How To Shop For Car Insurance Online

Posted on

If you are in the market for car insurance, you may find it quite convenient to obtain a car insurance quote online. It's fast, easy and convenient, and it allows you a way to obtain a few different quotes in order to compare premiums and policies.

Here is some information regarding what information you need when shopping for car insurance online, and how the process works:

Gather Up Documentation

In order for you to get the most accurate quote, you'll need to gather up some important information. Before you even start your online search, have the following on hand: 

  • The Vehicle identification number (VIN) for all the cars you will want insured
  • The drivers license numbers for all of the drivers in your home 
  • Your social security number
  • And loan information for your cars, including the balance due and the name of the bank that holds your loan 
  • Your current policy information for a side-by-side comparison 
  • Make, model and year of your car 
  • Your driving history, including accidents and any violations on your driving record 
  • Address of where the vehicle to be insured is garaged
  • Accessories installed on the car, including security system and other safety systems 
  • Payment information 

Start Your Insurance Search

There are a few different ways you can start the search of obtaining a car insurance quote online. You can go to specific websites that have you input your information once, and they will come back with a few different quotes from a few different insurance companies.

Or, you can search out certain companies you want to do business with, and have individualized quotes presented. Be sure to give the same information to each company, as information like your driving record and how many miles you'll drive each year will have a significant role in calculating your yearly premium.

Also, if you have insurance with a company already, such as homeowners or life insurance, you may be able to receive a discount for having multiple policies with one particular company. 

If you are looking to buy insurance for the first time, you'll want to get a few different quotes and try to compare the differences. One policy may be cheaper than another, so take a look at the reasons why. Is a deductible amount higher on one proposed policy than it is on another?

Is one policy quoting you with comprehensive coverage, while another omits that coverage? When comparing side by side, make sure that each policy is offering you the exact same amount of coverage. For more information, contact a company like Scovotti Insurance with any questions or concerns you might have.