Enter your ZIP code:

Getting Insured with an Online Auto Insurance Quote

by Penny M. Hagerman

It's no secret that shopping online can help save a wad of cash. From necessities like clothing and shoes to niceties like books, electronics and even cars, most people enjoy the convenience shopping online from home provides 24 hours a day.

But for those who'd like to cut the cost of auto insurance, simply hopping online and requesting an auto insurance quote can garner huge savings, too. 

How to Get the Quotes You Need

It's easy to find car insurance online. Follow these steps to make the process seamless and get insured quickly and affordably.

  1. Enter the auto quote information requested in the quote box and indicate whether or not car and owner are currently insured.
  2. If there's an auto policy in effect, answer the questions presented as honestly as possible.
  3. Have all driver information at the ready to make the quote process quicker. Important information includes names, dates of birth and driving histories.
  4. Determine ahead of time what coverage is needed and how much. This helps save time when comparing quotes.
  5. Provide current or recent auto insurance policy information, including carrier name, effective dates, policy number and cancellation date.
  6. With several auto quotes in hand, experiment by adding additional coverages or raising limits on each online quote. Then decide which quote fits the budget best.

How to Choose the Right Insurance

When applying for a free quote, price plays only one part in shopping for the right policy. But since saving money is the main concern these days, we'll start there.

To ensure the most competitive rate quote, get at least two or three price quotes. When requesting them, provide each insurer the same quote information. Once they know what kind of policy is needed and in what amounts, each insurer can get the personal details that affect rates and offer its best quotes.

Though familiar with large insurance companies, many people aren't aware smaller agencies also exist online that can quote competitive prices on auto insurance. Since it's wise to consider all providers, consider smaller insurers alongside larger ones. Call customer service numbers to find out whether or not questions can be thoroughly, quickly and accurately answered—and claims processed. When filing a claim, this can be one of the most important aspects of having the right policy with the right company.

Search online for the state department of insurance, and inquire about financial stability and reputation for any company before doing business with them. Look for complaints filed, and make sure each insurer is licensed to do business there. Then use a company like A.M. Best to rate each company's financial strength on a letter grade scale. The better the grade, the more trustworthy and sound the insurer.

Finally, trust your instincts, and go with the company and quote that makes the most sense.

