About Auto InsuranceAuto insurance lends itself nicely to online evaluation and purchase for several reasons:
- You can fill out one secure auto insurance application at a comparison site, at your convenience, and get quotes from multiple providers. This saves you both time and money.
- You can revisit your account at any time, without entering all your information again, to make sure you are still getting the lowest price coverage for your needs.
- Auto insurance rates are regulated, so the quotes you receive online from a comparison site will be the same as if you called the company directly, or went to an offline agent.
Auto Insurance Coverage InformationMost auto insurance policies are comprised of a variety of coverages, to protect the insured from damage to the car, occupants of the car, or uninsured motorists.
How to Save on Auto Insurance
- Every insurance company looks at the same risks differently, which is why it is so important to compare policies from a number of companies so that you pay the least amount possible for the coverage you want.
- However, there are a number of things you can do that may result in lower quotes across the board:
- If you have more than one car, put them all on the same policy
- If you own a home, have your homeowners and auto policies with the same insurance company
- Take a defensive driving course
- Install a car alarm or other theft-prevention devices
- Increase your policy deductibles
- Reduce your car's annual mileage and/or take public transportation to work
- Have a clean driving record (recent incidents will impact your quotes more)
- Indicate if your car has automatic seat belts, airbags and/or anti-lock brakes
- Senior citizen discounts
- Youthful driver discounts (may be available if a professional driver education course taken)
- Eliminate collision coverage on older, less valuable cars
- Review your auto insurance policy at least annually --- make sure you only have the coverage you need, and make sure there isn't a better rate out there --- the Internet makes it easy to switch