YOU ASK:

How to buy auto insurance online?

WE ANSWER:

It is now easier than ever before to buy auto insurance from the comfort of your home. There are numerous specialized websites designed to inform you about the basics and idiosyncrasies of auto insurance and help you find the companies that match your insurance needs.

The websites providing auto insurance online quote tools are especially useful: they allow you to fill in a standard auto insurance application form and then provide a list of all the insurers who offer what you are looking for. You can compare the different quotes yourself, although some websites go even further in doing the comparison for you. This option usually helps individuals looking for auto insurance skip the mediator and make their own informed choice.

Buying Auto Insurance Online

Websites use a standard procedure based on the application forms that auto insurers use to obtain information about every applicant. Application forms can vary from state to state, depending on each state's specific insurance laws, but they are, for the most part, similar.

Unlike other insurance quotes some of which allow you to keep your anonymity, auto insurance online quotes require very specific information - such as your name, phone number, address, sometimes even Social Security number and Vehicle Identification Number. Personal information, such as occupation, marital status and age, is an important factor in determining your auto insurance premiums, and so is information about your driving record and driving license. Younger people and inexperienced drivers tend to pay higher premiums, while people with a clean driving record and a considerable experience behind the wheel are usually given credit for that.

The age, make, type and performance of your automobile are yet another factor which determines your auto insurance rates so you will be expected to provide this kind of information, as well. You might get a significant discount if you provide evidence that you have made steps to make your vehicle safe or taken a safety driving course. Make sure you take advantage of all discounts you might be eligible for.

You coverage preferences also affect your premium: the more complete coverage you want, the higher the premium is likely to be. Most states have minimum liability limits but you are strongly recommended to purchase adequate insurance. You never know what the future may hold.

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