Get Car Insurance Quotes Online – Find Great Deals From The Comfort Of Your Home 

If you just bought a brand new car, you’re probably planning on having it for years to come. It probably cost a lot of money as well. To make sure your investment is secure and that you won’t be out of a bunch of money if something unexpected happens is to buy car insurance.  For a lot of people, this might seem like a lot of unnecessary hassle, so they avoid it. You’re probably one of them, and that’s understandable. These days, though, you don’t have to spend a lot of time to find and get good insurance – you can do it from the comfort of your chair by using the internet.

Today we’ll tell you how to get the best possible car insurance quotes online and what to look out for when buying insurance through the internet. Additionally, you can check out best cat insurance here in case your wondering about insuring your feline friend.

Answering The Most Common Question Of All: Why Do I Need Car Insurance?

Most people don’t think they need car insurance and you’ll encounter a lot of ways of rationalizing. There’s the good old “I’m a safe driver” excuse that you’ll hear your uncle use. Then there are things like “I don’t drive that often” or “I only drive on safe roads” and even the “Well nothing’s happened to me before” defense.

Well, that’s all well and good but those are all fallacies, and there’s nothing that can keep you and your passengers completely safe. The primary reason to get car insurance is so you know that you’ll be fine if it comes to the worst and that you won’t be left in financial or literal shambles.

Another important reason for getting car insurance is because it’s required by law in most states. However, the legal requirement is usually only the bare minimum, and you’ll probably want to get better insurance than that.

That might seem like a hassle, but if you want the best protection possible, you should do it. It will keep you and your loved ones safe. Also, it’s not quite such a large hassle as you’ll soon find out.

Benefits Of Getting Your Car Insurance Quotes Online

Lots of people dislike even looking for car insurance because it’s not fun and it takes a lot of time. Well, there is an alternative way to get car insurance quotes – online! Here are all the benefits you get by doing that.

You’ll Always Get Better Deals Online

One of the most important benefits is that you’ll always have a better deal if you buy online. Firstly, you’ll save on things like gas, since you’re not going anywhere in person. Next, you have easy access to all the resources and information on the company, and you’ll be able to pick the best deal.

In addition to that, most online car insurance companies have to deal with less paperwork and employee costs which makes the cost of their service cheaper as well.

Moreover, you’ll always be going straight to the insurance company and never through third-party insurance brokers who might mark up the price.

Getting Estimates Is More Convenient That Way

One of the main reasons why people don’t go out to different companies to get a lot of different car insurance quotes is simple – it takes a lot of time. Doing it in person is tedious, and it can be a lengthy process even if you do it by phone.

Well, if you’re getting estimates online, it’s all much simpler and more convenient. Most websites have forms that you can fill in and send out. Then you just need to wait for the estimate which could come during the same day.

 

There’s no messy paperwork or waiting in queue. You never have to leave the comfort of your home or talk to potentially unhelpful or rude strangers over the phone.

You’re Not Limited By Working Hours

When you’re getting car insurance quotes online, you’ll be able to fill out forms even in the dead of night, if that’s what you want. If you’re going in person, you’re naturally limited by the working hours of insurance dealerships as well as your own working hours – when you’re buying car insurance online those restrictions don’t exist.

You Can Get Car Insurance Quotes Online In A Matter Of Minutes

As we mentioned previously, getting car insurance in person can be a time-consuming process, which is why most people just pick the first option they find. Going to an insurance dealership, waiting to get served and filling out all the paperwork is just tiresome.

Well, if you’re getting car insurance quotes online, you can get them in a flash. There’s no waiting or travel time, forms usually have less info, and you can fill them out quickly, and you won’t have to wait long after submitting the form to get your quotes. Sometimes, you’ll be able to get them within minutes!

High Customization Level Thanks To Online Questionnaires

Online questionnaires and forms can be made to be as long as the company wants it to be, they can be in any shape or form and can be changed on a dime. Moreover, information from them can be collected so easy it’s incredible. Due to this, you’ll find that online questionnaires are usually shorter but more detailed and offer better customization than paper forms.

Skipping The Middleman Could Have Its Benefits, Too

As mentioned, insurance agents and brokers can often mark up the price. By purchasing your car insurance online, you’re skipping the whole step and going straight to the source to get the best price available.

 

Even if the agent is working for the company directly, buying online is still better since you’ll be able to deal with the company directly and the company doesn’t have to pay for an agent, making their prices lower.

 

You’ll also have all the info about the potential deals available to you before you even fill out a form instead of being fed marketing spiel by an insurance agent. It’s a win in all regards.

Are There Any Downsides To It?

While buying car insurance online is good, it’s not the Holy Grail. There are some downsides to getting car insurance quotes this way, and it wouldn’t be fair to you if we didn’t list the most important ones to warn you in advance.

