Rachael Brennan has been working in the insurance industry since 2006 when she began working as a licensed insurance representative for 21st Century Insurance, during which time she earned her Property and Casualty license in all 50 states. After several years she expanded her insurance expertise, earning her license in Health and AD&D insurance as well. She has worked for small health in...

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Jeffrey Johnson is a legal writer with a focus on personal injury. He has worked on personal injury and sovereign immunity litigation in addition to experience in family, estate, and criminal law. He earned a J.D. from the University of Baltimore and has worked in legal offices and non-profits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman Univer...

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Reviewed by Jeffrey Johnson
Insurance Lawyer

UPDATED: Jul 14, 2021

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In a nutshell...

  • Young drivers are considered a risky investment for insurance companies
  • Some car owners look for collision coverage and comprehensive coverage as supplements to their car insurance
  • Each state is different when it comes to what they require for insurance

You can buy many different types of car insurance policies online.

What’s very useful about online shopping for car insurance is the ability to gather information on quotes and products from several companies.

Even if you choose to go into a company’s local office or to purchase over the phone, you can feel at ease knowing you shopped around and found the best fit for your individual needs and budget.

Enter your zip code above to get FREE car insurance quotes today!

What do you need before purchasing car insurance online?

First, you need to research different quotes from different car insurance companies. Auto insurance prices are based on statistics and potential risks.

Several factors are taken into consideration such as:

Sometimes is a good idea to order a copy of your driving record along with your credit score. Both of these can be variables for the amount of premium you pay per month.

When looking over both your driving record and credit score, make sure there are no errors as they could keep you from getting the best car insurance rates.

However, it’s important to keep in mind that you might need more coverage and your state minimum might not be enough. If you need additional coverage or specific protections, knowing this before you start shopping can be useful.

There are also additional options such as roadside assistance and rental reimbursement.

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What are some discounts you might qualify for?

Many companies offer car insurance discounts and the better your driving record, the more discounts you typically qualify for. Learn more about car insurance discounts here.

For those looking for lower monthly premiums, they can do so by opting to have a higher deductible. A deductible is an amount you pay out-of-pocket to fix your vehicle.

Customers who have been with one insurance agency for many years can ask for discounted car insurance. Car insurance companies appreciate loyalty, and many are willing to reward their customers who have stuck with them.

For those who are willing to do so, some car insurance companies also offer discounts to those drivers who complete driver safety courses.

Some insurance companies will offer young drivers discounts for having good grades in school.

What do you need for information before shopping online for car insurance quotes?

While some online insurance companies only require a zip code to give you an estimate of car insurance rates, most will need more in-depth information to provide you with an accurate quote.

What you’ll need to get an accurate quote is:

  • The insured/driver’s license number
  • Their age
  • Whether they are male or female
  • The number of drivers that will be covered by the plan
  • The description of the car or cars on the program will be needed as well. Make sure you have the model, make, year, and the VIN for each vehicle you plan on insuring.

Other useful information includes specifying:

  • The limits and coverage you are looking for in a plan
  • What neighborhood you live in
  • Where you park your car overnight

Who are the most popular insurance car companies to buy from online?

There are many excellent car insurance companies to buy from online. Almost all national car insurance companies offer a way to buy car insurance online, and even smaller insurance companies also do.

In fact, it’s pretty hard not to find a car insurance company that doesn’t have some online buy it now coverage.

However, when choosing a car insurance company, it’s all about finding a provider who can offer the coverage you need and not necessarily the most popular company.

Researching at least a handful of car insurance companies before selecting an insurer is one of the best ways to find affordable and reliable coverage.

Enter your zip code below to get FREE car insurance quotes today!