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When you buy car insurance online, you can save time and money by researching providers and comparing quotes. Get Tips for Buying Coverage Online
Best Online Car Insurance Companies
Written by: Daniel Robinson, Written by: Daniel Robinson Author Daniel is a Guides team editor and has written for numerous automotive news sites and marketing companies in the US, UK and Australia, specializing in topics related to automobile financing and maintenance. Daniel is a Guides team authority on auto insurance, loans, warranty options, auto maintenance and more.
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Edited by: Rashawn Mitchner, Edited by: Rashawn Mitchner Editor-in-Chief Rashawn Mitchner is a Guides staff editor with over 10 years of experience in the personal finance and insurance fields.
Is it better to take out your car insurance online or go through an agent? It depends on your insurance needs and what you are comfortable doing. In this article, the Guides team explains where you can buy car insurance online and when it would be best to call an agent.
If you already know you want to buy your car insurance online, use the tool above to get started by comparing free quotes from several of the best car insurance companies.
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The Guides team is committed to providing you with reliable information to help you make the best possible decision to insure your vehicle. Because consumers rely on us to provide them with objective and accurate information, we have created a comprehensive rating system to formulate our ranking of the best car insurance companies. We collected data on dozens of car insurance providers to rank companies based on various factors. After 800 hours of research, the end result was an overall score for each provider, with the insurance companies with the most points at the top of the list.
There are three ways to purchase car insurance: contact a company agent, use an independent broker or buy car insurance online. You can also use a free auto quote tool like ours to help you determine the best auto insurance coverage, price, and provider.
The first step is to get a quote either through an insurance company’s website or by using a free car insurance quote tool like the one below.
Once you’ve provided the necessary information, some websites can offer instant car insurance quotes that allow you to see the cost of the level of coverage you choose. Other companies may ask for your phone number or email address and have an agent contact you with your offers and opportunities. Take a few companies so you can compare insurance plans.
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Insurance companies that allow you to purchase an insurance policy online will guide you through the purchasing process, which should be simple. You will be asked to select the coverage you want, as well as additional options such as roadside assistance, towing or accident waiver.
Set up a payment method and enter the required information. Most insurance companies allow you to pay by credit card, although some charge a fee for doing so. Your other option is to pay through a bank by providing your routing number and account details.
If you’ve decided that buying car insurance online is right for you, there are some important things to consider.
Most major car insurance companies offer coverage online. Providers that don’t offer online enrollment and purchasing require that you speak to an agent before finalizing your policy. However, most of the purchasing process can still be completed on the insurance company’s website.
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It may take an hour or less if you have basic information about yourself, your driving record and your vehicle. Online car insurance can take effect from the first payment made.
The process of purchasing insurance online is the same for most companies. If the insurance company offers car insurance online, you can get any standard coverage you need right from your computer or phone. But if you’re looking for specialized auto coverage like traditional auto insurance, you may need to call an agent to explain your situation.
Liability insurance for bodily injury and property damage is required in most states. If you are found at fault for an accident, personal injury liability will pay the medical bills of the other parties involved. Property damage covers repairs to other parties’ cars. No type of liability coverage will cover your own auto damage or repairs.
Uninsured/underinsured motorist coverage helps pay for repairs and hospital bills when an uninsured or underinsured person causes an accident. Medical expense coverages like MedPay and PIP cover your medical expenses after an accident, with varying rules depending on at-fault and no-fault states.
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Comprehensive car insurance includes both comprehensive coverage and collision coverage. Collision insurance covers repairs to your vehicle, regardless of the cause of the accident. Comprehensive coverage protects your vehicle against environmental damage:
Be aware that auto lenders and leasing companies generally require that you carry a comprehensive insurance policy, but comprehensive and collision coverage is not required by any U.S. state.
The best way to get insurance depends on your situation. Car insurance purchased online generally costs about the same as car insurance purchased through an agent, although you may pay a little more if you use an insurance broker.
We do not recommend choosing an insurance company based on whether you can purchase a policy entirely online. You should choose your insurance company based on which one offers the best car insurance rates and coverage for your needs. If the insurance company in question offers car insurance quotes online, you may want to take advantage of it.
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It is generally cheaper to buy car insurance online because there are no agent fees or surcharges. However, an agent can guide you through the purchasing process and help you choose the best coverage. Agents can also help you find car insurance discounts that you might not otherwise know about.
Of course, research any provider before committing to a policy. Even if you want to use an insurance agent, it may be a good idea to compare quotes online first. This way, you can get a better idea of how much car insurance costs and which insurance companies to contact.
According to our rate estimates, full coverage car insurance costs on average about $167 per car. month or $2,008 per year for good drivers. These estimates do not include any policy discounts you may be eligible for, such as a homeowner’s discount or a discount for combining auto insurance with homeowners insurance, renters insurance or life insurance.
Also remember that prices change over time. Car insurance premiums can be affected by state regulations, the number of claims in a geographic area, population growth, etc. In our January 2022 car insurance survey, we found that 41% of respondents had experienced a rate increase for no apparent reason. According to our research, car insurance prices are expected to continue to rise in 2023.
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Of course, car insurance prices also vary from provider to provider. Here’s how the top providers rank based on the cost of comprehensive coverage:
Buying coverage online usually involves getting a free car insurance quote online. Quotes are based on a number of factors.
Even if you buy car insurance online, the cost can vary greatly from location to location. Here are the annual and monthly car insurance cost estimates by state.
In this article, we’ve looked at the process of buying car insurance online, provided tips on how to buy car insurance, and highlighted some of the best places to find car insurance on the internet.
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Whether you buy car insurance online or in person, it’s important to compare several options to find the best rates. Use the tool below to compare online car insurance quotes from the best companies in your area, or read on to learn more about three of our recommended providers: State Farm, Geico and USAA.
State Farm wins our Best Customer Experience award for its comprehensive coverage options, affordable prices, and excellent customer service. Drive Safe & Save™, the company’s usage-based program, offers a sign-up bonus and can save good drivers up to 30% on premiums when renewing their insurance policy.
In an August 2022 consumer survey, we asked nearly 7,000 auto insurance customers about their experiences with their auto insurance companies. Among the 19% of respondents who had a government agricultural policy, the majority were generally satisfied with the company:
In our industry review, we ranked Geico among the best car insurance providers in the country. Geico policies can be purchased online and are often the cheapest car insurance option for drivers. Discounts like those for being a good driver (up to 26% off), being a good student (up to 15% off), and having multiple vehicles on your policy (up to 25% off) are not just some of the ways to save. Continue with Geico.
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In our auto insurance survey, about 16% of respondents had an insurance policy with Geico. More than 80% of those surveyed gave Geico a satisfaction rating