Top 5 Tips for Buying Auto Insurance Online

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Sara Routhier, Managing Editor and Outreach Director, has professional experience as an educator, SEO specialist, and content marketer. She has over five years of experience in the insurance industry. As a researcher, data nerd, writer, and editor she strives to curate educational, enlightening articles that provide you with the must-know facts and best-kept secrets within the overwhelming world o...

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Cynthia Lanctot is an insurance professional with ten years of industry experience. Cynthia is licensed in several states, and holds an associate in claims law, as well as a bachelor’s degree in English. Cynthia’s experience includes the New England and Northeast states. She currently works as a liability claims professional and an occasional online contributor.

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Reviewed by Cynthia Lanctot
Licensed Agent

UPDATED: Mar 30, 2021

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When it comes to buying auto insurance online it is a good idea to have a few useful tips to help get your started. If you are going to invest the time and money to get a policy going you should at least be certain you are getting the best rates possible. Too many drivers make the mistake of overpaying when it comes to their car insurance. Luckily, you don’t have to be one of them.

# 1 — Find Out What You Must Have

If you get to talking about auto insurance while you are looking for better rates, it can be enough to make your head spin. Even if you think you have a grasp on what you need you may get confused if you start talking to an agent. First find out whether the state you live in requires liability or no fault insurance coverage, and how much the minimum is.

For instance, your state may have a liability minimum requirement of 25/50/20. This means you must have at least $25,000 for bodily injury coverage person per accident. The second number represents the $50,000 you must have for bodily injury total for an accident. The last number which is $20,000 is what you must have in place for the total per collision in any accident in which you are the at fault driver. In addition to your state minimum, you may want to also carry extra coverage that goes above and beyond these minimums.

# 2 — Check Before You Buy

You may plan on buying auto insurance online for a car you already have. In that case, make sure you are meeting the minimum requirements as mandated by your lender. For smart car and car insurance buyers, looking into auto insurance rates before deciding on a vehicle is the best way to play it safe. As you price different vehicles you are interested in, you can also price the different potential policies for them.

By doing this, you would be able to find out which car would end up saving you the most when it comes to your monthly premiums. Without checking first, you could end up with monthly car insurance rates that cost as much as the car payments. The best thing to do is price insurance for FREE using just your zip code on cars you are considering.

# 3 — See How Much Additional Coverage Will Cost

Now that you are taking the opportunity to shop for online auto insurance quotes you should find out what getting more than the bare minimum coverage would be. While you may have always wanted more than the state minimum required to protect yourself you may not have been able to afford it.

By getting competitive quotes from other companies you should be able to find more coverage than you currently have and at rates that are the same or lower than what you are already paying. Don’t settle for the minimum required when it could still end up costing you a great deal out of your own pocket. Having the state minimum will make it possible for you to avoid being in trouble legally. However, if you are involved in an accident and the damages for bodily injury or personal property exceed the amounts you have in place you will have to cover these costs instead of your car insurance provider.

# 4 – Consider Key Factors

Before you get into buying auto insurance online you should also be aware of the major key factors that determine what your rates will be. Consider these things before you get your quotes:

  • Your driving record – Obviously, the better your record the cheaper your monthly auto insurance premiums. If you are a new driver because you lack driving experience you will automatically be classified as a ‘high risk’ driver which is the highest price range you can be in. However, by getting auto insurance rate quotes, any kind of driver can usually find lower prices.
  • Your vehicle – The car you drive and how much you drive it will play a part in the premiums you pay. A red convertible, sports car will end up costing you a great deal more than a sensible family car with high safety ratings. In fact if you add safety features to a car you already own you may even be able to get your rates to drop. Even getting anti-theft devices like a car alarm to reduce the risk of theft will lower your premiums.
  • Your zip code – Even more exact than the state you live in is the zip code you reside in. For example, urban areas tend to have more claims filed than suburban. Your zip code can even alert to what the road conditions are like or how much road work that can be a potential hazard is currently happening. All of these factors can seriously influence the rates you pay.

# 5 — Compare Rates

The absolute best way to make sure you get the cheapest deal possible on your car insurance is to shop around. Of course, the easiest way to do this is to get the FREE quotes delivered to you by using just your zip code to get this kind of information.

You can gain access to numerous quotes from auto insurance policy providers so you can be assured you are getting the most affordable premiums possible. You never have to settle for less coverage than you want at higher premium costs than you want. Be a smart driver and consumer by comparing rates before deciding on a policy.

Keep in mind – there are also ways you can save more like paying annually instead of monthly or going with paperless billing. However getting your quotes will help give you a starting point for how much you could be saving and then you can see how to save more from there.

What are you waiting for? Using nothing more than your zip code you can start comparing quotes now. In no time, you will be buying auto insurance online that is cheaper than you thought possible.

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