Can affordable online auto insurance protect me in an accident?

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Things to Remember...
  • Affordable auto insurance policies purchased online are as good as the company that backs them
  • Before researching an insurance provider, find out exactly what you need in terms of coverage
  • Choose several insurance companies and compare the same policy from each to find the best deal

Getting free quotes to compare auto insurance and buying your policy online are two ways the Internet makes life easier for those shopping for car insurance.

Virtually all insurance companies will provide free online quotes to those who request them; almost all auto insurance companies offer customers the option of buying car insurance policies online.

Buying a policy online is so quick and easy that some people may wonder if an auto insurance policy purchased online will actually protect them.

Before purchasing an auto insurance policy online or any other way, first shop around for the best auto insurance rates for your particular insurance need.

Get FREE online quotes now by entering your ZIP code into our FREE auto insurance comparison tool.

How to Shop for Car Insurance


There are several aspects to shopping for car insurance. First, decide what type of policy you need:

Next, choose a handful of insurance companies to compare, and make note of your selections.

From most online auto insurance shopping tools, you will be able to request a free quote from each of your chosen car insurance companies. Request quotes for similar policies.

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Ask About Discounts

Before you make your final decision, ask each of the car insurance companies on your short list about the discounts they offer.

You may qualify for several discounts, lowering your premiums even more.

Some of the more common discounts include:

  • Multiple Vehicle Discount
  • Good Student Discount
  • Good Driver Discount
  • Multi-Policy Discount

When shopping for car insurance, be sure to consider the discounts that each company on your short list offers and figure the discount into the premium payments.

This will give you an idea of what your rates would be with a policy from the given company.

Read Company Rankings and Reviews

Now that you have a short list of favored car insurance companies that offer their affordable insurance products online, research on each company in the list.

Research each of the car insurance companies to discover what consumers are saying about the company. Company ratings are provided by various consumer agencies, such as Consumer Reports and JD Power and Associates.

Check an auto insurance company’s financial strength by researching the company through AM Best. Retain only those companies who are ranked well by independent ranking agencies.

Customer reviews also provide a great deal of insight into the way car insurance companies conduct business.

A customer review is usually one customer’s experience with a given company.

However, if you start to notice a consensus between reviewers about a company, positive or negative, you can assume that the reviewed content should merit your attention.

When you have worked through these steps for shopping for car insurance, you should now have whittled your list down to one or two auto insurance providers that offer online policies.

Select the provider that you feel will provide you with the best rates and the best customer service.

An easy way to see which company offers the best rates and service is to enter your ZIP code into our FREE car insurance comparison tool!

FREE Auto Insurance Comparison

Compare quotes from the top auto insurance companies and save!

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