How to Get Car Insurance Quotes Online
Perhaps you’re a new driver, or maybe you’re not pleased with your current car insurance. Either way, you’ve heard that more and more people are shopping online for affordable coverage—in fact, 74% of consumers went online to shop for car insurance in 2016—and now you’re wondering how to get car insurance quotes online. Wonder no more. Read on for tips on how to get car insurance quotes online.
There are several big-name car insurance companies that have staked their reputations on their ability to offer virtual quotes.
They tend to offer car insurance at a lower price than their brick-and-mortar counterparts, which works out great for consumers looking for a cheap and convenient way to get coverage.
To start shopping for car insurance quotes online, you’ll need to collect some background information first.
Most car insurance companies will ask the same basic questions.
Car insurance companies collect specific tidbits of information about you that directly affect your car insurance quotes.
That’s because they tell car insurance providers something about the risk associated with offering you coverage.
Insurance providers prefer to extend coverage to low-risk people, so if you meet some high-risk checkboxes, be prepared to pay extra on your monthly premiums.
So what do they need to know about you?
Your age and gender.
Males age 16 to 19 are twice as likely to die in a car accident than any other age or gender group, which means they cost more to insure and they tend to pay higher premiums. That said, your personal driving record plays a bigger role in your insurance coverage than your census checkbox does.
Where you live.
Urban drivers usually pay more than their rural brethren. Local car theft and vandalism trends can also drive prices up, as can extreme weather conditions.
Your credit history.
A good credit score makes you a low-risk candidate for insurance, which will earn you lower insurance quotes.
Your driving record.
Previous accidents and traffic violations will bring your premiums up. Your rates may also be high if you’re a new driver since providers can’t take a peek into your past habits.
If you drive a model that is commonly stolen or costs a lot of money to repair, your rates will likely be higher.
Once you have that information handy, you’re ready to start shopping.
Shop (online) till you drop.
The ability to shop around is a key component of understanding how to get car insurance quotes online, so be prepared to do a lot of it if you want the best deal.
So do some searching and get ready to plug in your personal information for your quotes.
Some companies may ask for an email address before they’ll talk numbers, so be sure you’re working with reputable providers before offering your info.
Save time by visiting a comparison website for car insurance
A car insurance comparison website pulls quotes from a variety of sources and compiles them all into an easily comparable list.
That makes it easier to compare and contrast before you pick your policy.
Think before you commit to a plan.
Your car insurance is a major part of your financial health, so take the time to consider the ins and outs of each plan before signing on the dotted line.
To make your final decision, you should take more into account than just the monthly premium.
If you plan on doing a lot of highway driving, you may want to pay a higher price tag for extra collision coverage.
Remember, car accidents are more likely to happen between 3 and 6 p.m. on weekdays. Even if you’re a great driver, it makes sense to be prepared for that rush hour chaos.
Similarly, if you know you’ll be doing some high-risk driving, you may want to choose a plan with higher monthly premiums and a lower deductible.
If chances are high that you’ll have to make an insurance claim, you’ll be thankful for that you have to pay less up front for vehicle repairs.
These Car Insurance Quotes Are Too Darn High
So what happens if you shopped around and your car insurance quotes are still too high? You have a couple of options to make the numbers work for your budget.
1. Bundle Up
Consider bundling together other forms of insurance on one plan from a single provider.
Chances are you’re already paying someone for your homeowner’s, renter’s, or even pet insurance, so why not simplify the process by switching all of your accounts to one provider?
Many online car insurance companies offer a variety of insurance plans to their customers and you may be able to score some serious savings by consolidating all of them under a single company.
Bundling has the added bonus of simplifying your monthly payment schedule, too.
2. Look Closer for Discounts
If you meet some special circumstances, you may be eligible for more discounts from specific car insurance providers.
Drive very little throughout the year? That could be a discount.
Avoided an accident for five or more years? That could be a discount.
Taken defensive driving? It’s finally paying off because that could be a discount.
Look closer and you may be able to make your good driving habits work for you.
3. Work on That Credit Score
Just be aware: Almost every state requires that drivers carry some form of car insurance.
If you do opt to wait until your numbers are on the up and up, you need to make other arrangements to get you from point A to B.
4. Focus on the Future
A poor driving record coupled with a low credit score can really drive up your car insurance premiums.
If you can’t do without driving, it may make sense to make other sacrifices in your budget to afford a higher premium.
You can always shop around for new quotes once you get a few wrinkles ironed out. Just maintain a clean driving record and work on that credit score before hitting the online marketplace again.
For more information on how to get car insurance quotes online, visit Credit Squared.
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