Purchasing car insurance is a simple process. With a few clicks and typing in some critical information, auto insurance providers can compete to provide you with policies tailor-made for you! To get the best car insurance rates online, use our simple car insurance tool and compare local rates and coverage. Follow our simple guide to buying car insurance online.
Gather Driver and Vehicle Information
For a car insurance provider to offer a fair quote, they will need some information from you, including but not limited to;
Drivers name, date of birth, social security number
Vehicle information number
Registration information, including where the car is registered and who it is registered to
Prior insurance carrier information
Purpose of the vehicle
How the vehicle is stored (garage, outside, parking structure, etc.)
The basic information above will help the insurance provider review your risk level and determine if they can provide you with insurance. Factors to consider include how far the vehicle will drive annually. If you have a longer commute, you will likely pay a higher premium than individuals who travel only 10-25 miles a day.
Car Insurance Laws
To purchase the right insurance, you will need to take some time to become familiar with car insurance laws. What does your state require? Do you want to meet the bare minimum requirements, or do you want to purchase additional coverage? Almost every state does require liability car insurance. Several states require uninsured or underinsured motorist coverage to pay for costs associated with a car accident caused by an uninsured driver or a driver that doesn’t have enough insurance to pay for the expenses. Some people reside in no-fault states, which requires you to purchase personal injury protection, which covers medical bills no matter who caused the accident.
If you have a car loan, the bank may require comprehensive car insurance to protect their investment in you and your vehicle. Failure to have car insurance could cause you to end up with an expensive ticket or even wind up in jail. Avoid this risk and obtain affordable car insurance to meet your needs and prevent you from financial disaster.
When you are comparing rates, look at your life situation. Could adding in $5 more a month provide you with $10K more in coverage? Finding out what you can afford will make it easier to find rates that work for you. Comprehensive coverage is designed to protect the driver and offers protection against damage related to vandalism, flooding, hail, theft, and natural disasters.
As you compare rates online, look for discounts. Auto insurance providers offer several discounts, especially if you are willing to bundle all your insurance policies together. Here are some of the common discounts offered for auto insurance:
Car safety discount
New car discount
Good driver discount
Defensive driver discount
Paperless billing discount
Automatic payment discount
Alumni or professional organization discount
Find a Fair Premium and Deductible
Drivers often look at pricing when comparing auto insurance policies. What can you afford to spend annually on car insurance? Can you meet the premiums? Can you afford the deductible? If you are a safe driver looking to reduce your premium, call your insurance provider and negotiate. If they don’t budge on the costs, shop around! You don’t need to stay with an insurance company out of loyalty. Look for premiums that meet your budget and still offer the coverage you need.
Just Protect Insurance is here to help you! We compare auto insurance rates frequently and focus on delivering discounts right to you. Use our online shopping tool to compare rates and find and buy car insurance online.