Online car insurance :

Finding cheap online car insurance

Finding cheap car insurance online can be a lot like finding a needle in a haystack. It’s long and frustrating and can lead to fits of uncontrollable swearing and temper tantrums. However, unlike the endless quest for that needle, finding the least expensive online insurance has a point. The more coverage you can get at the lowest price means more money in your wallet and a lot less stress about paying your other bills.

But which companies have a offer to buy insurance online ? That really depends on what you’re looking for. The amount of coverage you want will determine the price, along with your age, driving record and where you live.

But how much would a insurance company charge a 21 year old male living in the suburbs outside of Boston ? Let’s say that 21 year old is looking only for liability coverage, forgoing comprehensive, collision and medical coverage for a 1995 Chevy Cavalier. Let’s assume he has a clean driving record with no accidents or speeding tickets reported. If he selects all the minimum liability amounts for bodily injury, property damage and personal injury, his premium will be $83.30 a month, or $999.60 per year. That same 21 year old living in Carmel by the sea in California would pay $56.32 a month or $675.84 a year for insurance, under the same conditions, searching for the same amount of coverage.

As any smart shopper would, it pays to check out the competition. A quick visit to another insurance web site, using the same criteria with the same 21 year old male, shows he would be paying an annual rate of $799 in suburban Massachusetts and $695.54 in sunny California. So the 21 year old in Massachusetts would be smart to choose the second company for his car insurance, while the 21 year old in California would more than likely choose to get car insurance online from the first company.

Why the discrepancy ? Different states demand different minimums for liability coverage. Massachusetts sets minimum bodily injury liability coverage at $20,000 with a maximum payout of $40,000 per accident, along with a $5,000 limit for property damage. There is also a mandatory minimum for any uninsured drivers who might get behind the wheel of your car, also set at $20,000 with a max payout of $40,000. In California, the minimums are lower, with bodily injury set at $15,000 with a max payout of $30,000 and a minimum $5,000 property damage liability coverage. California does not require drivers to carry coverage for any uninsured or casual drivers who might get behind the wheel.

One good indicator of where to start looking for cost effective insurance quotes online is consumer surveys. Surveys rank customer satisfaction with insurance companies annually.

One thing cannot be stressed enough : where you live plays a large role in determining how much you pay. Keep in mind, our 21 year old in Massachusetts was living within 25 miles of a major urban centre, with a higher population density than picturesque Carmel by the sea. In fact, Massachusetts is one of the more expensive states where one can obtain insurance. In a nationwide survey done in 2005 (the latest figures available), five Northeastern states (New Jersey, New York, Massachusetts, Rhode Island and Delaware) ranked in the top 10 most expensive states for online insurance quotes. Connecticut comes in at number 11. Drivers in New Jersey drivers pay an average of $1336.20 in premiums a year. Only Maine, with its sparse population, ranked in the top ten for lowest auto insurance quotes online. The Midwest makes up the rest of the list with Iowa being ranked the cheapest place to obtain online auto insurance. Drivers in Iowa drive easy knowing they’re paying an average of $664.20 in premiums every year.

When you do start looking for insurance quote online, be sure to prepare. Remember that no one company offers across the board cheap insurance online rates, and be sure to compare online auto insurance quotes. Take advantage of any discounts you might be eligible for, including multiple car options and group rates. The best thing to do is find a rate that you can afford that covers everything you want. Don’t let a cheap online insurance quote that cuts corners entice you, because in the end, you get what you pay for.

Buy car insurance online

Shopping for auto insurance online can be a frustrating and a time consuming activity. Making sure you have the best coverage for the least amount of money requires you to shop many different agencies and compare online auto insurance quote. The best way to make the car insurance buying process go as smoothly and easily as possible is to shop online and compare free auto insurance quotes online, different companies, plans, and different auto insurance quote online from the comfort of your home computer.

Comparison shop web sites

Finding a free online auto insurance quote company is easy. Doing an internet search for “purchase auto insurance online” or “auto insurance online quotes” in any online search engine will bring you results of companies that offer online auto insurance purchase and allow you to compare auto insurance quotes online free and rates within that company and with their competitors. Have your personal information ready : name, Dob, drivers license, and phone number as well as the detailed information of your vehicle: make, model, year, and possibly the VIN number. All of this information can be found on your vehicle’s registration paperwork or its title.

Know your limits

How much each month can you afford to spend on car insurance ? How much coverage and what kind do you really need ? What is the difference between collision and comprehensive coverage ? Do you need both ? What are your state’s minimum requirements for coverage ? All of these things are questions that you will need answers to in order to save yourself the most money and get the best coverage from online quotes for auto insurance. Depending on your vehicle, driving history, and past insurance claims, your rate will vary from company to company.

If in doubt call an agent

If you are confused by the information you find online, choose an agent from one of the web sites and give them a call with your questions in hand. If they are a good agent they will patiently answer your questions without high pressure selling you. Remember, it doesn’t cost you anything to get a free auto insurance quote online, and the insurance agent needs your business more than you need to give it to them if they start to pressure you into coverage.

When you begin your search to find affordable online quote auto insurance, be patient. There are a lot of choices out there, some good, some not so good. Do your research and find out what your state requires for insurance. Decide how much you can spend on insurance. Decide how much you really need on your vehicle. Begin your comparison research online for free online quotes auto insurance, and if you have any questions, call an agent. Do not let yourself get talked into coverage you do not need by a pushy insurance salesperson. Keep these things in mind and your patience in check and you will successfully find affordable quotes for auto insurance online.

Online car insurance

Online car insurance

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