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How to Get Car Insurance Quotes Online

By Edited Apr 20, 2014 0 0

Compare Car Insurance Quotes Online

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If you’re shopping for car insurance, have you considered getting car insurance quotes online? The process is simple and convenient. You don’t have to drive to multiple insurance companies, so you save time. You can obtain all the information you need to make an informed decision right from the comfort of your own home.

Finding Car Insurance Quotes Online

Enter the term “car insurance quotes” into your browser of choice. The search results will include a list of numerous insurance carriers. Select at least three online companies. Before submitting your information, make sure that the online companies you choose are reputable. Check for online fraud reports and make sure that the browser is secure. The URL should start with “https,” an indication that it’s a secured site. Look for a lock on the right hand side of the URL.

On some websites, you’ll receive instant car insurance quotes online. Other companies will respond to your inquiry by email. Still others will put you in touch with a direct provider.

Moreover, some online companies are actually insurance comparison websites. When you submit an inquiry, the system generates multiple quotes from different carriers so you can compare the car insurance quotes online. Such online car insurance websites are advantageous, as you don't have to enter your personal information on multiple websites. Simply enter the information once and receive the online quotes you need. Best of all, these type of services are free to the consumer.

What You Need to Get Car Insurance Quotes Online

Before you sit down to request a quote, make sure you have the vehicle’s odometer reading. Be ready to enter your personal information such as your date of birth, phone number, email and address. Some sites will ask for your driver’s license number. You’ll also need select the vehicle’s make and model from a drop-down menu. Enter the approximate number of miles you drive each week. Depending on the company, you may find slight variations as to the kind of information you need when requesting car insurance quotes online.

Comparing Car Insurance Quotes Online

There’s more than money involved when comparing auto policies. Here are some important factors to consider when choosing a policy.

  • The required amount of auto insurance coverage varies by state. Find out what your state requires and then determine if you need additional coverage. Choose a policy that provides the coverage you need at the lowest rate.
  • Consider the deductible amount. Insurance companies often offer lower rates to attract customers, but then hike up the deductible to compensate. Policyholders who choose a high deductible, often create a fund to make sure they can pay the deductible portion should they ever have to file a claim.
  • Other factors to consider are bodily injury liability and property damage liability. According to Edmunds.com, experts generally recommend following the 50/100/25 rule when selecting coverage. That is, $50,000 bodily injury liability for one person injured should a car accident occur, $100,000 for all people injured in a accident and $25,000 for property damage liability, says Edmunds. However, you must determine whether you need to purchase additional coverage.

As you can see, obtaining car insurance quotes online is a simple and quick process. Simply choose a reputable online company, enter your personal and vehicle information, submit your inquiry and compare the results. Select the auto insurance carrier that offers the most coverage for your particular needs.

Copyright © 2011 Ana Jackson. All Rights Reserved. Reproduction in whole or in part constitutes plagiarism, is illegal and strictly prohibited.





Credit: Picture taken by Dave (MorgueFile.com)



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