You can save time, money, and hassle when shopping for car insurance online by doing your research and comparing quotes. Insurance can be purchased online in minutes.
Can I Purchase Auto Insurance Online?
Yes, it is possible to obtain car insurance online. If you’re prepared with basic information about yourself, your driving record, and your vehicle, it can take an hour or less. When you make the first payment, your online car insurance policy will be activated.
How Does Purchasing Car Insurance Work?
Most businesses have a similar online insurance purchase process. If the insurer provides car insurance online, you can obtain any standard type of coverage you require directly from your computer or phone. However, if you’re looking for specialised coverage, such as classic car insurance, you may need to contact an agent to explain your situation.
The most common types of car insurance are:
- Liability insurance for bodily injury
- Liability for property damage
- Coverage for uninsured/underinsured motorists
- Coverage for medical expenses (MedPay or personal injury protection)
- Insurance that covers everything
- Collision coverage
The Most Effective Way to Purchase Auto Insurance
The best way to buy insurance is determined by your circumstances. Car insurance purchased online is typically comparable to car insurance purchased through an agent — though you may pay slightly more if you use an insurance broker.
The following are some key distinctions between buying insurance online and through an agent:
Online: If you already know what auto insurance coverage you require, purchasing car insurance online may be a good idea. Online purchases can save both time and money. Many of the national providers we recommend provide online auto insurance quotes and purchasing.
Agent: If you are unsure about the type of car insurance you require, you may be better off working with an agent. An agent can answer your questions and assist you in determining the best coverage options for you.
Should I Purchase Auto Insurance Online?
You should select your insurer based on which company provides the best car insurance rates and coverage for your specific needs. If that insurer provides online car insurance quotes, you should take advantage of it.
Because there are no agent fees or markups, buying car insurance online is generally less expensive. An agent, on the other hand, can walk you through the purchase process and help you choose the best coverage. Agents can also help you find car insurance discounts that you might not be aware of otherwise.
In any case, do your homework before committing to a policy with any provider. Even if you intend to work with an insurance agent, it is a good idea to first compare quotes online. This way, you’ll have a better idea of how much car insurance costs and which insurers to contact.
How to Purchase Auto Insurance?
You can buy auto insurance in three ways: by contacting a company agent, working with an independent broker, or buying car insurance online. You can also use a free insurance quote tool to help you find the best auto insurance coverage, rate, and provider.
Here are some steps to take in order to obtain car insurance online:
- Get a car insurance quote online
The first step is to obtain a quote from an insurer’s website or from a free car insurance quote tool.
You must provide the following information to receive your quote:
- Address and name
- Number of a driver’s licence
- Your vehicle’s make, model, and year
- Vehicle Identification Number (VIN)
- Accidents, tickets, or insurance claims reported in the last few years
- Compare prices
After you enter the required information, some websites may provide instant car insurance quotes, allowing you to see the cost for the level of coverage you choose. Other companies may request your phone number or email address in order for an agent to contact you with quotes and options. Contact a few insurance companies to compare policies.
- Decide coverage
Insurers that allow you to buy a policy online will walk you through the process, which should be simple. You’ll be asked to choose your coverage as well as optional extras like roadside assistance or accident forgiveness.
Create a payment method and enter the required information. Most insurers will accept credit cards, though some will charge a fee for this. You can also pay with a bank by providing your routing number and account information.
- Create your card
Finally, you can print your insurance card at home. Your insurer may also send you a card in the mail.