What is the quickest way to get online quotes?

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Joel Ohman
Founder, CFP®https://res.cloudinary.com/quotellc/image/upload/insurance-site-images/ciccom-live/41b5e36b-joel-ohman.jpg

UPDATED: Jun 24, 2017

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Here's what you need to know...
  • Buying car insurance online provides extra benefits such as accessibility and convenience
  • To find the best online quotes, you have to take time to research several different companies
  • Make sure you understand the options and various types of coverage available to buy

Buying car insurance online has many benefits. Online auto insurance companies offer the same products and services as traditional agencies.

Some insurers provide major discounts to those who purchase coverage through their websites.

Before you renew your car insurance policy, go to a price comparison website and compare at least three quotes from different companies.

Looking for FREE car insurance quotes? Enter your ZIP code above in our comparison tool now!

Do Comparison Shopping


Many auto insurance companies operate exclusively online.

If you buy car insurance coverage through the Internet, you can file claims and pay your bills with a few clicks.

Car owners who buy auto insurance online have more options regarding how they manage their policies.

They can chat live with an insurance agent, add other drivers to their policies, and read insurance guides.

When you buy coverage online, you deal directly with the insurance company.

How Car Insurance Quotes Work


Direct insurance providers tend to offer the largest variety of auto insurance discounts and the most competitive rates.

If you want to apply for free car insurance quotes, you will need to visit the company’s webpage or use a quote comparison website.

In both cases you have to provide a few details about yourself including:

  • Name and address
  • Gender
  • Driving record
  • Occupation
  • Income
  • Credit report

Insurance companies determine your premiums based on the information provided.

You also need to decide what type of coverage suits your needs. When you compare auto insurance quotes, you will see that rates vary from one company to another for the same coverage.

By shopping around, you may find that a company’s rate is lower today than it was a few months ago.

When you apply for auto insurance quotes, you are sorted into a rating group based on the details provided. Most companies will give you instant quotes.

Shopping for car insurance online gives you the opportunity to learn about types of coverage and companies that you might have never heard of or considered.

The best part is that you can ask questions online and have the answers delivered to you in a timely manner.

How Much Auto Insurance to Buy?


Before you go shopping for car insurance, make sure you understand the kinds of coverage you can buy.

Most insurers offer:

  • Collision coverage – covers damage to your car when you collide with another vehicle or hit something
  • Comprehensive coverage – pays for repairs or the replacement of your vehicle if it is stolen or damaged in a fire, earthquake, flood, or hurricane
  • Liability coverage – covers any damages or injuries suffered by other people in a car accident for which you are at fault
  • Personal injury protection – pays the medical and funeral expenses of the policyholders, his passengers, and pedestrians struck by his car

Some types of coverage are optional, while others are required by law.

Review your current policy and ask yourself if there’s anything you can do to reduce your rates.

Check the minimum auto insurance requirements in your state.

Free Car Insurance Comparison

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Choose a Car Insurance Company

When you compare auto insurance quotes, look for well-established companies that operate in your state.

Your state’s department of insurance website should provide a list of insurance companies licensed to sell coverage in your area.

You may also choose a national company that operates online or has local offices.

Finding a good car insurance provider requires proper research. Use the following sources to find information about the insurance carriers you are interested in:

  • Personal contacts
  • Better Business Bureau
  • State insurance departments
  • Independent rating agencies
  • Customer review sites

Check the company’s financial strength ratings and customer complaint ratios.

With proper research, you can find a car insurance policy that offers great coverage at a reasonable price.

Enter your ZIP code below to receive car insurance quotes fast and FREE!

Free Car Insurance Comparison

Compare quotes from the top car insurance companies and save!

 Secured with SHA-256 Encryption