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How To Buy Car Insurance Online

Feb 15, 2008
Learning how to buy car insurance online is easy and saves a lot of time, but how do you know exactly what to look for? If you're thinking of purchasing your next policy, or renewing your car insurance policy online, here are a few tips to help you make sure you're getting the best deal.

Got your car insurance policy in front of you? Great. You will need the information on your policy to give to prospective insurance companies. You should go to the sites that offer multiple quotes, although in my experience they often don't give you the best rates. You will also find the big car insurance companies online and you might think they would always have the best rates, but don't give up your search until you have checked for your smaller local insurance companies. Another search should be for insurance brokers in your area. Not all of these companies will be able to take your information online, but if necessary, it is also easy to just make a quick call and then fax over your policy sheet.

There are a number of websites these days that offer quotes for car insurance from a number of different companies all in one place. Be sure to log on to sites such as esurance.com so that you can find quotes from many of the car insurance companies in the country all in one place, and you should also be able to have access to links for these companies, so you can get all the information on the different policies each company offers. For instance, Geico offers insurance for families with more than one vehicle at a discounted price, and Progressive has an insurance plan that is formulated especially for teens and new drivers.

Remember that the quote you get is an estimate, and the more information you provide, the closer the estimate will be to your actual premium payment. Be sure to confirm the actual price you will pay before you decide on a policy.

Ask about the other benefits that you get with your policy. Allstate has their well-publicized safe driver rewards. You can also get different level services like new car replacement, and discounts for other policies like home, life, motorcycle and even boat insurance. It is a good idea, once you have narrowed down your choices to ask about prices and discounts on these other policies.

You may also receive additional benefits when you've been a customer for a while, such as travel insurance from AIG, as well as flexible payments plans that you can find out about online. Your car insurance online quote may also include options for payment, and in most cases, you can pay your car insurance bill online through your bank account, and you can find out about changes to your account or policy at your own pace.

Within a few hours, you should have your choices narrowed down to 2 or 3 companies. A little more research and you can make your best choice. Just like other online shopping, you just saved some money, hopefully a lot of money every month on your car insurance, and maybe on your other insurance too.
About the Author
Before you start your online search for an auto warranty or for car insurance, check out the resources on our site.
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