Mathew B. Sims is Editor-in-Chief and has authored, edited, and contributed to several books. He has been working in the insurance industry ensuring content is accurate for consumers who are searching for the best policies and rates. He has also been featured on sites like UpJourney.

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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 exis...

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Reviewed by Daniel Walker
Licensed Auto Insurance Agent

UPDATED: Apr 22, 2020

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

Advertiser Disclosure: We strive to help you make confident insurance decisions. Comparison shopping should be easy. We partner with top insurance providers. This doesn’t influence our content. Our opinions are our own.

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...

  • Review your circumstances, necessary insurance amount, and state’s insurance requirements
  • Research insurance providers, double-check your personal information before contacting the companies
  • Taking some time to consider your insurance options could save you some serious money in the long-term

Although finding auto insurance premiums online can be a quick and convenient way to get coverage for your vehicle, making sure you locate affordable car insurance that truly fits your needs is another matter.

Thankfully, there are several things you can do to substantially improve your chances of locating accurate car insurance premiums online.

There is no shortage of information regarding car insurance premiums and insurance providers online.

However, if you’re not adequately prepared, the price you’re quoted could be drastically different from what you really should be paying. 

It’s important to remember that having car insurance will protect you from incurring what could be thousands of dollars in damages if you’re ever involved in an accident.

Find affordable and reliable car insurance now by entering your ZIP code into the FREE box on this page!

Review Your Circumstances

In order to be certain that any car insurance rates you’re quoted online reflect your driving needs and budget, it’s important to review your current circumstances and coverage you have.

If your driving habits have changed and you do not relay this to insurance providers beforehand, the information you’re provided could be inaccurate or even useless.

If your circumstances have changed, you may require less or more coverage for your car than you did previously and not relaying this information to a provider will hinder the accuracy of their quote.

In addition, if you’ve been involved in a car accident recently or incurred a traffic violation like a speeding ticket, then your driving record may not be as appealing to an insurance provider.

As a result, you may be required to pay higher premiums for your car if an insurance provider believes you’re more likely to be involved in a car accident.

On the other hand, if you’ve gone several years without being involved in any traffic incidents, you may be due for a drop in your car insurance rates.

Your ability to pay your insurance premiums and other bills on time could also have a substantial impact on your car insurances rates, so it might be wise to also review your credit rating.

If you’ve been late paying your car insurance in the past or have had a policy canceled due to non-payment, a company will charge you higher rates.

One of the key factors in determining the car insurance premiums is the type of vehicle driven, and accordingly, how much it will cost to fix the car if it’s involved in a costly accident.

While relaying to a provider the year and make of your new car might be easy to remember, overlooking a small but important safety upgrade to your current vehicle could cost you savings.

Review and relay any relevant information to a car insurance provider. This will ensure an accurate quote and policy that reflects your driving needs.

In addition, it’s never a good idea to omit or falsify any relevant information that an insurance provider might require.

Once it is discovered, your car’s policy could be changed or even terminated without reimbursement.

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Type of Coverage

Knowing that the insurance premiums you’ve found online are relatively certain not only requires a developed understanding of how much coverage you require but what specific types of insurance your car needs.

If you do not present an insurance provider with what kinds of insurance you actually require, then any quotes you receive will not be reflective of the policy you need to purchase and the price you should be paying.

You must purchase liability insurance in order to operate your vehicle, which will pay for damages that other vehicles, motorists or property incur because of an accident you’re determined to have caused.

However, liability insurance will not pay for any damages your car receives in an accident that you’re found responsible for. You may want to consider collision insurance as a means to help cover what could be costly repairs.

If you’ve been forced to pay for damages your car has incurred from weather or incidents not involving another motorist, then you may be interested in purchasing comprehensive insurance.

The more you know in advance about the type and amount of insurance coverage your car will require, the more certain you will be of the premiums you’re offered by providers when you research online.

The Insurance Information Institute offers extensive information about car insurance and the types of coverage consumers can buy.

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State Requirements

The minimum requirements for car insurance vary from state-to-state, and although providers are required by law to follow these regulations, knowing what they are will give you a better sense of what you should be paying.

While some states may only require drivers to carry an extremely small amount of coverage, other jurisdictions might mandate that cars be covered with more extensive and thus expensive policies.

As a result, it’s a good idea to contact the government department in your state that oversees these regulations, which may vary in name or type depending on where you live.

In the State of New York, for example, it is the Department of Motor Vehicles; however, in Arizona, it is the Department of Transportation.

Research Providers

Another good way of being certain about the auto insurance premiums you’ve found online is to do a little research about the insurance provider or website you received the information from.

Not only are there plenty of sites dedicated to providing feedback from consumers about various insurance providers, but the Better Business Bureau is also a resource you can utilize to ensure the company is legitimate and trustworthy.

Before you purchase anything online, it’s always a good idea to make sure the corresponding website utilizes security measures to protect your personal and financial information.

To further be certain of the premiums you’ve discovered, be sure to refer to several other insurance providers so that you can get the best and most affordable insurance for your vehicle.

The more similarities there are in the quotes you receive, the more certain you can be that the premiums you’ve been offered are close to what you should be paying.

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Double-Check Your Information

Of course, to receive accuracy in the auto insurance premiums you’ve found online, you must relay the correct information to the providers.

Be sure to double-check that you’ve included the right responses to questions that will be asked including:

  • The type and year of your car
  • How many miles you drive annually
  • Your driver’s license number

While some providers have the means to verify your personal information online prior to offering a quote, other companies will not go over your specific driving details until later on.

Even what seems like a small error or omission could have a dramatic impact on the car insurance rates you’re offered.

In other words, if the provider’s website doesn’t ask questions to ascertain information about your driving record and circumstances specifically, the less accurate the premiums that are offered are likely to be.

Contact the Provider

Last but not least, if you remain uncertain about the information you’ve uncovered online regarding car insurance, then you can always contact the providers themselves.

While it may take a little more time to do so, calling the companies directly will allow you to compare the rates you’ve found online, and you can inquire directly about any additional discounts you might be eligible for.

Before you call, be sure to have your required information, questions, and the competition’s prices on hand so that you can compare policies and rates as quickly and efficiently as possible.

Discover the affordable car insurance rates you’re eligible for by typing your ZIP code into the FREE box below!