchase home insurance along with car insurance. There are companies that offer a hefty discount when one does it that way. Identify such companies and buy policies from them.
  • Review, monitor, and adjust the insurance policy regularly, this simple practice can save hundreds of dollars.
  • Pay those insurance premiums as a lump sum amount. Monthly premiums can be a little taxing on the wallet.
  • Raise the deductible if possible to reduce the comprehensive coverage and collision premiums.
  • There are different kinds of premiums for different drivers such as teens, seniors, and married individuals. Before purchasing a policy, read through it carefully and make sure it fulfills particular requirements.

Tips for Finding an Online Car Insurance Policy

Here are some pointers to help you take full advantage of the car insurance comparison tool on this page:

  • Be Honest — Accurately fill in the questionnaire that is presented during the purchase of a policy. Answer questions about driving honestly and if one is a safe driver, there will be definite benefits.
  • Anti-Theft Device Discount — Mention all the security features that are installed in the car. Insurance providers love to sell a policy to a car that is well looked after. The type of anti-theft devices in the car will reduce the premium one has to pay.
  • Talk to An Agent — There is some kind of commitment that is formed when one gets direct quotes from an insurance agent or a provider.
  • Good Credit — Insurance companies conduct background checks of the drivers applying for insurance. So make sure the information given out is relevant and accurate. Keep the credit history clean.
  • Large vs. Small — Injury claims are the lowest for large vehicles. Small cars are subjected to more collisions and accidents.
  • High-Risk Vehicles — Sports cars, fancied by all, have the highest premium rates. Sometimes they cost two to three times more than ordinary cars.

Use the advice above to find and evaluate an online car insurance policy that will meet your needs. Simply plug your ZIP code into our free online quote tool and start comparing car insurance quotes today.

Free Car Insurance Comparison

Enter your ZIP code below to view companies that have cheap car insurance rates.

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