How Shopping Online Provides a Personalized Virtual Auto Insurance Store

Comparing auto insurance online has never been easier. Find the best coverage using, (1) third-party comparison tools, (2) independent brokers, and (3) consumer review sites.

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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...

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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 and Safeco. He reviews content, ensuring that ex...

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Reviewed by Daniel Walker
Licensed Auto Insurance Agent

UPDATED: Nov 17, 2021

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Here's what you need to know...

  • Shopping online for car insurance is definitely a more personalized experience since you’ll probably do so from your own home or office
  • In order to get an insurance quote online, most websites will ask you several general questions, like what kind of car you have, how much you typically drive and where you live
  • When shopping for insurance online, make sure you are using a secure server

Although buying great and affordable car insurance is something everything driver wants to do, finding the time in your busy schedule to call or meet with salespeople is another matter.Thankfully, however,

Thankfully, you can conveniently shop online, which is like having access to your own personalized virtual auto insurance store!

While thanks to the wonders of the Internet finding cheap car insurance is easier than ever, it’s still a good idea to review your current policy before you buy a new one. Some insurance companies charge extra fees if you don’t provide them enough notice that you’re canceling your coverage.

Also, be sure that you have a new policy purchased before you cancel so that the coverage on your car doesn’t lapse.

Find fantastic car insurance now by entering your zip code into the FREE box above!

Personalized Environment

Shopping online for car insurance is definitely a more personalized experience since you’ll probably do so from your own home or office, and not a store.

Not only can you shop while you’re lying on the couch, but if you have kids, you don’t need to hire a babysitter or bring them along to an insurance company’s office. You won’t need to worry about finding parking or being caught in a traffic jam.

In addition, by shopping for insurance online you don’t have to deal with a high-pressure sales environment that you might encounter at an office or over the phone.

In other words, you don’t have to worry about telling a pushy salesman you’re not interested two or three times. If you think a website has a sales gimmick you don’t care for, just click and move on.

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Although shopping for car insurance online is extremely convenient and rewarding, it’s important to make sure that any websites you use are safe and secure.

In order to get an insurance quote online, most websites will ask you several general questions, like what kind of car you have, how much you typically drive and where you live.

Some providers will also ask for your social security number so that they can make sure you have a good driving record and credit rating.

As a result, many people want to know that the information they provide is secure, particularly if you use a credit card online to purchase car insurance.

The U.S. Government tells shoppers to make sure the websites are secure, by double checking that it has the lock sign above or that the site’s URL begins with “https:.”

Companies like Microsoft for example, also provide information about shopping securely on the Internet.

It’s also a good idea to search online and make sure that the companies you’re considering buying from are well known and have a good reputation.

You can also see if customers have complained about a company or that it’s properly registered by going to the Better Business Bureau’s website.

Major Providers

One of the ways you can find auto insurance in your virtual store is by getting a quote from a major provider’s website.

After you’ve done a little research to make sure the company has a good reputation and that their website is safe, you can receive a quote after you answer several general questions.

You shouldn’t have to provide any detailed personal information just to get a quote.

In addition, if you can’t get a quote for free or the company asks for some sort of commitment to get one, then move on. There are plenty of providers and insurance comparison that offer free quotes.

Once you have a quote, be sure to write it down, so that you can move on to another provider and compare it with the rates they’re offering. Remember, some companies will match the prices of their competitors as a way to get new customers.

Even if their website quotes one rate, you may be able to get a lower one by telling the provider about their competitor’s offer.

Independent Insurance Brokers

Another way to shop online for auto insurance is through independent insurance brokers and agencies. Most independent insurance agents are experts about various types of insurance coverage, including property, life, medical, and automobile.

Typically, states require independent agents to pass exams and be licensed before they can sell clients insurance. So in other words, independent agents are usually well-informed about the insurance industry.

Independent agents do not work for one specific insurance company, and as a result, they try to find their customers the best deal possible by comparing different policies.

Due to the fact many independent agents work on commission, however, it’s in their best interest to sell you a policy.

While you will quickly be able to find a local independent agent online, depending on what services their website provides, you may have to talk with them directly to get insurance quotes.

You can learn more about independent agents and brokers in your region through The Independent Insurance Agents and Brokers of America.

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Insurance Comparison Websites

The most convenient virtual shopping experience, however, can be found at websites that specialize in comparing car insurance. Just like shopping in a real store you can review multiple products at once, except, you don’t have to drive across town to get there.

Comparison sites specialize in getting quotes from multiple companies, so that you can quickly compare which provider is offering the best and most affordable coverage.

This way you don’t have to waste time by submitting your information to each major provider. Similar to the websites of insurance companies, they ask several general questions about your car and driving habits.

Once you’ve provided your info, the website will provide you several quotes for free!

By using these sites, you won’t have to deal with any high-pressure sales pitches, and if something at work or home comes up, you can get back to shopping at another time.

In addition, many of these sites also sell insurance as well, so if you see something you like you can buy it right away.

Just as you should anytime you shop online, make sure the site is secure and has a legitimate URL. You could also search online to see what other people may have said about their shopping experience at that website.

Review Your Coverage

If you don’t have a lot of experience buying car insurance in the past, or you just need a refresher, it’s a good idea to do a little research beforehand so you’re an informed shopper.

Although shopping online for car insurance is extremely convenient, the more you know about what’s best for you the better coverage you’ll end up buying.

While you’re shopping, consider whether your driving circumstances have changed. If you’re driving a lot more these days or have moved to the city, then you might want to consider buying additional coverage.

The more often you drive on busy roads, the more likely a car accident is.

On the other hand, if you’re driving much less these days or have moved to a much smaller community, then you may decide you don’t need as much insurance as you did before.

For example, if your car is older and you’re not driving it much anymore, you may decide you don’t need collision insurance. Collision insurance pays for the damages to your car if you cause an accident.

If your car is not valuable, then it may not be worth carrying collision coverage for it.

By law, you’re required to have liability insurance, which pays for any damages another person’s car or property incurs in an accident you’re responsible for. Comprehensive insurance will cover repairs your car needs because of an act of nature or a non-motorist, like a fire or falling debris.

You can learn more about the minimum insurance requirements in your state by contacting your state government. For example, in the State of Arizona, the Department of Transportation oversees the region’s auto insurance regulations.

Start your car insurance shopping experience now by entering your zip code into our FREE quote tool!



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