Finding Online Car Insurance Quotes

October 23, 2017 · Posted in General Articles on Car Insurance 

The easiest way to find auto insurance is going to a comparison shopping website for car insurance and getting multiple car insurance quotes in one place. But, when getting multiple estimates from a variety of companies make sure you understand what coverage you are getting. Make sure you compare apples to apples.

The biggest benefit of using a website, is that you have to enter your information only once. The service provider then will search for the different insurance plans of different providers and hopefully serve you the best quote they could find.

Unfortunately in many cases all you are getting online though are just estimates. Later when you actually are trying to buy the insurance, you might be surprised by the actual premium.

Often Insurance companies will simply quote the best possible price they can find, just to get you to choose them. They well know that once you decided to go with one company you are unlikely to stop in the middle of the process, even if suddenly your premium is $20-30 more per month.

Insurance is mandatory in every state and every state has different requirements. You should make sure that the comparison website is taking that into account. Even though, most sites are sophisticated enough today, so you don’t need to worry too much about it. Just be aware!

The coverage you are buying should always be related to the value of the car you are insuring. If you are driving a car that is worth $3,000 it might not be the best idea to buy comprehensive coverage for $1,500 a year. Choose the coverage that fits your vehicle and your lifestyle.

The next thing to consider is whether your coverage includes under insured and uninsured motorists. As mentioned, each state has minimum requirements for coverage amounts.

Without under insured and uninsured motorist coverage, you might end up paying for your damage yourself if you have an accident with a driver that doesn’t have insurance.

While nobody wants to pay for too much for insurance, you want to make sure that you have the right insurance. Not having the insurance that fits your needs, can cost a lot more in the long run.

The big disadvantage of shopping online for car insurance is that you don’t have a person to talk to. Especially when it comes to discounts. If you don’t ask for them, in many cases you won’t get them.

Some take into consideration the mileage you drive per day or annually. Always ask this question because most insurers automatically assume you are driving the maximum number of miles allowed by your policy.

Inquire about your deductible payment and find out the increments you can raise your deductible for your policy. By increasing the amount you pay out of your pocket for repairs in case of an accident, you can definitely lower your premium.

When getting car insurance quotes online you took the first step in finding a better insurance. But make sure that you took all your needs into consideration before you buy.


Car Insurance Search


Leave a Reply

You must be logged in to post a comment.