“How to Save Money and Time with Online Car Insurance”

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How to Buy Car Insurance Online

Shopping for car insurance online can be straightforward and convenient. Here are some steps to help you navigate the process:

1. Gather Information

To get a car insurance quote, you’ll need to provide details about yourself, your vehicle(s), and any other drivers you want to cover. This includes:

• Name, address, and birth date for every driver
• Year, make, model, and vehicle identification number (VIN) for all vehicles
• A list of any accidents or traffic tickets from the past three to five years

Review your current auto insurance policy to compare coverage options and costs accurately.

2. Review Coverage Requirements

Each state has minimum liability coverage requirements for bodily injury and property damage. For example, Connecticut requires $25,000 in bodily injury coverage per person per accident, $50,000 in total bodily injury per accident, and $25,000 in property damage coverage per accident. Be aware of your local requirements when shopping for insurance.

3. Enter Data and Choose Coverage Preferences

Fill in the online form with information about vehicles and drivers. Choose your coverage options based on your budget and the value of your vehicle. Consider additional coverage options like glass replacement, rental car payment, and roadside assistance.

4. Compare Quotes

Request quotes from multiple insurers to find the best deal. Use tools like Experian’s car insurance comparison tool to get quotes from over 40 top insurers. Adjust your coverage options to see how they affect premiums and focus on the best deals.

5. Read Reviews

Research customer reviews and ratings for unfamiliar insurance providers. Look for companies that respond promptly to claims and have accessible customer service.

6. Finalize Your Policy

Once you find a satisfactory deal, complete the purchase by responding to an email or signing an electronic document. Download and print your insurance cards or add them to your digital wallet.

Is It Cheaper to Buy Car Insurance Online?

Online rate quotes may be lower than those from an insurance agent due to the absence of sales commissions. However, agents can help you find discounts that might not be available online, potentially saving you money even with a commission.

Pros and Cons of Buying Car Insurance Online

Pros

• Speed: Get quotes from multiple insurers quickly.
• Convenience: Shop for rates anytime without worrying about office hours.
• Instant coverage: Make a payment and print your insurance cards immediately.

Cons

• Limited ability to ask questions: Online help features may not provide the same level of assistance as a live person.
• Follow-up calls: You may receive sales calls after shopping online.
• Limited info on discounts: Some discounts may only be accessible through an agent.

Does Buying Car Insurance Hurt Your Credit?

Buying car insurance does not affect your credit. Car insurance payments are not tracked on credit reports. However, if you stop paying your premium and your account is sent to a collection agency, it could hurt your credit score. Insurers may use a credit-based insurance score to set rates, but these are soft inquiries that do not affect your credit score.

The Bottom Line

If you’re comfortable with online shopping, comparing and buying car insurance online can be quick and easy. Start with Experian’s car-insurance quote comparison tool to potentially save money on your car insurance.

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