How to Buy Car Insurance Online for 2022
If you’re used to the old ways of finding cheap auto insurance, it may be time to change your approach. The best way to find cheap car insurance and the lowest annual auto insurance rates is to shop around and compare car insurance quotes. The most efficient way to get detailed quotes in a short amount of time – and at your convenience – is to shop online. If you’re considering renewing your current auto insurance policy or looking at new car insurance companies, and you’re reasonably comfortable shopping online, we’ll show you how to get started.
How Do I Buy a Policy Through an Insurance Company Website?
There are tons of auto insurance companies that operate on a national scale, and even more that offer insurance to specific regions or areas. While shopping around is a crucial step to finding the best and most affordable car insurance coverage for you, it’s also important to keep your search manageable. Our Best Car Insurance and Cheapest Car Insurance rankings can help you figure out which companies are most likely to suit your needs with competitive insurance rates, so you can start there when you’re ready to look for auto insurance quotes.
Every motorist looking for new insurance coverage should get some information together. For each insurer on your list, the company’s online quote tool will ask for your zip code, age, and driver’s license number for the drivers in your household; information about the vehicles your household owns or is planning to buy (such as year, make, model, and VIN); and driving record information for each member of your household. These questions give insight into the formulas insurance companies use to generate quotes and set auto insurance rates, so the process will be similar for each insurer you consider.
Keep in mind, too, that most insurance companies offer various discounts, such as bundling with renters insurance, or a discount for having a new vehicle. Though you can get an idea of which discounts are available while you’re researching each site, these discounts might not factor into your initial online quote.
It will also be helpful to know what kind of coverages at what levels are included in your current policy, such as liability coverage, uninsured motorist coverage, comprehensive coverage, collision coverage, and other add-on coverages. You don’t want to be swayed by what seems like a cheap premium only to find out too late that it’s much less insurance coverage than you had before.
Can I Buy Auto Insurance Through Other Sites, Too?
Some auto insurance websites allow you to input your personal information and get a bunch of quotes at once. While you won’t be able to get car insurance quotes from anywhere – online, by phone, or in person – without sharing relevant information, quote comparison tools let you see quotes from multiple insurers quickly and easily by sharing your personal info. If you are interested in the quickest quote comparisons or want to ensure all your bases are covered, quote comparison sites are a great tool and can lead you right to the cheapest company for you so you can set up your new policy.
Pros and Cons of Buying Car Insurance Online
You can get online quotes at your convenience, whenever you want.
Online quotes are quick and may take just a few minutes.
Online-only policies may be cheaper since there are no agent fees or commissions.
Online quotes may be confusing if you aren’t tech-savvy or don’t understand car insurance.
Quotes are just estimates based on limited information, and your actual car insurance rates may differ.
What do I need to buy car insurance online?
Online quote tools will need the following information: the age, driver’s license number, driving history, and address for every member of your household; the make, model, and VIN for each vehicle in your household; and your current auto insurance policy information.
How can I save money buying car insurance online?
The key to saving money as you shop online for a new car insurance policy is to shop around. Compare quotes and look for all available discounts to find the cheapest rates. Our Cheapest Car Insurance Companies ranking can help you figure out where to start, and our guide to buying car insurance can help you figure out how much coverage you need, so you don’t buy too much, or too little, which can cost you more money in the long run. Minimum coverage may be the cheapest insurance policy, but an add-on such as additional liability coverage, bodily injury coverage, or even full coverage may help you save money in the event of a collision.
What is the best way to buy auto insurance online?
Shopping around is the best way to find a new car insurance policy online. That means comparing quotes to see which company offers you the best coverage at a competitive rate. You can also see how much insurance providers adjust rates, insurance quotes, and premiums based on factors like discounts, insurance coverage amounts, and the deductible.
What are my options if I don’t want to buy car insurance online?
You can always call companies directly, or even visit the offices of insurance agents local to you. Even if you want to talk to an actual human to get a quote and discuss policy options, you can still get your bearings by researching online, at your convenience, so you feel prepared for your calls or office visits.
How can I find a car insurance agent online?
On most auto insurance companies’ websites, there is a directory that will connect you to a local insurance agent. This way, you can contact the agent in the way that makes you most comfortable.
How do I decide how to buy car insurance?
If you’re considering buying car insurance online, but aren’t sure if it’s the right choice for you, that’s totally fine! You can always start by researching companies and you can even collect online quotes for comparison before making a commitment. If you find you’re not comfortable with the process, you can always switch gears and purchase your new policy over the phone or at the office of a local agent.