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...

Full Bio →

Written by Rachael Brennan
Licensed Insurance Agent Rachael Brennan

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...

Full Bio →

Reviewed by Jeffrey Johnson
Insurance Lawyer Jeffrey Johnson

UPDATED: Jun 29, 2022

Advertiser Disclosure

It’s all about you. We want to help you make the right coverage choices.

Advertiser Disclosure: We strive to help you make confident car insurance decisions. Comparison shopping should be easy. We are not affiliated with any one car insurance provider and cannot guarantee quotes from any single provider. Our partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.

Editorial Guidelines: We are a free online resource for anyone interested in learning more about car insurance. Our goal is to be an objective, third-party resource for everything car insurance-related. We update our site regularly, and all content is reviewed by car insurance experts.

In a nutshell...

  • Buying car insurance online is perfectly safe
  • Premiums may be lower when you buy online versus at a physical location
  • More car insurance carriers than ever are selling policies online

When you think about car insurance, one of the thoughts that should come to mind is a feeling of comfort and safety.

If you are involved in a car accident, the comfort comes from knowing that you will be reimbursed for the losses that you have suffered.

Is it indeed safe to purchase a product/service as outstanding as car insurance over the Internet without ever actually speaking with the company on the phone or in-person?

We will elaborate more below, but the simple answer as to the safety of buying online is that, yes, purchase car insurance online is perfectly safe and appropriate.

Get started by comparing quotes from several insurance companies in your area. Just enter your zip code above to begin.

The Push to the Internet


Car insurance carriers are not selling their policy offerings to the Internet because they do not want to talk to consumers.

Instead, they are doing it to offer more value. Car insurance carriers want to reduce the amount of overhead that they have.

This drives down their expense ratio and allows them to lower their premium dollars being charged while remaining profitable.

The push to the Internet for a car insurance carrier means that they will be able to allow you to buy a car insurance policy and become a customer without an employee having to do much of anything on their part.

FREE Car Insurance Comparison

Compare quotes from the top car insurance companies and save!

secured lock Secured with SHA-256 Encryption

Buying Car Insurance Online is Safe

The fact of the matter is that buying car insurance online is perfectly safe.

If anything, it may even prove to be safer than meeting with someone in-person and buying the policy on the spot there at a physical Insurance location.

When you are buying online, the computer logic is doing all of the work for you.

Your premium is calculated as you enter your information which includes the following:

  • Your name
  • Your address
  • Your car information

The reason why it may be safer to buy online rather than even in person is that, usually, computers make fewer mistakes than humans do.

When an insurance underwriter is physically typing up your policy based on what you have written down on a paper application, the risk of user error is going to be more prevalent than the computer doing it automatically for you online.

Car Insurance on Your Terms


Car insurance policies should be something that is purchased on your terms, and when you buy online, that is what happens.

You are going to get a beautiful visual display of all of the coverage options that you have available to you, what type of discounts that are going to apply, and so on.

If you want to do research at midnight, you can do that online and buy a car insurance policy on the spot.

Be sure to compare all of the rates that are being offered, and make the best purchasing decision for you and your family’s car insurance.

Consumers should feel comfortable about buying a car insurance policy online and should take advantage of the offerings that are being made available to them.

With an online presence, an insurer can be compared to a slate of others in just a few minutes time. Use the tools that are available online to find the most value from the coverage offerings and premiums you are being asked to pay in exchange for them.

Compare quotes today by entering your zip code into our free rate comparison tool!

Car insurance should provide you with a sense of safety and comfort, whether you buy it online or in-person at a physical location.