Online Shopper Car Insurance Discounts

Online shopper car insurance discounts are offered to drivers who save insurance companies time and money by shopping online. Companies like Progressive and Esurance offer online shopper car insurance discounts.

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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: Jan 22, 2021

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Here's what you need to know...

  • Shopping online for car insurance could help you to identify the best rate on car insurance and qualify for a special online shopper discount available through some providers
  • Online shopping may help car insurance companies reduce their overhead, and some providers pass this savings onto drivers
  • A provider that offers an online shopper discount may not always offer the absolute best price on car insurance, and drivers should actively compare all aspects of a quote before deciding which policy to purchase
  • Some companies that offer this discount are Progressive and Esurance

There are many ways for drivers to shop around and compare auto insurance rates. Some drivers will request new car insurance from a few providers by calling the companies directly, and others will use the professional services of an auto insurance broker.

Another idea is to shop around for new car insurance rates online. Shopping this way may save you time and effort, and it also may qualify you for an online shopper discount in some cases.

Shop online today by entering your zip code into our free car insurance comparison tool above.

What It Takes to Get an Online Car Insurance Quote

Getting car insurance quotes online is a fast and easy option to consider, and you should ideally request quotes from at least three or four well-chosen providers in order to locate a great deal on your coverage.

If you are thinking about comparing quotes online, you may want to request quotes from a company that offers an online shoppers discount to save as much money as possible on your car insurance premium.

When requesting online quotes for coverage, you should be prepared to provide each company with the following information:

  • The year, make, and model of your vehicle
  • Your vehicle’s VIN
  • Information about your previous car insurance policy
  • Your desired coverage types and limits
  • Your residential address
  • Personal information, such as your address, birth date, and driver’s license number

When you spend a few minutes gathering together these details before requesting online quotes, you can more quickly and easily complete quote request forms from top insurance companies.

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Why This May Be the Best Way to Shop for New Insurance Rates

Shopping online for rates may help you to save money on car insurance through an online shoppers discount available through some providers.

More than that, it may be faster and easier to type information into a form directly rather than try to relay the information to an insurance agent over the phone.

In fact, you may find that it takes half the time or less to complete an online quote in many cases. With this extra time, you may decide to shop around to even more providers to expand your search for the best rate possible.

An online shoppers discount and other related discounts on car insurance may remain in place until your policy renews, but some discounts will remain in place for the entire time you have active coverage with the same car insurance company.

Nonetheless, many factors that influence car insurance rates can change over time, such as your car’s value, your credit rating, or your driving record.

Getting quotes from reputable car insurance companies every six months will help you to find the best rates on car insurance currently available.

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Why Some Car Insurance Companies Offer an Online Shopper Discount

You may be wondering why some companies offer an online shopper discount. When determining your car insurance rates, auto providers must estimate their administrative costs associated with all aspects of the policy.

When you request a quote for car insurance over the phone, the insurance company’s paid staff members are actively working to generate a quote for you, and this can affect their overhead associated with generating the quote and setting up the coverage.

On the other hand, when you request a car insurance quote online, you are manually typing in your quote details and submitting them directly into the system.

No agents are involved in the process, so the insurance company’s overall administrative cost associated with generating the policy is reduced.

Car insurance companies may pass this savings onto you in the form of an online shopper discount, but this discount is not offered by all providers.

You should be aware that savings administrative fees may also be passed along to you in other ways. For example, if you bundle y our coverage or insure multiple drivers or cars, you may save money on car insurance through special discounts available through some providers.

Opting for paperless billing, automated payments, or paying your premium in full may also qualify you for a discount for a similar reason.

How an Online Shopper Discount Can Help You Get Coverage

The most affordable coverage type that you can choose from is usually liability insurance, and this is the type of auto insurance that is often required by law.

However, some drivers also must purchase comprehensive or collision insurance in order to comply with their auto lender’s requirements.

Even when this coverage is not required, it offers true benefits for most drivers by paying for your own expenses for auto repairs and more if you need to file a claim.

The more coverage you buy and the higher your limits for each coverage type, the more expensive your auto insurance premium may be.

An online shopper discount is just one of many car insurance discounts that you may qualify for that can offset the cost of your coverage and help you to pay for the full amount of coverage that you truly need.

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

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Other Auto Insurance Discounts to Look For

Remember that the online shopper discount is one of several dozen unique car insurance discounts offered by various insurance companies.

If you want to maximize the savings available on your auto insurance policy, you should take advantage of as many discounts as possible. A few of the other car insurance discounts to look for while you are shopping online are for:

  • Having a safe or clean driving record
  • Having specific safety features in your vehicle
  • Driving infrequently
  • Being a full-time student and getting good grades
  • Being a military professional or veteran
  • Being retired or a senior citizen

Shop Online for New Rates Periodically

Smart drivers will schedule time in their calendar to shop for new car insurance rates approximately every six months. This comparison will help you to identify potentially lower rates that may be available through some providers.

When you shop online with some providers, you can qualify for an online shopper discount to save money on your insurance cost. Look for this and other types of auto coverage discounts to maximize savings.

Compare quotes today by using our FREE rate tool below. Enter your ZIP code to begin.


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