Home » Insurance » Auto Insurance » Auto Insurance Online

Auto Insurance Online: Things to Consider Before Applying

Updated: December 4, 2018

When buying auto insurance online, it is important for shoppers to consider the elements that make up a good policy.

In addition, car insurance buyers must understand how the different types of insurance they get can impact their premium rates.

Cheap auto insurance is available online through many companies, with discounts available for various factors.

The best way to get a good deal is by browsing through all the insurance options in your state before making a final decision.

It is very rare to find the cheapest auto insurance deal from the first one or two companies that provide you with a quote.

Buying Auto Insurance Online

Buying auto insurance online is a little different from going to a store in person. For one, it is a little harder to talk with an agent about your specific concerns regarding an insurance policy. However, it is also much easier to get various quotes for comparison purposes.

By filling out forms at many different auto insurance companies, a customer has the best chance of getting the cheapest auto insurance available.

Most major companies ask insurance buyers to enter their information on the relevant website. By entering details such as age, car model, income and the state of residence, a car insurance company can email specific quotes to the individual.

By filling out forms at many different auto insurance companies, a customer has the best chance of getting the cheapest auto insurance available.

This is very easy to do when buying auto insurance online, because all the quotes arrive through email. There is no need to visit different physical locations to get this information.

Getting instant auto insurance quotes is very useful, but it is important to use this information wisely. Do not agree to the first quote that appears cheap. It is better to conduct a thorough car insurance quote comparison before making a final decision.

How Are Cheap Auto Insurance Rates Determined?

When making the car insurance quote comparison, it is helpful if buyers know what factors are determining the rates offered to them by various companies.

There are a number of factors that can alter the car insurance quote given by a company.

There are a number of factors that can alter the car insurance quote given by a company. For example, the individual’s driving record, location, gender and age play a factor in the price.

In addition, the marital status, prior insurance and model of vehicle can increase or decrease a policy’s price. Finally, the type of coverage someone wants will also determine how much they are paying.

If someone is living in a big city with busy traffic, they will probably have a higher premium than someone who resides in rural areas. This is because urban insurance holders generally file more claims than their rural counterparts. In addition, a driving record littered with accidents means you will get quoted higher premiums.

Generally, older and less expensive vehicles are going to be cheaper to insure. Sports cars are particularly expensive, because their drivers get into more accidents and the replacement parts are much more expensive than those of regular vehicles.

What is Included in Auto Insurance?

When looking for auto insurance online, it is important to understand that there are a number of elements that make up a car insurance policy. The first part of any insurance policy is liability insurance. This coverage extends protection for the vehicle and its passengers that is involved in an accident but not at fault.

Collision coverage ensures that your own vehicle is covered in case of damage from accidents that are your fault.

Auto insurance policies can also include comprehensive and collision coverage. When you receive instant auto insurance quotes, see if these policies are included in the quoted price.

Collision coverage ensures that your own vehicle is covered in case of damage from accidents that are your fault. Meanwhile, comprehensive coverage protects against damage that is occurred when the vehicle is not being driven. For example, if someone vandalizes the vehicle, comprehensive coverage means the insurance company pays for the repairs.

Aside from these major types of policies, there are other add-ons depending on the customer’s preference. Some people like to add uninsured/underinsured motorist coverage, to protect themselves from drivers who do not have adequate insurance.

Add-ons such as death benefit, extended medical expenses coverage and roadside assistance are also available when buying auto insurance online.

How to Get Cheap Auto Insurance

There are many ways to get the cheapest auto insurance policy. For anyone who wants cheap auto insurance, there are discounts available at most companies.

Decide what types of coverage you absolutely need and go from there. If you can do without comprehensive and/or collision coverage, you will probably get much lower monthly premiums.

When buying auto insurance online, ask the company about their discounts for a good driving record, low annual mileage on your vehicles and other factors. Some companies also lower premiums over time if the insured never gets into an accident or files a claim.

It is crucial that customers take a good look at the different quotes offered by companies when trying to find the cheapest auto insurance. For example, one quote may be $600 a year, while a second quote is $1000 a year. On the surface, the first quote is much cheaper. However, the second quote may include comprehensive or collision coverage, while the first quote is only for liability coverage.

Decide what types of coverage you absolutely need and go from there. If you can do without comprehensive and/or collision coverage, you will probably get much lower monthly premiums.

Another way to drive down the monthly cost of insurance is by asking the insurance company for an increased deductible.

Pros and Cons of Auto Insurance Online

There are many reasons to try and get auto insurance online. The biggest advantage is that you can easily compare quotes from different companies. Instead of having to visit each company’s office, you can get their quotes sent to your email where you can view them at any time.

The downside to buying auto insurance online is that you may not have the chance to converse with an agent in detail.

There is often less pressure with committing to an insurance quote online. When you visit a company’s office, or have an agent come to your home, you may feel under pressure to sign a contract even if you are not completely ready.

The downside to buying auto insurance online is that you may not have the chance to converse with an agent in detail.

While you can always email a company your questions, or call their customer service number, it is not the same as speaking with an agent face to face.

Ultimately, the ability to get immediate access to 10 or 20 different auto insurance quotes outweighs all the negatives. This is why a lot of people prefer to get their auto insurance online.