Shopping for car insurance can be confusing and overwhelming. Fortunately, the Internet has made buying auto insurance much easier than it used to be. By purchasing a policy online, you eliminate the need to drive to your insurance agent’s office to argue over coverage and deductibles. You also reduce the risk of buying a policy that is not right for you.
Buying Insurance Online
Almost all major car insurance companies give shoppers the option to quote and purchase a policy without leaving their homes and most of the questions they ask are similar. However, obtaining a quote online can be risky if you do not fully understand what constitutes a good rate in terms coverage and deductibles, so consider working with an agent if you are not comfortable with the process.
Finding the Right Company
Larger insurance companies can spend more on marketing, so you may be drawn to them first. It is important to do your research before purchasing a policy, and base it off of your needs, not the company’s campaign.
Government Employees Insurance Company (GEICO) began with a focus on military personnel and government employees. Currently, they have over 10 million policies and 16 million insured vehicles. If you are interested in purchasing a policy from GEICO, their website allows you to request free price quotes at no obligation on any vehicle you choose. Simply enter your customer contact information, the make, model and year of the car, how the vehicle is primarily used, the estimated mileage you travel each year and whether you own, lease or finance the vehicle. Once you enter vehicle information, safety features that your car has will automatically pop up, indicating that you may be entitled to a discount.
You will then need to answer a few questions regarding driver information for all drivers in your household, such as driver history and whether you have had any accidents, traffic tickets, thefts or vandalisms in the last five years or any DUIs in the last 10 years. If the answer is no, you are entitled to another discount. GEICO requires current insurance information, if applicable, and asks for the bodily injury limit coverage amount.
After you complete your household information, GEICO’s online quote process designates a specific section to ask you about discounts you can receive for things such as safe driving, having safety features on your car or association with certain organizations. Once you have answered these questions, GEICO will provide a policy and comparison quotes for you to choose from and purchase.
Allstate, one of the leading insurance companies in the country, sells more than 13 major types of insurance. Similar to GEICO, they offer customers the opportunity to purchase a policy online. First, enter your ZIP code and the type of insurance you want. You must then fill out a “Driver’s Profile” for each individual driver and enter your household information such as whether you own or rent your home.
Allstate then asks you for your employment status and occupation, as well as the make, model and year of your vehicle. The website will provide you with quotes to compare and will finally give you the option to purchase a policy. You can have an electronic copy of your policy emailed directly to your inbox.
Before you even begin to request a quote from Progressive’s website, they ask you if you would like to bundle car insurance with another insurance policy such as homeowners or renters insurance for even bigger savings. You must enter your name, address and date of birth before you can begin to add vehicles to your quote. Start by selecting the type, year, make and model of your car. Then enter the body type, what the car is primarily used for, business or personal, how many miles you drive to work or school one way, your estimated annual mileage, the ZIP code where the car is kept, whether you own or lease the vehicle and whether or not it is equipped with a tracking device.
The next page asks you to provide details about yourself and your license including your employment status and occupation, the highest level of education you have completed, your age at the time of your first driver’s license issuance, if the license has been suspended, your primary residence and your marital status. Progressive will also ask if you have had any DWIs in the last 10 years, accidents that were your fault in the last 5 years, or any not-at-fault accidents, claims or violations in the last three years.
Finally, note last minute details such as if you already have a different policy with Progressive, if your family is currently covered by health insurance and your previous car insurance history. After all the information is completed, Progressive will give you a quote in a matter of seconds.