Monday, 3 June 2013

Shopping For Car Insurance Online - How to Find Car Insurance on the Web

Looking for car insurance online? There was once a time where if you needed to pay a bill, buy a sweater, or buy auto insurance; you had to visit the establishment and do these things personally. With the advancements in technology however, and the way it shapes our society nowadays; it's relatively easy to do anything online unless it is visiting your doctor of course!
One of the main tools used by insurance companies in present day society is that of the internet, and auto insurance providers are no exception. With companies like GEICO, Allstate, Esurance, Direct, AIG and Progressive having websites that allow customer's to get a quote and to enroll in their insurance plans with ease, it is relatively simple for customers to decide to join without first shopping around.
It is important to know however, that there are certain websites out there that allow you to get quotes from well-known insurance companies like the ones listed above. Another thing worthy or mention is that these auto insurance websites have no affiliation with the "top-dogs" in the industry and because of that reason they will give you the prices from many different insurance companies to compare and contrast.
Since a car is one of the most valuable possessions, for those who have one; it is important to find the best coverage available for the vehicle. When purchasing automobile insurance online it is important to know the type of coverage that you will need according to your state laws. A good thing to know beforehand is whether your state is one of the twelve states that have some sort of no-fault insurance laws. This means that in case of a wreck both drivers will have to go to their respective insurances regardless of who is at fault. It is important to know this before electing your coverage, because most no-fault states have requirements with minimum personal injury and bodily injury coverage.
Another good thing to know is that in case you are leasing or still making payments on your vehicle you will have to buy full coverage insurance. This is in part due to the fact that in case of an accident you will be paid by your insurance company the value of the car. For this reason you won't only have to obtain personal and bodily injury, but collision coverage and comprehensive coverage.
When going to any automobile insurance website in which you can obtain a quote, you will first be asked to enter the zip code in which your residence is based. This is really important because if you live in a rural area you might be charged a little less for insurance. On the other hand, if you live in a city with heavy traffic and a high accident rate your insurance rates will go up. After filling your zip code, most websites will then take you to a page where they will ask a series of questions that will determine the rate of your coverage. Be prepared to answer questions about the driver/drivers being insured, driving incidents, vehicle/vehicles being insured and coverage. More detailed information on the things you might need to answer in order to get a detailed car insurance quote online are as follows:
Your home address: They will probably ask you the complete address for the same purposes of the zip code. As said before if you reside in a big city, your rate for automobile insurance will be higher. They will also ask how long you have been living in that address (just to see the chances of your moving) and also where you park your car at nights. This last thing is important because theft rates will actually raise your car insurance drastically. Because of this is also good to know the theft rates in your city and how they can affect your automobile insurance.
Information about previous auto insurance: This is very important for them to know what type of coverage you have or had in the past. They will also ask questions about the amount of Personal Injury and Bodily Injury you possess. Another thing to them is to know how long you have had automobile insurance without a gap in coverage. This is due to the fact that the more you have been insured, the lower your rates can be.
Personal Information: You will be asked for your name, your date of birth, your gender, marital status and the age in which you started driving. All this is very important to the automobile insurance companies because they reveal key information about the person requesting the quote. Age is important because older drivers have more experience driving, hence the rate will be much lower than that of younger people; gender is of significance because insurance companies know that males are more likely to be involved in a car accident than women, and marital status is important because this will determine whether you will add another driver to the policy.
Driving Record: This might be the most important factor in determining your rate when trying to get online health insurance. Based on your driving record they will give you an estimate on the money you will have to pay for coverage and also the type of coverage that will be of advantage to you. Most websites ask you if you have had an infraction over a certain period of time. If you haven't then you are free to go to the next series of questions, but if you have it is important to be ready to answer what the violation was and give a detailed description of it.
Vehicle Information: The owner must be prepared to answer questions about the type of car or cars that they will be adding to the policy. For this section it is important to know the year of the car, the model, whether the car has been paid in full, the safety features (air bags, dual-shock brakes) and make sure to note if you have an alarm system. You will more than likely be asked what type of vehicle you will be insuring (sports car, SUV, pick-up, 4-door), in order for the quote to be more accurate.