Lack Of Communication

While some online car insurance companies will have info numbers you can call or some support personnel answering emails, constant communication is not a guarantee. For the most part, you’ll usually be left on your own – this includes when it comes time to file a claim.

 

Most companies will have insurance agents file claims for their clients, but with online companies, you’ll probably have to do that on your own.

Even if you have the option of contacting a real person during the process, you’ll either wait on hold for a long time and go through an automated phone system first, or you’ll have to go through lengthy email exchanges that will last for days. It can be quite unpleasant.

You’re The Insurance Expert Here

While an agent can mislead you and hike up the cost, they’re not all out to trick you, and they can be helpful as well. Without an agent to explain all the details of certain insurance plan, you’ll need to be your own insurance expert.This means browsing the web and parsing through a lot of information on different plans and policies, learning a bit about insurance rates and so on. If you’re not savvy enough, you’ll probably end up with a bad deal when buying car insurance online. As mentioned, some online insurance companies have info numbers you can call, with agents standing by to answer your questions but that is not a given. You’ll have to learn a bit about insurance to make an informed decision when buying.

Online Forms Might Skip Some Valuable Info

While online forms are usually shorter and easier to fill out than paper forms, they might skip over some important stuff. You probably won’t even notice it, due to the nature of online questionnaires. As mentioned you need to be your own insurance agent here – you’ll probably get no real help from the company. You’ll have to scour the web and find the info that needs to be in insurance form and make sure that it’s in the one you’re filling out – otherwise, you might get a bum deal. But, we’re here to help you with that, and you’ll get some tips on how to find a good deal up next!

Online Car Insurance Quotes: Tips On How To Get The Best Deal

Getting a good deal with online car insurance can be tricky, but if you know what to do and which tricks to use, it’ll be much easier. Here’s some advice you should follow to get the best deal possible.

Do Some Comparison Shopping

Don’t stick to the first thing you find – look around and compare the prices and deals you can get. You can look as much as you want without leaving the comfort of your own home, so take advantage of that. There is also the option of comparing car insurance quotes on sites like InsWeb.com or NetQuote.com to be completely sure about which deal is superior.

Don’t Assume Anything

Always look through the deals carefully! Just because most companies offer a certain clause in an insurance deal doesn’t mean that all of them will. Don’t be in a rush and always read the fine print before you decide on anything.

Don’t Overlook Local And Regional Insurers

When you’re looking for car insurance online, you might be tempted to only look at some of the top results – the largest and most reputable companies with nationwide coverage. After all, it’s easy to assume that they will have the best deals around due to being so large. However, you shouldn’t discount the little guy. Local companies can often offer deals better than those offered by larger companies with extra features suited specifically to your local area. For example, a local company in Alaska might have special deals relating to snow damage that nationwide companies might not offer. Compare what you get in deals offered by large companies and those offered by local or regional ones, then compare the prices. You might be surprised.

Make A Habit Of Reviewing Your Coverage Regularly

Even if you’re sure you got a good deal now, it’s always a good idea to keep reviewing your insurance plan from time to time. Your life circumstances will certainly change over the months and years, and you might want to change your insurance policy to reflect that.Looking at liability limits as well as the coverage for physical damage and your deductibles is important. You might see some changes, or you might want to update certain parts of the policy depending on your current needs and means. In addition to that, it’s important to look at discounts that are currently available. You might be able to include one of them in your car insurance renewal package. Sometimes you might want to add on some extras if you think you might need them – new ones might become added to the company’s offering from time to time.Some things about the insurance plan you picked can also change over time. Medical coverage often changes, and you won’t necessarily be notified of a change that occurs, so you might end up shortchanged when you need it the most. Check it from time to time just to make sure. Review the drivers included in the policy and see what’s changed. You might have some new drivers if your children just got a license, for example, or someone might have incurred a traffic ticket or a DUI. Don’t hesitate to check on all of that regularly to make sure your car insurance policy is as good as it can be.

Don’t Fall Behind On Payments

Whatever you do, make sure you can keep making regular payments. To that end, you should always choose a package with payments that you’re sure you can meet, even if you’re in a pinch. If you don’t pay your premiums on time your insurance contract is liable to get terminated, meaning that all your previous payments were for nothing. It will be a huge financial loss, and you’ll still need to get a new contract where you’ll start from scratch. Of course, your contract being terminated might be the least of your problems in some cases – certain insurance companies can even sue you if you don’t make your payments on time. You might even get forced to stick to the contract with the premiums being increased, or you’ll need to pay a hefty one-time fine.

