5 Important Tips You Should Know About Online Car Insurance

car insurance facts 2020

If you want fast and reliable service when purchasing online car insurance while being able to compare several quotes to find one that suits you.  Getting a car insurance online is the best option for you since it enables you to purchase insurance at your own time. This is a great option as it saves you both money and time

Car insurance is a form of protection when unforeseeable events occur like accidents. It helps cover the repairs, rental fees, medical payments and more. Car insurance is important since it shields you from having to pay costly claims out of pocket

Getting Car Insurance Quotes Online

Car insurance quotes are the estimate of the price you will pay for an insurance policy.  it is calculated based on several factors including your driving history, your age, the car you drive and more.

Getting free car insurance quotes online is one of the simplest ways of shopping for insurance. This is because most companies provide free online insurance quotes like Allstates and State Farm

Therefore when purchasing car insurance online, you have to provide certain information like your driver’s license number, the make, model and year of your car as stated by the Insurance Information Institute.

Other information you may be asked to provide are your car’s mileage and its safety features

Pros and Cons of Online Car Insurance


When trying to buy online car insurance, it’s important to know its pros and cons to be fully prepared before making a purchase. It’s extremely convenient since you can purchase anytime and anywhere.  You will not be restricted to between 9-5. This is beneficial for those individuals who have busy lifestyles and want to save the time. It will save your time from having to visit an insurance agent.

Another pro is that you can ask questions online since the internet pretty much has all the information you might need about any given thing. So all you have to do is get your computer, start searching and get answers to any questions you may be having

You have instant access to insurance documents. You can print car insurance proofs online at the point of purchase. This is because everything has become simplified due to the advancement of technology

It also saves you money since by purchasing insurance online.  You will also save time and you can get a quote from anywhere

It also lets you compare different quotes from several insurance providers in one session and can help you adjust the policy details to be able to see different prices


It can also prove to be a hurdle since it’s difficult to speak with a person. Even though it’s amazing to do everything online, sometimes you may need to get a hold of a real person

You also need to have prior knowledge of insurance since you will be asked numerous insurance questions and you have to research the answers beforehand hence it’s relevant to have an agent to save the time that may have been spent on research

You are required to file a claim on your own in case of a loss.  When you have an agent, you won’t have to worry about this because the agent does it for you

Having basic computer knowledge to be able to navigate your computer, search for the best insurance and then make a purchase. It’s better to have an agent do this for you

Car Insurance Coverage

It’s important to compare coverages before purchasing and assessing how much you are likely to pay. The coverages are;

Liability insurance coverage: this is required in nearly all states to be able to legally drive a vehicle. It consists of bodily injury liability coverage which covers other people’s injuries resulting from an accident you caused.

Property liability coverage: which covers the damage to other people’s property after an accident

After deciding your liability coverage limits, you have the option to purchase optional coverages in some states. While in others some of them may be compulsory and it depends on the state you live in. They include;

  • Comprehensive coverage
  • Collision coverage
  • Personal Injury Protection(PIP)
  • Uninsured or Underinsured motorist coverage

Therefore your car insurance will cover different costs and it isn’t only the ones listed above

Look for Cheap Insurance

Just because you have found cheap car insurance online doesn’t mean it’s the right one. What you have to do is look at the terms of your policy and see if its equivalent to your last policy. You have to consider the coverages offered, the discounts available, the deductibles and any additional customizable features

When searching for discounts, keep in mind that different companies have different insurance premium discounts and they depend on some factors like your lifestyle, driving habits and more

You should therefore shop around; ask for quote prices from at least three insurers before deciding. Compare and choose the best one

What Determines the Price of Car Insurance?

After choosing a policy and getting a quote, insurance companies calculate your cost relying on several factors like;

  • Your driving record
  • Your driving habits
  • The vehicle details like make and model
  • Your location
  • Your coverage history
  • Deductible amount since a high deductible may lower your rate

Bottom Line         

Therefore as much as it’s easy and convenient to purchase your insurance online, there are certain things you must be aware off. You have to analyze the pros and cons of shopping for insurance online. How it’s better than the service you were using before. If it seems the better option, then you should look for the best quote and compare it with other providers to get one that is perfect for you

Quotes Pilot content is not written by a licensed  insurance agent. It’s intended for informational purposes and should not be considered legal or financial advice. Consult a professional to learn what financial products are right for your situation