Are online auto insurance companies trustworthy?

Some online auto insurance companies are not reliable. Research stats from the NAIC, BBB, or AM Best to find customer service satisfaction ratings.

Free Auto Insurance Comparison

 Secured with SHA-256 Encryption

Leslie Kasperowicz holds a BA in Social Sciences from the University of Winnipeg. She spent several years as a Farmers Insurance CSR, gaining a solid understanding of insurance products including home, life, auto, and commercial and working directly with insurance customers to understand their needs. She has since used that knowledge in her more than ten years as a writer, largely in the insuranc...

Full Bio →

Written by

Dan Walker graduated with a BS in Administrative Management in 2005 and has been working in his family’s insurance agency, FCI Agency, for 15 years (BBB A+). He is licensed as an agent to write property and casualty insurance, including home, auto, umbrella, and dwelling fire insurance. He’s also been featured on sites like Reviews.com and Safeco. He reviews content, ensuring that ex...

Full Bio →

Reviewed by Daniel Walker
Licensed Auto Insurance Agent

UPDATED: Jul 15, 2021

Advertiser Disclosure

It’s all about you. We want to help you make the right coverage choices.

Advertiser Disclosure: We strive to help you make confident auto insurance decisions. Comparison shopping should be easy. We are not affiliated with any one auto insurance provider and cannot guarantee quotes from any single provider. Our partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.

Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.

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.

Try a FREE ZIP code search to see if you can save on your auto insurance coverage today!

Research Companies

adobestock_48792128-1600x1600

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.

Free Auto Insurance Comparison

Enter your ZIP code below to view companies that have cheap auto insurance rates.

 Secured with SHA-256 Encryption

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.

Free Auto Insurance Comparison

Enter your ZIP code below to view companies that have cheap auto insurance rates.

 Secured with SHA-256 Encryption

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

AdobeStock_76267159-1600x1600

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.

Free Auto Insurance Comparison

Enter your ZIP code below to view companies that have cheap auto insurance rates.

 Secured with SHA-256 Encryption

Buying Online

dollarphotoclub_79971120-1600x1600

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!

References:

  1. https://www.consumerreports.org/cro/car-insurance.htm
  2. https://legaldictionary.net/insurance-fraud/
  3. https://www.bbb.org/us/list-all-bbb-locations/
  4. https://www.thebalance.com/paperwork-needed-for-car-insurance-527454
  5. https://www.farmers.com/auto/coverage/

Free Auto Insurance Comparison

Enter your ZIP code below to view companies that have cheap auto insurance rates.

 Secured with SHA-256 Encryption