What You Drive Is Important, Too

The vehicle you’re driving also plays a significant part in the cost of your car insurance policy and if you want to get the best quotes you need to make sure your car works well and is not prone to breaking down too often.However, that’s not the only important thing to consider. The strength of your engine, for example, can also play an important part since cars with stronger engines statistically get in more accidents. Certain car models are also considered to be more accident-prone, and that might be a reason why your premium is higher than you thought it would be.Consider everything about the car you want to ensure, especially if you’re looking to insure multiple cars. Sometimes it might be better to leave out one of the cars and get a separate policy for it since it might impact the cost of a shared policy. Do some research, see how your vehicle might fare and decide based on that. In some cases, getting certain types of insurance just might not be worth it.

Raise Your Deductible (If Your Budget Can Handle It)

If you’re in good financial condition, raising your deductible could actually save you money in the long run. Yes, you’ll need to be more responsible with the little things that might happen to your car. However, your monthly premiums will be smaller without impacting the rest of the insurance policy too much. Use an online tool to see exactly how much you’re saving on your premiums if you raise your deductible. If you’re saving more per year than the amount by which you raised your deductible, it’s probably worth it.

Keep Your Driving Record Spotless

If you’re a safe driver, your rates will likely be better, and you’ll have to pay smaller monthly premiums. Your clean driving record will be your best tool for saving money when getting car insurance and keeping in that way is in your best interest, or you could see your monthly premiums nearly double.You might have some old shame from your younger days in your driving record, and you should remember that when you’re looking for car insurance. It could significantly affect the rates you get, and there’s nothing more embarrassing than such a thing coming up in the middle of contract negotiations – keep that in mind. Be honest and straight with the insurance company.

Pay-Per-Mile Insurance Is An Option, Too

If you don’t drive too much, pay-per-mile insurance might save you a lot of cash. It’s exactly what it sounds like – the premiums you pay each month consist of a flat base rate and a per-mile rate on top of that. For people who don’t drive more than 200 miles per week, this should be the ideal option. You’ll have good insurance without paying too much.This is also a good option for people who use their care to take long trips but do so rarely. For most pay-per-mile insurance plans there’s a limit on the number of miles per day that the company can charge you for. So, for example, if you drive 500 miles in a day, and the maximum is 200 per day, you’ll only get charged that much. It’s good to check that out.

Don’t Forget That Demographics Can Affect Prices

Things like your gender, your age, where you were born, where you lived previously, your credit score, how many family members you have and more can all affect the price of your car insurance policy. It’s all based on the likelihood of accidents for your demographic. For example, young men have more accidents than young women, on average. Married people seem to have fewer accidents than single people so being married can significantly lower your rate. It might not seem fair, but it’s just how it is, and the companies have to make risk assessments based on something and demographics are the easiest thing to look at.

Comparing Car Insurance Quotes Online: Keep An Eye On These Things

While car insurance is still mostly sold in person, the online sale has been rising in recent years, and now there’s a ton of choice online. You’ll probably be overwhelmed if you try to take it in all at once. To help you out, here are some tips about comparing car insurance quotes online.

Take The Company’s Performance Rating Into Account

Ratings can be deceptive at times, but it’s always good to take a look at them to see what the customer’s overall opinion is. Sites like Consumerreports.org can be immensely useful in that regard since they contain both aggregated ratings and individual reviews.

Factor In The Complaints

When you’re checking out a company always take into account the user experiences and their complaints. The info you find on the company website should be just one avenue of finding information and shouldn’t be taken as gospel.If just one person complained about a certain problem, it might be fair to dismiss it, but if you find multiple complaints about the company, something might be up. Keep an eye out for it and don’t dismiss it out of hand as sour grapes.

Make Sure You’re Comparing The Exact Same Coverage

When you’re comparing two different insurance plans, make sure you’re comparing the exact same coverage. That way you can get a good idea of which plan or policy is better and costs less. It is difficult to compare insurance plans that don’t have the same coverage since it’s difficult to gauge the value of specific parts of the policy. Because of that, your best bet is to only compare policies that have the exact same coverage. It will make things easier for you.

Pay Attention To Additional Services And Exclusions

Car insurance policies are rarely just that – there’s usually a ton of extras that come along with them, and it’s worth considering that when you’re deciding which policy you should get.A good example of this is that some policies cover the costs of towing or the labor cost incurred when you fix your car. There’s more – they might offer security systems, tire changes, gasoline delivery and more. Some of these services can be lifesavers if you have an older car that might be in danger of breaking down at any minute. There are even insurance plans that include reimbursement for rental cars while your car is broken down.

At the same time, take a look at what the policies are not including, which you might find useful. Don’t get shortchanged.

Final Thoughts

With that, we’re done, and you should now be able to make an informed decision when looking for car insurance quotes online. You’ll be able to avoid all the common pitfalls and reap the benefits that online car insurance companies offer.

If there’s anything, you wish to ask us, feel free to post it in the comments, and we’ll get around to it quickly. After all, you can never be too prepared when it comes to stuff like this, and we know that very well.

We hope this article was at least a little bit helpful to you and that you’ll revisit us in the future. Until next time!

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