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Shopping Online For Car Insurance – What To Know

Shopping online for car insurance is a common method many consumers use to lower their current premiums. Almost all of the large car insurance companies allow you to view their quotes online, compare options and apply for coverage without paying any fees.

Reputable carriers such as Allstate, Nationwide, Progressive, Geico and Travelers are available on the Internet at their lowest available rates. However, consumers do not have to go directly to their website to secure the best rates. Many reputable websites owned by brokers offer a combination of great rates and constantly updated information.

What Type Of Car Insurance Website To Look For

Obviously, there are hundreds… and perhaps thousands of websites that will provide car insurance quotes. Selecting the site that provides the lowest available rates is your ultimate goal, along with educating yourself with information that will help you understand your policy.

A website that offers numerous articles and information about vehicle insurance is typically going to be a very good resource. If their articles and content appear to be updated daily, it is likely that the owners of the site have a good working knowledge of what companies are the best choices for your specific situation.
It also is important that the website is “state-specific.” This type of destination offers excellent research articles on topics related to your state.

As an example, if you are searching for Virginia auto insurance quotes online, a website that is rich in Virginia insurance-related content will most likely be able to help you. Whether it is pointing out discounts or recommending which companies to quote, the “local flavor” is always helpful.

How Much Information Should Be Given Out

To view accurate quotes from different carriers, it will be necessary to provide some information. The most common items are your zip code, the type of car you own, how the car is driven, the drivers in the household and their dates of birth, and of course details regarding any recent tickets or accidents. Although additional information may be required, it generally is not necessary to provide your driver’s license number, social security number or billing details until you are ready to apply for coverage.

Once the actual application process begins, you will probably be required to furnish the serial numbers of the vehicles you are going to insure along with other detailed information. You will be able to select the method of billing, which can be changed at your request.

What Fees Are Paid To The Broker?

When shopping online for car insurance, you should never pay any fees. There are no costs to using a broker or applying for coverage. If you are ever asked to pay an agent or broker a fee for their services, immediately find a new person to work with.

Brokers are compensated directly from the insurance company and the rate you pay is the same whether a broker is involved or not. However, it is always advisable to utilize an experienced broker’s website because of the unbiased information you receive and the help in the application process that you get.

Buying car insurance online doesn’t have to take much of your time. And often, you’ll be richly rewarded with the money you save on your auto insurance premiums.