How do you get car insurance online?

How to Buy a Car Insurance Online

Auto insurance may be purchased online just as readily as any other product. Car insurance purchasing, like other kinds of e-commerce, allows you to swiftly compare offerings and costs from numerous sellers, as well as quickly filter out items you don't require.

How do you get car insurance online?

Here's what you need to know to buy car insurance online

You can go online on the Web, or you can visit your local agent and do it on your computer. To buy online, you'll need a credit card and a bank account that can accept charges from the insurance company. You'll be asked to provide personal information such as your name, address, and social security number; this is legally required under the federal "Fair Credit Reporting Act" (FCRA). Payment for most policies is made by credit card; read your policy for details about making payment by other methods. It's important to note that you're not protected if your information is stolen by someone else in an online transaction.

The first thing you should do is see if your insurance company's website offers a way to purchase car insurance. Some websites alert you when new car insurance offerings are available—others will let you search for quotes and check prices online—but most require that you go to an agent to purchase the policy before letting you know about it.

If no online shopping option exists, ask the agent whether there's anything you can do to buy car insurance online. If not, ask anyway. Don't be afraid to ask for help; if the agent doesn't know how to answer your question, she may not have even thought of asking Outlook's product manager if it's possible.

Next, come prepared with your credit card and checking account information. A credit card number is probably the most important piece of information you'll need—your agent generally won't have that, so you'll need a printed copy. This will also make sure your payment gets through unaltered to the agent's bank.

Don't be reluctant to give this information out if asked for it. You should also make sure that the agent is familiar with your request—if not, she can instruct her boss about assigning the task to someone who can help you out at some point in the future. An agent who isn't sure what you're asking for is an agent who doesn't know what to do.

How do you get car insurance online?

Online insurance shopping is built on Java applets called "web beacons." These are small programs that interact with the background of a webpage and perform a specific task. For example, when you click on a link that takes you from an insurer's home page to a page where you can search for car insurance quotes, that click activates the web beacon, which then checks whether your machine has the program required for it to function; if it doesn't, another message is displayed telling you what Java applet you need. If it does, the web beacon then sends your information back to the insurance company's computer.

You can find out whether your computer's browser has the web beacon program used by your online insurance insurer simply by going to the page that contains the words "Java" and "web beacon." Windows-enabled computers will have "Yes" or "No" in their status bar, and Macs have a more complex message.

If you don't have Java applets on your computer, rest assured that you're not handicapped when it comes to buying car insurance online. What you're missing maybe something called "Active X," but it's easy enough to install. Simply go to any one of several websites offering free downloads of Active X and download one that looks right for your computer; then double-click it to install it. Most are compressed with "WinZip"—a program for compressing files—so you'll need to double-click on that, too, and then find the icon labeled "Active X" in your Control Panel. Double-click it from there and you'll be ready to go.

If you have all of the proper equipment, you can start searching for auto insurance quotes. You can use the same credit card to shop at multiple insurers' sites at the same time, or if your machine has limited disk space or memory, you may want to delete browsing history after each site search.

You'll generally be sent to a site that presents you with a series of options for the kind of car insurance you want. Many will include differences in deductibles and coverage, but other more advanced options may be available. If not, you can always ask your local agent about them.

The Internet wasn't always this easy to use, and it's still a bit clunky in places. You should also compare information gathered from different sites; they may offer differing quotes or if they represent competing companies, different information altogether. You can also parlay what you find on one site into research on others—searching out features that are offered by different sites is good insurance shopping practice all around.

If you're looking for personal insurance, such as a car or home insurance, a search engine like Google can help you find comparisons of companies offering personal insurance.

For Example: if your query is "homeowners", Google will display a list of homeownership websites. In some cases, the top of the page will be filled in with information from the website you select. If this happens Google will list those results first and then display the results from all others on your list.

For most users, visiting websites is easier than going to an agent to buy car insurance online or by phone. This is important to know if the agent doesn't want to sell car insurance by Internet or phone.

