Buy Car Insurance with a Click of the Mouse

Browse for The Right Insurance SiteIf you’re like most of us, you’re always busy, so when it’s time to buy car insurance, it’s a relief to know you can do your car insurance shopping online. Comparing insurance quotes online is easy and efficient, so why not join the hundreds of thousands of Americans who purchase home and auto insurance online? It’s safe, it’s secure, and it allows you to review as many quotes as you like before you make your choice.

Going Online to Buy Car Insurance
When you do your car insurance shopping online, it helps to assemble some information about yourself and your car ahead of time so filling out the online forms is easy. You’ll need to fill out your name, age, marital status, and occupation, as well as the make, model and year of your car, average annual mileage, and whether you’ve had any incidents such as tickets or accidents in the past three years. If you’re adding your spouse or child to your policy, you’ll need to provide her information, too. After you’ve submitted your information, you’ll receive a number of free, tailor-made quotes from different insurance companies. When comparing insurance quotes, it’s important to see whether the coverage offered is adequate for your situation. This means that you should estimate not only whether the coverage amount is adequate, but also whether you’re insured for a variety of incidents including collision, liability and comprehensive. When you’re satisfied that the coverage is sufficient, check the premium and deductible amounts before you buy car insurance. Ideally, you should be able to easily afford your monthly premiums as well as the deductibles in the event you have to file a claim.

Car Insurance Shopping Checklist

Refer ChecklistCar insurance shopping can be confusing, and when you’re looking for cheap auto insurance that still offers you adequate coverage, you need to take many different factors into account in order to find the best deal. One of the most helpful tools you can have when you’re looking for cheap auto insurance is a car insurance checklist like the one below. Keep this checklist on hand when you request quotes so you can be sure you don’t forget anything that could get you a better deal.

  • Your personal information. You’ll need your legal name, driver’s license number and address.
  • Information about your car. Write down your car’s make, model, and year.
  • Mileage. Make a note of the mileage on your car before you request any quotes. Also estimate the amount of miles you drive each month.
  • State legal coverage requirements. Though each insurance carrier will automatically pull up your state’s legal coverage requirements when they know your address, it’s a good idea to be aware of them yourself.
  • Accidents or moving violations. These will be automatically calculated into your insurance rates based on your driver’s license information. However, if you have not been involved in accidents or had any moving violations for the past three years, most carriers will give you a discount.
  • Defensive driving course. If you’ve completed a defensive driving course, ask how this influences your insurance rates. Most carriers offer discounts upon proof of completion.
  • Anti-theft and safety devices. If you have an anti-theft device in your car, write down its make and model, and list any safety devices such as airbags and anti-lock brakes.