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UPDATED: Mar 13, 2020
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Many people wonder if you can find the best car insurance online. The fact is, the Internet is the most effective place for you to find the best car insurance. The Web makes finding and comparing insurance policies a quick and easy endeavor. Try our FREE ZIP code search to start saving today!
Use Internet comparison tools and online car insurance quotes to select the best insurance company, policy and rates for your car insurance needs. Start your search today with our FREE quote comparison tool!
Internet Comparison Tools
Using an online insurance comparison tool, you can compare insurance companies and quotes in a side by side comparison. Before the Internet, you would need to visit or call each and every insurance company to discover their rates.
Before you visited or called the insurance companies, you would need to compile a list of questions to find the insurance policy that was right for you.
With the advent of Internet comparison tools, the consumer is able to perform a search for exactly the type of insurance they need. A list of companies is displayed to them in a matter of seconds.
The user is then able to see a list of insurance companies that offer the policy type they are seeking.
After the insurance consumer discovers the many companies that offer the type of insurance they are seeking, they may then query a select group of the companies for a free online car insurance quote.
With the availability of online service, insurance companies can respond with a quote in a matter of minutes.
After the insurance consumer receives online quotes from several companies, the shopper is able to compare policies and car insurance rates to select the best possible policy for their needs.
Insurance companies are very responsive to quote request, and all insurance companies provide quotes to potential customers for free.
When seeking car insurance quotes online, you will be asked for your zip code and/or address. The location where you live is affects your car insurance rates. In addition, your age, marital status, gender, as well as the type of insurance you are looking for will affect the rates you are quoted.
Finding the best car insurance online is actually much easier than attempting to find the best policy and rates without Internet access. No more need to sit with the phone and call each and every car insurance company to ask about the policies that offer that would fit your needs.
No more listing each company’s policy on a piece of paper to compare each policy with policies offered by other companies. No more confusing company rates with one another.
Internet comparison sites, along with the availability of online quotes makes shopping for insurance easier than it has ever been.
Comparing Insurance Policies and Rates
To use an Internet comparison tool to compare car insurance policies and rates, first enter your zip code (and address, if required) to narrow down providers that are local to you. Next, answer any questions on the Web form to further narrow your search.
For example, you will need to provide your personal data, such as your age or birth date. You will also need to provide your gender and marital status. In addition, you may be asked to provide a description of the vehicle or vehicles you wish to insure. You may be asked to provide answers to questions related to the type of policy you seek.
You may also be asked to provide your expected budget for car insurance.
Once you have filled out the Web form with all the required information, the comparison tool searches a large database for companies and policies that match your needs.
You are then provided with a list of results. The results contain car insurance providers that sell the types of policies you need. Many comparison tools allow for side-by-side comparisons of policies and rates.
Car Insurance Coverage
Car insurance companies vary in terms of the rates they charge for coverage. In addition, if you own your car outright, versus having the car financed through a bank or finance company, you will be able to choose between Liability Only and Full Coverage insurance.
If your car is financed, the bank or finance company will require that you carry full coverage so that they may recoup any damages done to the car while they hold the title.
States require that all drivers be insured in order to legally drive on the roads. If you own an older car, or if you hold the title to your car, you will be able to satisfy the legal requirement of having car insurance by purchasing a Liability Only policy.
This insurance type covers other drivers and property, should you be deemed to be at fault in a accident. However, Liability Only insurance provides no coverage to repair your own car, nor does it cover any medical or other expenses related to an accident.
Full Coverage insurance coverage includes car repairs for your vehicle, even if you are deemed to be at fault in an accident. In addition, Full Coverage insurance covers theft of the vehicle, and damages done to the vehicle due to vandalism or natural occurrences.
Full Coverage insurance includes a “deductible.” This is the amount you pay out of pocket to repair or recover your car, should you be in an accident or if your car is stolen. The most common deductible, and the one that will most likely be offered first by insurance companies, is in the amount of $500.
However, you have the option to increase your deductible to save money on your premium payments. You can increase your deductible to $1000, particularly if you are a safe driver and have not had many accidents.
By increasing your deductible, you will save a considerable amount on your monthly, bi-annual or annual insurance payments.
Car Insurance Discounts
Several car insurance companies also offer discounts to their customers. For example, many insurance companies offer discounts to those customers who insure their home, as well as their vehicles, with the same insurance carrier.
Many car insurance companies offer discounts to those they evaluate as “safe drivers.” If you do not receive traffic tickets, and have never been in an accident, chances are that your insurance company will put you in the “safe driver” category.
Safe Driver discounts may range from an annual decrease in your deductible, to lower premium payments. Be sure to check with any prospective insurance provider regarding the discounts they offer to their customers.
By comparing car insurance companies and their policy offerings using qn online comparison tool, you can save a considerable amount of money on your policy.
When comparing insurance providers, be sure to check on the rates for the type of coverage you require: Liability Only versus Full Coverage. Start your FREE quote comparison today!
Increase the deductible on a Full Coverage policy to decrease your premium payments, and make sure you find out all of the possible discounts you may receive from all insurance companies you evaluate. Shopping around to compare car insurance policies and rates is a great way to make sure you are getting the best deal on your auto insurance. Use our FREE ZIP code search to compare quotes today!