Some direct car insurance companies offer the option to purchase a policy without speaking with an agent over the phone or in person. It can be a great option for people who want a quick, pressure-free shopping experience.

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Before buying online, getting all the information you need together is important. It includes a list of drivers in the household; vehicle details including make, model and VIN; and driving records.

Gather Information

Before getting quotes, you should know your state’s requirements for car insurance. It includes what type of coverage is needed and the minimum liability limits. You should also be aware of any discounts that you may qualify for. For instance, some companies offer a discount for drivers with no tickets or points on their record. In addition, you should know if your credit score has changed since the last time you bought auto insurance.

Typically, you can get quotes through an insurer’s website or a comparison site like However, it would help if you were sure to get quotes from multiple companies to find the best rate. Consider optional coverages like comprehensive and collision insurance. These can be costly, especially if buying an older car worth less. You may be better off dropping these coverages and paying for the bare minimum. 

Compare Quotes

Once you have all your information, it’s time to compare quotes. You can do this by visiting an insurer’s website or using a comparison service. Regardless of your approach, it would help if you tried to get quotes for at least three policies that meet the same coverage requirements. Remember that price quotes are estimates based on the information you provide. A final policy rate will depend on thoroughly reviewing your driving history, credit score and other factors. Check out ratings and reviews on insurance companies, brokers and agents before choosing one to work with. You can find this information online at websites. Also, check with your state’s insurance department to see which companies are licensed. Typically, they have a consumer information section that includes profiles of different insurers. They might also offer sample price comparisons.

Make the Decision

Once you’ve gathered all your information and allowed insurers to check your credit score and driving record, it’s time to start shopping. Before you do, note how much you pay for your car insurance (monthly and yearly). It will help you set a figure to beat when comparing quotes. Online car insurance quotes are based on personalized factors like your driving history, credit score, address and ZIP code, and vehicle makes and models. If you want the most accurate quotes, use a quote comparison tool to compare prices from multiple insurers simultaneously. Some people jump on the first insurance policy they receive, but smart shoppers are thorough and evaluate their choices based on various factors. In addition to price, they consider the company’s financial stability and customer service reputation. You can also find additional information on a company’s website, including their claim processing process, policy renewal, and billing procedures.

Sign Up

While buying car insurance has traditionally happened in an agent’s office, most major auto insurers allow consumers to shop and sign up online. It is important to remember that an online quote is just an estimate based on your information and the information you provide; it won’t necessarily be your final price. The good news is that an online quote check doesn’t negatively impact your credit score like a loan or credit application might, as it is considered a “soft inquiry” by credit bureaus. If you need more clarification about shopping for car insurance online, consider asking a friend or family member who has done it before for advice. You can also read reviews, check with organizations, and choose popular companies to help you feel confident about your online shopping experience. Once you’re ready to purchase, many online sites let you complete the process in one step and get immediate coverage.

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