Car Insurance Online Tips

Read these 14 Car Insurance Online Tips tips to make your life smarter, better, faster and wiser. Each tip is approved by our Editors and created by expert writers so great we call them Gurus. LifeTips is the place to go when you need to know about Car Insurance tips and hundreds of other topics.

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How can I find an online car insurance company?

Spotlight On Esurance: An Online Car Insurance Company

Other car insurance companies have been offering services offline for decades. Esurance is a company that was created to offer online car insurance exclusively. Esurance offers 24/7 customer service and reliable auto insurance coverage. One of the benefits of using an online car insurance company is that you can print your insurance card from your home and replace it quickly if it is lost. Instead of having a lot of paperwork to deal with, all of your policy paperwork and claims filing is handled online. In addition to offering complete service over the Internet, Esurance offers live 24/7 customer service with trained professionals.

   
How do I find reputable online car insurance?

Finding Reputable Online Car Insurance

There are so many services available online it is only natural that there are online car insurance quotes. However, it is important to be careful when you buy car insurance online. While there are many reputable companies that offer car insurance online, there are some that are untrustworthy.

To protect yourself from fraud, choose an agency that has been around in the offline world for at least 15 years. You can also check the company with your state's department of Insurance and the Better Business Bureau. These agencies keep records on all legitimate insurance companies and any complaints against insurance companies.

   
How do I find the best online car insurance rates offered by a particular company?

Comparing Online Car Insurance Rates Offered By A Single Company

Let's say you've decided to go with an online car insurance provider. You've completed your initial research and found an online car insurance provider with financial stability and excellent customer service. The next step before you purchase your policy is to compare online car insurance rates. Most online car insurance company websites will allow you to compare different levels of coverage within their company. You may be amazed to find out that higher levels of coverage do not cost much more than the minimum level of coverage. Make sure you understand the terms and policy features that are offered by the online car insurance company so you can find the best level of coverage for your personal needs.

   
How Can I Compare Online Car Insurance Quotes Quickly?

Tips For Quickly Comparing Online Car Insurance Quotes

If you are looking to buy car insurance online, you've probably noticed that there are hundreds of companies offering free quotes. It can be overwhelming to manually keep track of the various rates and coverage that car insurance companies offer. To save time, you may want to consider using an online car insurance portal site. This type of site allows you to quickly see a comparison between different car insurance companies and various policies. The advantage to using a portal site, as opposed to doing the work yourself, is that you only have to enter your personal information once.

   
What information will I need to get auto insurance quotes online?

Preparing To Get Auto Insurance Quotes Online

If you are looking to get auto insurance quotes online, you need to have a few pieces of vital information in order to get an accurate quote. You will need the current Department of Motor Vehicles Report for the drivers involved so you can be aware of any recent accidents or moving violations. You'll also need the date of birth and driving experience for each of the drivers on the potential policy. Finally, you should have the Vehicle Identification numbers and mileage information for any cars that will be on the policy. Without these pieces of information, your estimate will be inaccurate and won't reflect the actual price of your coverage.

   
How do I obtain an online insurance policy for more than four drivers?

Insuring More Than Four Drivers with Online Insurance

Like many auto insurance companies, online insurance does not offer coverage for more than 4 cars or 4 drivers. Companies set this limitation based on the assumption that once you have more than 4 cars the cars are being used for commercial purposes. Most online insurance companies are for private auto insurance. If you happen to have more than 4 eligible drivers and/or more than 4 insurable cars, the online insurance company can provide 2 policies under your family's name to cover all parties involved. The policies would be associated with one account and have the same online login information to keep things simple. Most online car insurance companies will also offer multi-car/multi-driver discounts.

   

Understanding Online Insurance

When you compare auto insurance quotes online, understanding online insurance and why shopping for it online is a smart idea, is very important. First, when you compare online auto insurance rates instead of going to an in-person broker, you are going to see quotes from more companies. A broker can only represent so many companies and be able to keep up with the differences and changes in coverage and payment plans. When you get a quote online, that is all taken care of by the software program behind the online auto insurance Web site. That means you will always have the most up-to-date information and know that the policy you are buying is exactly the way it is represented online.

Having so many companies available to you in one place makes your low cost auto insurance online quote a reality. You have a better chance of finding a great, low rate when you're looking at a great deal of companies that all want to offer you the best rate they have for your business. When you compare auto insurance quotes online, you just have to enter your policy information once and receive responses from a lot of companies. That means when you get your low rate you can feel confident you really got the lowest rate.

   

What is Online Car Insurance?

