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Learning to Buy Auto Insurance Online

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Things to Remember...
  • Quotes are free, quick and easy to compare online
  • Individual states license insurance carriers to keep abreast of minimum coverage requirements, as part of the privilege of offering auto insurance
  • Coverage needs to canvas at least your minimum portfolio value, including tangible assets, such as cars, houses, boats and contents of the home
  • Check out the consumer reviews about their claims experiences with their auto insurance carriers
  • Lucky drivers, find out what insurance companies reward your clean driving record

The Internet provides an excellent place to find the most competitive quotes for auto insurance.

Quotes are free, quick and easy to compare online. The main game is finding the best value; that is, auto insurance coverage at a competitive rate.

A good rule of thumb is to know what you need.

For instance, any time life events occur, go back and compare costs online. For example, if you have just moved down the block, jump online and check insurance quotes.

If it puts an extra $100 in your pocket, it’s worth making the change.

Secondly, harness the power of the Internet and the databases that underlie an insurance comparison site.

Run quotes with a variety of options. Try having your teen on the policy, on his own policy or with a new car.

Be sure to check out the FREE comparison tool above by entering your ZIP code now!

Before Beginning Online Shopping Adventures

Dollarphotoclub_61848568-1600x1600Get a throw-away email address, because every insurance carrier will want to get in contact.

Prevent a deluge of unwanted emails in the every day email by getting an alternative email address just for buying insurance online.

Use this email when searching for other insurance, utilities, phone service and financial products.

Minimum Coverage by State

Individual states license insurance carriers to keep abreast of minimum coverage requirements, as part of the privilege of offering auto insurance. It’s the licensed insurance agents’ and brokers’ job.

If in doubt, check the local DMV or insurance commissioner’s website for coverage information.

Covering Assets and Liabilities

dollarphotoclub_89915506-1600x1600Coverage needs to canvas at least your minimum portfolio value, including tangible assets, such as cars, houses, boats and contents of the home.

Intangible assets such as savings, retirement and life insurance policies need to be protected from lawsuits arising out of an accident too.

As assets buoy in value, the coverage needs do change.

Feel free to change insurance plans monthly if that’s how often significant asset changes occur.

On the flip side, cover yourself and all of your dependents against damages and injuries arising from underinsured or uninsured drivers. These are drivers who are either financially unable to pay damages or financially irresponsible.

Many states instated minimum coverage against uninsured or underinsured drivers. Consider buying additional coverage, depending upon your medical insurance and auto insurance policies.

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Life Changes are the Only Certainty

Life circumstances change. Whenever regular changes occur, be sure to compare quotes again. The first list is a good guideline on when to compare insurance quotes.

Additionally, vet out vehicles before adding them to a policy.

Likewise, take care when changing carriers. Do background work to find out what providers are worth the money.

Some new cars tack on a hefty insurance price tag, while others are nominal. Some carriers are more costly too, but do not necessarily offer up value-added services.

Check out quotes when these life-changing events occur:

  • purchasing a new or used car
  • moving
  • kids getting their drivers’ licenses
  • adding new family members
  • kids growing up and leaving home
  • renewing insurance policies.

Insurance Comparisons for New Car Buying

AdobeStock_33872038-1600x1600Consumers take their old car for granted. Maybe it was an old beater that had barely any resale value. A new or slightly used car will carry a higher insurance price tag for several reasons.

Reasons Some Makes of Cars Cost More to Insure:

  1. Expensive replacement parts
  2. Desirable to thieves for parts
  3. High price tag
  4. Vehicle safety rating

The National Highway Traffic Safety Administration publishes information about vehicle safety and vehicle-related theft. Additionally, sign up to receive information about safety recalls as well.

– Research Insurance Carriers

Auto insurance companies are not all the same either. Take the time to research the different names next to insurance quotes. The companies need to meet the following criteria:

– Have High Credit Ratings

An insurance carrier in the A to A+++ range will have the fiscal health to pay claims. Meanwhile an auto insurer with a C+ might delay or skip paying benefits on legitimate claims.

Positive Consumer Reviews

Check out the consumer reviews about their claims experiences with their auto insurance carriers.

If they have had a bad experience, trust that people will say something about it. A flurry of negative comments is an excellent sign to stay away.

When Loyalty is Penalized

AdobeStock_38113283-1600x1600Any time a policy comes due, be sure to compare quotes. Insurance carriers take advantage of customers who get too comfortable with the existing coverage.

Often a significant discount is found just by shopping around to new carriers.

The competition for reeling in new customers causes carriers to make significant price cuts. The ones left holding the bill are the existing customers.

Adding/Deleting Family Members

When a teen gets his or her license to drive, parents shed tears. Their purses and wallets cringe too.

Adolescents have little to no driving experience and are typically more distracted and reckless drivers. Together it is the perfect recipe for accidents.

Save Money on Teen Drivers

Where teenagers can help out their parents is by getting good grades, driving only during the day and holding off on getting their license.

More and more parents, especially in high-price auto insurance markets are holding their kids back from driving until age 18 or later.

Comparison shop with or without Junior or Princess as drivers on the insurance policy.

Sometimes buying them their own policy is curiously less expensive than tacking them onto their parents’ policy.

Making teens wait until they are 18 will delay the experience they have driving. That means when they get their own policy they may be financially penalized as new drivers.

Weigh the pros and cons. Of course, the best bet is to compare quotes. That is where shopping online makes life much simpler: comparing many different criteria. Compare away until the price is right and the coverage is spot on.

Moving and Shopping Online

AdobeStock_61298662-1600x1600Insurance rates may change drastically when policyholders move.

Specifically, insurers will be looking at fire, theft, break-ins, property values, insurance minimums and the rate of accidents to determine how a move impacts insurance rates.

The zip code for parking overnight indicates whether the risk of any hazards increases.

Likewise, parking in a garage or on street impacts insurance rates too. The miles driven to work and in leisure annually are also evaluated.

Install Mileage Counters for Short Distance Drivers

If moving next door to the office, consider submitting to mileage measuring devices. In general, driving fewer than 5,000 miles per year reduces the risk of accidents significantly.

For that reason, some car insurance carriers issue a special mileage recording device. It lets the insurer measure if the driver actually racks up fewer than 5,000 miles per year.

Bonuses for Good (and Lucky) Drivers

AdobeStock_55566404-1600x1600Some people can own a luxury car in the worst neighborhood and keep it in shiny mint condition for decades. Other people have bad luck. Deer are drawn to their car like a moth to a light.

Trees topple on it the next week. Fender benders, big time accidents and burglaries mark their lives all the time.

Lucky drivers, find out what insurance companies reward your clean driving record.

There are life changes that indicate a good time to jump online to shop for coverage. Be cognizant of where you move, what kind of car you drive and with whom you do business.

All of these factors create an opportunity to save more money by comparison shopping for insurance online. Simply enter your ZIP code below now!

Free Car Insurance Comparison

Compare Quotes from Top Companies and Save

or call (855) 977-0861 for free quotes