How to Buy Auto Insurance Online

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Things to Remember...
  • Every state in the country requires proof of financial responsibility in order to be a legal driver
  • If you do get caught without insurance because of a routine traffic stop or an accident, penalties might be stiff
  • One way to save money is to consider raising your policy deductible
  • You can use the internet to help you shop around and even purchase a new auto policy very quickly
  • Making sure you choose a reliable company is important for securing the coverage you deserve

Sometimes a car insurance policy just cannot wait. Perhaps you are buying a new car. Every state in the country requires proof of financial responsibility in order to be a legal driver.

Providing this proof almost always requires a valid policy that satisfies the state’s minimum requirements.

These days, you cannot just drive around and hope you do not get caught. You probably cannot get your vehicle inspected, renew your license, or do a number of other things if you cannot produce proof of insurance.

Furthermore, if you do get caught without insurance because of a routine traffic stop or an accident, penalties might be stiff. Every state is different, but these penalties might include fines, impounding your car, license suspension, and maybe even jail time.

Be sure to get the best insurance possible! Use the FREE tool above to find and compare auto quotes now!

Can you buy auto insurance online instantly?

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It is always best to compare auto insurance quotes before purchasing. Insurers are not all exactly the same, and shopping around helps you get the best plans and rates.

However, there are times when you do not have the luxury of spending hours or days looking for the right policy.

You can still use the internet to help you shop around and even purchase a new auto policy very quickly. Many online insurance sites will also let you print off your insurance card immediately after you have paid.

If you want to purchase coverage online, you have two choices:

  • Buy direct from an insurer
  • Use an independent agency site that allows you to compare multiple insurers

You can purchase your policy directly from a major insurance company website. Of course, you can change your premium by selecting different coverage options and deductibles. However, this will not give you much of an opportunity to shop around for rates.

You might also choose to find an independent insurance site. The advantage of choosing this option is that you will be able to compare rates and plans that are provided by multiple companies that are eager to do business with you.

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Some of these sites still give you the chance to compare quotes, select an insurer, and then apply for coverage. At the end of the process, you should be able to print off your proof of insurance.

You might think that it doesn’t make much difference which insurance company you choose. But making sure you choose a reliable company is important for securing the coverage you deserve.

On top of this, many other things can affect premiums issued by the same company. These include your age, driving record, ZIP code, and sometimes it even includes your credit report.

If you have poor credit or a few traffic tickets, you really might find that some insurers are more forgiving than others.

How do you know if an online insurance site is legitimate?

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You are right to be suspicious these days. It is hard to read the news without learning about a new Internet scam. Of course, you can be pretty sure that websites for nationally known insurers are legitimate.

However, you might have concerns about independent brokerages.

If the brokerage actually sells insurance online, you should be able to find their licensing information on the website.

Then you can simply hop over to the website for your state insurance department and look them up. Alternatively, you can call your state insurance department, and they will look up the broker for you.

This should only take a couple of minutes, and this step can give you peace of mind.

You should not be concerned about calling your state insurance department any time you have concerns.

These organizations exist to regulate the insurance business in your state and give you peace of mind.

Can You Save Money When You Are In A Hurry To Buy Insurance?

You can, of course, use an independent broker to shop for the best rates. Of course, the premium price should not always be your only concern.

It will not do you any good to save a few dollars on your monthly rates if you are not adequately protected in the case of an accident.

When you purchase a policy, you need to consider your coverage options:

One way to save money is to consider raising your policy deductible. The difference between a $500 and a $1,000 deductible may cost you hundreds of dollars a year.

If you can make sure to set some of your savings aside in case you ever do have a wreck, you should be able to comfortably choose a higher deductible. Just keep in mind that you will have to pay more out of your pocket if you ever do have a wreck.

You might also consider eliminating some options for your policy in order to lower the rates. For example, roadside assistance and rental car coverage might be optional.

Just consider the convenience and cost-savings of having these options if you ever need them.

Do you only need liability insurance?

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Do you need more than just liability insurance? If you have a new car with a loan, your lender probably requires comprehensive and collision coverage. These options cover damage to your vehicle, and they are not required by the state.

Liability insurance covers damage to the “other guy,” and it will be required by your state law.

If you have an older car that has been paid off, you might consider dropping collision and comprehensive insurance to save money. Be aware that this means you will be solely responsible for paying for damages to your own vehicle.

If you can afford to repair or replace your car, you might feel comfortable just buying liability insurance. If you anticipate having a hard time paying for repairs to your car, you probably should keep the extra coverage.

Use the FREE comparison tool below by entering your ZIP code now!

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