List of Articles
No. Subject Author Views
85 Rental Car Insurance: Do You Really Need It? youcomparequotes 17609
84 Auto Insurance: The Secret Weapon for Saving at the Pump youcomparequotes 17938
83 Getting the Cheapest Car Insurance in Your State youcomparequotes 16885
82 Play It Safe for Cheap Truck Insurance Rates youcomparequotes 17319
81 How to Get Discount Auto Insurance youcomparequotes 17689
80 Insurance for Van Lovers youcomparequotes 17373
79 Car Insurance That Fits Your Needs youcomparequotes 17090
78 Online Car Insurance Quotes in 5 Easy Steps youcomparequotes 17274
» Getting Insured with an Online Auto Insurance Quote youcomparequotes 18291
76 Home and Auto Insurance: Sure-Fire Protection in Unsure Times youcomparequotes 17095
75 How to Keep Teen Car Insurance Quotes at Bay youcomparequotes 19332
74 Choosing Cheap Online Car Insurance That Fits Your Life youcomparequotes 17674
73 Auto Insurance from InsureMe youcomparequotes 17593
72 Car Insurance Comparisons Save You Time & Hassle youcomparequotes 17953
71 Car Insurance Companies & InsureMe Save You Money youcomparequotes 18344
70 Buying and Insuring a New Car youcomparequotes 16724
69 Compare Auto Insurance Rates youcomparequotes 17060
68 Safety Measures Lower Auto Insurance Quotes youcomparequotes 16563
67 Getting Car Insurance Quotes, from Beginning to End youcomparequotes 16661
66 The Car Insurance Quote & Ratings Factors youcomparequotes 17149
65 What's Behind Your Auto Insurance Quotes? youcomparequotes 17263
64 How Cheap Car Insurance Can Save You Money youcomparequotes 16591
63 How to Reduce Car Insurance Prices youcomparequotes 17139
62 Getting Insured with Free Car Insurance Quotes youcomparequotes 17334
61 Auto Owners Insurance & Costly Driving Mistakes youcomparequotes 16647
60 Auto Insurance Cost & Your Ride youcomparequotes 17144
59 How No Fault Auto Insurance Works--or Doesn't youcomparequotes 16920
58 How to Get the Cheapest Car Insurance youcomparequotes 16828
57 Selecting a Car Insurance Company youcomparequotes 17530
56 Finding New Car Insurance Following Cancellation or Nonrenewal youcomparequotes 17137
55 Get the Best Car Insurance Rates Around youcomparequotes 17378
54 Factors That Affect Your Car Insurance Quotes youcomparequotes 16416
53 Child Safety Belts Keep Kids Safe youcomparequotes 17080
52 Speeding and Car Insurance Rates youcomparequotes 16779
51 Not At Fault Car Insurance & Accidents youcomparequotes 16920
50 State Auto Insurance Becoming Available youcomparequotes 17209
49 Auto Insurance Gap Narrowed by Insurance youcomparequotes 17653
48 Car Insurance & Roommates or Family Members youcomparequotes 17234
47 PIP and No-Fault Auto Insurance Reform youcomparequotes 16930
46 PIP and No-Fault Auto Insurance Reform youcomparequotes 16834
45 SUVs: Minor Collision, Major Damage youcomparequotes 17386
44 Severe Weather Driving Tips youcomparequotes 17156
43 Avoiding Aggressive Drivers youcomparequotes 18016
42 Safety Tips & Car Insurance for Teens youcomparequotes 17080
41 Insurance for Cars: It's Your Choice youcomparequotes 17038
40 Car Insurance Quotes Save You Money youcomparequotes 17099
39 Finding & Comparing Auto Insurance Specialists youcomparequotes 17959
38 Safety Features Save Lives & Money youcomparequotes 16858
37 Curbing Auto Insurance Prices youcomparequotes 16397
36 Teen Auto Insurance youcomparequotes 16682
35 Car Insurance: Your Questions Answered youcomparequotes 16733
34 How to Buy Car Insurance youcomparequotes 17366
33 Vehicle Insurance: Covering Any Kind of Car youcomparequotes 16645
32 Truck Insurance for Your Pride & Joy youcomparequotes 16439
31 How Insuring a Used Car Can Save You Money youcomparequotes 17283
30 All-in-One Policies Insure Car & Home Together youcomparequotes 17180
29 Credit Scores & Car Insurance youcomparequotes 17789
28 Classic Car Insurance Protects Your Relic Ride youcomparequotes 16303
27 Reducing SUV Insurance Rates youcomparequotes 16821
26 Good Driver Car Insurance Rewards Safe Driving youcomparequotes 17338
25 How to File an Auto Insurance Claim youcomparequotes 16974
24 Avoiding Deer Collisions While Driving youcomparequotes 17444
23 Cheap Auto Insurance through Safe Driving youcomparequotes 16794
22 Auto Insurance Basics That Save youcomparequotes 17201
21 It's Official - Men Are Terrible Drivers youcomparequotes 18687
20 Car Insurance Quote Saves Money and Stretches Income youcomparequotes 17452
19 Auto Insurance Quote Heavily Dependent on Driver Behavior youcomparequotes 16977
18 Car Insurance Quotes Separate Fact from Fiction youcomparequotes 17237
17 How What You Drive Affects Your Auto Insurance Quotes youcomparequotes 17005
16 Cheaper Car Insurance in 8 Easy Steps youcomparequotes 17361
15 Save Hundreds on Your Car Insurance Without Switching to Geico youcomparequotes 16850
14 Your Options in Motorcycle Insurance youcomparequotes 16825
13 The Advantages of RV Insurance youcomparequotes 17200
12 Enjoying the Classics: How to Insure Your Old Relic youcomparequotes 34694
11 Insuring Your Teen Driver youcomparequotes 16958
10 The SR22 & Car Insurance youcomparequotes 16454
9 Auto Insurance & Generic Parts youcomparequotes 17163
8 A Trip Gone Wrong: Summer Breakdown on the Road youcomparequotes 18285
7 Drowsy Drivers, Wake Up! youcomparequotes 16462
6 Cheap Car Insurance Protection You Deserve youcomparequotes 17820
5 Top 8 Safety Picks for Car Insurance Discounts youcomparequotes 17266
4 Drivers: 7 Important Facts about Texting That Could Save Your Life youcomparequotes 21334
3 Buckles: Use Them for Safety, Not for Show youcomparequotes 16767
2 Auto Insurance Quotes youcomparequotes 17227
1 Why You Should Give Thanks -- And Stay Home This Year youcomparequotes 17417
XE Login