When looking at auto insurance online quotations you might find yourself wondering what car insurance online really is. Is it a real company that is in a building somewhere or is it all done online without help from people? While the car insurance quote online might be a computer program that is working with insurance companies, the companyies insurance is purchased from are bricks-and-mortar companies, and in many cases there are in-person agents with offices selling the same auto policy that you can get when you buy online auto insurance.

Purchasing your car insurance online can be even more secure than giving your auto information to an agent in the office, and in many cases you are able to get your auto policy and ID cards via email so you don't have to wait for the mail to bring your policy and you don't have to rely on temporary auto insurance cards if something happens or you get pulled over and have to provide proof of insurance.

When researching online auto insurance companies you can check the ratings and opinions of them just like you can with any other insurance company. They are regulated by the same laws that in-person insurance companies are, too. Getting online car insurance just means you got your quote and bought your policy online; you have the same auto coverage as someone who purchases auto insurance offline.

   
Should I reveal all auto accidents on my driving records when getting free online car insurance quotes?

Include All Auto Accidents When Obtaining Your Free Online Car Insurance Quotes

If you've been involved in an accident that wasn't your fault, you may be tempted to avoid disclosing that information when obtaining free online car insurance quotes. You may assume that any accident on your driving record will drive up the cost of your auto insurance. However, you will only be penalized for accidents in which you are found “at fault.” If you were involved in an auto accident, but were not responsible, your free online car insurance quote will not be affected by the accident. It is important that you disclose your entire claims history to the online car insurance company. They will price your free online car insurance quote in accordance with all state laws concerning the types of accidents that affect insurance prices.

   
How Can I Tell If My Free Quote Online Is Accurate?

Obtaining An Accurate Free Quote Online

Dozens, if not hundreds, of car insurance companies offer a free quote for their services. This can be a helpful tool in deciding which car insurance company and which policy will best suit your needs. However, keep in mind that the free quote for your insurance policy may not be the actual amount you will have to pay for your policy. The free quote reflects the personal information that you give the insurance company. If that information is inaccurate, your rate will be different than the quote that you received. For example, if you had an unresolved moving violation on your driving record that you did not report during the quote process, the actual cost of your car insurance policy will be higher than the quote.

   
Who Can Help With Instant Car Insurance Quotes?

Customer Service Representatives Can Help With Instant Car Insurance Quotes

Getting instant car insurance quotes online is fast and convenient. Generally, filling out a car insurance request form online is clear and to the point. However, during the process you may have questions about the process and the types of coverage. Most car insurance company websites offer help for potential customers. Some websites have toll-free numbers that you can call to receive help from a car insurance representative. Other car insurance companies offer “help” sections on their websites to walk you through the process. The quality of the car insurance company is reflected in the help that they offer their clients. If you find yourself at a website that offers little or no help in filling out the application, you might want to reconsider your car insurance company choice.

   
Why Get An Online Car Insurance Quote?

Reasons To Get An Online Car Insurance Quote

Some people may be leery of conducting personal business like shopping for car insurance online. However, there are many good reasons to consider getting car insurance through an online vendor. The best reason to get an online auto insurance quote is the ability to compare policies. Finding the best car insurance policy at the lowest price means that you need to get quotes from several different companies.
Most online insurance companies offer free quotes for insurance policies and may even provide comparison quotes from other companies to save you even more time. Researching different policies takes very little time and allows you to get the best price possible for the most coverage.

   
How do I obtain free auto insurance quotes for my rare model car?

Getting Free Auto Insurance Quotes Online For a Rare Model of Car

If you are looking to get free auto insurance quotes there may be some problems obtaining a quote if you have a rare or older model of car. You may not find your make and model of car listed on the auto insurance company's website. This may be because your car is a classic model, a specialty car or a brand new model. In most cases, you will be able to call the car insurance company and get your free quote over the phone. In some very rare cases, a particular car insurance company may not cover your car. Some insurance companies do not cover exclusive luxury cars, or cars that are brand new to the market. If you own such a car than you may need to do additional research to find a car insurance company that will offer you a policy.

   
Should I provide my e-mail address when looking for cheap car insurance online?

Provide Your E-mail Address When Looking For Cheap Car Insurance Online

If you are looking to get cheap car insurance online, you will probably be obtaining quotes from several sources. Do not be worried about giving your e-mail address to online car insurance companies. Reputable companies have privacy policies that prohibit them from sharing your e-mail address with other parties. Providing your e-mail address will allow you to get your online car insurance quotes sent directly to your inbox. From there you can compare the quotes and obtain the best car insurance policy for the best price. Once you have found a cheap car insurance policy, you can opt-out of the other insurance companies' e-mail lists.

   
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Guru Spotlight
Jennifer Mathes, Ph.D.