Car insurance providers typically provide online quotes and purchasing capabilities. You can shop for auto coverage quickly – in as little as an hour!
Process may be lengthy if you require providing extensive details of your driving history and vehicle, along with adjusting coverages until finding an affordable rate that meets your needs.
Get a Quote
At the core of online purchasing of insurance is getting an insurance quote. This can be accomplished either through comparison sites or an insurer’s website, and being honest when inquiring is key for making sure apples-to-apples comparisons. Factors which could influence this include your car value, driving record and whether a spouse should be listed on your policy.
Once you have received quotes and evaluated them, decide which company offers the most cost-effective rate to meet your needs. Also keep customer service and claims handling in mind as you select an insurance carrier. Finally, determine what kind of coverage is necessary; this may include state minimum requirements as well as any extras like roadside assistance and pet protection plans.
Many insurance companies allow policyholders to complete the purchase process online, including filing claims and receiving monthly statements. Some require speaking with an agent as the final step in this purchase; these agents often offer more guidance for policyholders.
Many insurers offer quotes through their websites or price-comparison sites, while price-comparison tools offer multiple quotes at once from multiple companies simultaneously. Some may generate “leads” – future business for insurers or agents who receive your information as “leads.”
Based on your circumstances, the best way to compare rates is to get quotes from multiple providers side-by-side. In order to ensure accurate comparison, make sure each quote provides similar coverage and limit options so you’re comparing apples-to-apples.
If you have bad credit, it is wise to find a company that won’t use your credit score as part of their rating process. When choosing the type of policy to purchase for yourself or someone else – such as GAP protection and rental car coverage which cost more than standard liability policies – consider additional features like guaranteed asset protection (GAP) or uninsured motorist protection which might come at an extra cost. Furthermore, additional coverage might protect against potential expenses like legal fees after an accident and uninsured motorist protection can provide more security against unexpected expenses than just liability policies alone can offer.
Purchase a Policy
Once you’ve selected a policy, the next step is payment. Most insurers accept credit/debit cards as well as electronic funds transfers for payments made online; once this payment has been completed, an insurer will send a policy document out for signing and coverage will begin. Before making payment, make sure to review the details of your policy on its website as well as check its Better Business Bureau rating and TrustPilot score to make an informed decision before making a final decision.
At first, buying car insurance online on your own can take longer. An agent with extensive knowledge in car insurance matters can guide you through the purchase and provide details such as discounts unavailable through comparison websites. With proper information available to you, this process could typically be completed in under an hour from your computer screen.
Make a Payment
GEICO’s online account makes making payments on auto insurance easy and efficient. One popular method is direct electronic funds transfer from bank. Simply provide their checking account number and routing number and the insurer will automatically withdraw payments when due – saving both time and money! This way of paying reduces missed or late payments as well.
Other payment options include using checks or credit cards. Most companies accept both forms of payment; some may charge a service fee. Credit card users should send their payments well ahead of due dates in order to avoid late fees and potential gaps in coverage.
If you need help choosing which payment method best fits your needs, get in touch with a representative of your insurer to discover which ones they accept and which options provide peace of mind knowing your car insurance is always up-to-date.