Are online car insurance companies trustworthy?

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Things to Remember...
  • To find out if an online car insurance company is trustworthy, you should carefully research its ratings
  • Comparing several different auto insurance providers will help you make the best decision for your needs
  • Ask about a variety of discounts from every insurance provider to see which ones you qualify for

Many people are struggling financially; therefore, it is important to get the best deal on auto insurance.

Online auto insurance companies are becoming more popular because they offer low rates. However, many people wonder if online companies are reliable and trustworthy.

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Research Companies


One thing that you need to do before choosing an online car insurance company is to check their auto insurance ratings.

You can read reviews from other customers to see a company’s customer satisfaction.

Unfortunately, some online companies are not dependable and will be a waste of money.

Numerous insurance frauds are from online companies, so you need to research the company before you consider them for your car insurance.

You can check with the Better Business Bureau to see if the company has had any complaints.

Get Quotes

While you are looking for the best deals online, you need to obtain quotes from several different companies.

The best way to know that you are getting the lowest rates is to compare auto insurance prices.

Online car insurance companies are competitive, so you need to search around to see what is offered. There are several things that you need to provide when getting a quote online including:

  • Driver’s license number
  • Driving history
  • Vehicle make and model
  • Vehicle identification number
  • License plate number

When getting a quote, some companies will not immediately give you an online quote, as they want to have an agent call you.

However, there are companies that will instantly post your online quote. In some instances, you might have the ability to negotiate a lower rate.

Online car insurance companies are extremely competitive; therefore, you might have the power to negotiate a better deal.

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Coverage Options

Car insurance is required in every state. Online car insurance companies offer the basic types of car insurance that meet the legal requirements.

There are also additional types of coverage that you can purchase if you think you need it.

Here are the main types of coverage that most companies online provide:

  • Liability Coverage Provides coverage if you are at fault in an accident and someone else’s property is damaged. Your insurance company will cover the cost to pay for other person’s vehicle
  • Comprehensive Coverage Covers the loss if your vehicle is vandalized or is damaged by fire, flood or natural disasters. If your vehicle is stolen, comprehensive coverage will cover the cost of a replacement vehicle
  • Collision Coverage Covers the cost of your vehicle if you cause a car accident. Your policy will be more expensive with collision coverage
  • Uninsured/underinsured Coverage Covers the cost if someone else causes an accident but does not have adequate insurance to cover the cost
  • Personal Injury Protection Covers medical bills for you or anyone else in your vehicle. If you do not have health insurance, you will want this type of coverage

Auto Insurance Discounts


Most online companies offer excellent auto insurance discounts. Always make sure you ask about discounts when comparing companies.

Some of the discounts that are available might include:

  • Safe driver discount
  • Loyal customer discount
  • Student discount

Many online companies do not volunteer this information, so you need to ask about eligibility.

Buying Online


Purchasing car insurance is easy when done online. You just go to the website, compare the policies and coverage that they provide, and purchase the policy using your credit card.

In many cases, you can get the best car insurance rates online.

Research your options and compare policies as well as prices. You will then make the best choice available to you and have a car insurance company that you can trust.

Try our FREE quote comparison tool to start saving now!

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