A good way to make a comparison is to visit several different sites and then save the information you find on your computer so that you can look it over at home. Because of this, it's generally a good idea to check out as many sites as possible until you come up with one that offers the best deal for your situation. If you don't think any of them offer a good deal, it may be time for another search or another agent.

Some online car insurers only offer auto insurance quotes for those under 18 years old. This is because since the driver's license is mandatory for any person over the age of 18 but optional for those under 18, the insurance company can save money by not having to cover drivers who may have their licenses revoked.

The teenager rating is just like finding a cheap car insurance quote online: what you need to know about it. Your insurance card should display your age in years and months as well as how old you are with two digits. Knowing your age is important because each car insurance company calculates the premium based on age and experience. If you are a teenager, your premium will be lower than someone of the same age with more experience.

The teenager rating is the same for all companies, but not for all states in countries like Canada and the United States where each province or state has its own set of rules. On top of that, there is legislation called Proposition 103 in California which forces car insurance companies to charge higher premiums for drivers under 25 years old as well as drivers who have been convicted of a serious traffic violation such as reckless driving.

Insurance companies generally charge a slightly lower rate for teenage males than teenage females. The main factor they use to determine your premium is your likelihood of an accident.

Unlike the teenager rating, which is based on age, driving experience, and accidents, the teen driver rate includes factors like the type of car driven, whether you have an airbag or not, and how many miles a day you drive. Your insurance company will base its decision on decades of research about how most teenagers behave behind the wheel and how safe are teen drivers generally.

The age at which you can get your first driver's license determines how old you are when your teen coverage ends. Some states require that you be able to drive by 14 years old whereas in others it's not until several years later.

The teen driver rate usually resembles the insurance rates of older drivers in good standing. If you are in good standing, your rates are likely to drop by as much as 50%. If there's a problem with your driving, such as speeding tickets, you will be expected to pay higher rates.

How do you get car insurance online?

The teen driver rate applies to teenagers who drive under their parents' insurance policy. Even if you have your car and live away from home, you may still be charged this rate until you turn 24 years old. The teen driver rate is usually more affordable than the teenager rating so it's a good idea to compare both before getting auto insurance for your teenage son or daughter.

The teenager rating is based on your age, experience, and the number of tickets you have received. These factors are generally not included in the teen driver rate. There are special rates for drivers under 21 years old. These drivers may be charged a lower premium as long as they are in good standing but only receive full coverage when they reach the age of 21.

While statistics show that adolescents get into accidents more often than adults, those who do have their licenses by age 16 have fewer accidents and less severe injuries than their older counterparts who get their licenses later on in life.

The other factors that go into determining your teen driver rate are how much you drive and whether you have an airbag in your car. The safest way for a teenager to start driving is on their learner permits. When they have their license, they may be able to get a good deal on their teen rates provided they follow the rules of the road and do not make too many reckless turns.

Most insurance companies offer discounts for regular users which means that drivers who fit or exceed these descriptions can get lower rates but keep paying the same amount over time.

Many insurance companies offer discounts based on age, though not all do. Insurers offer age-based discounts based on the following groups.

How do you get car insurance online?

Young adults: The under the '30s

Middle Aged: 30-49 years old.

Senior citizens: 50+ years old.

Elderly people: Those over 65.

Some companies also have a group called "no claims bonus" which is a collection of discounted rates for drivers who have never had accidents or been involved in any traffic violations, including tickets and accidents, within the last three years. Under this group, your insurance company will charge you a lower rate for being an upstanding citizen as long as you maintain this record for three years or more at which time your rates will return to normal.

To receive these lower rates, you must have or have had low or no tickets within the past 3 years. Under this group, they monitor your driving record and report to the insurance company any traffic violations you are involved with during this period.

To be covered under these lower rates, you must file a claim within one year after receiving the first ticket or accident. This means if you are injured in an accident and file a claim within one year of that accident, your insurance company will still be able to issue discounts for being an upstanding citizen but you cannot get it during these two years.

The main advantage to getting lower rates as a young adult is that if you are injured in a car accident, the insurance company will discount your premium by up to 75% or more. If you are hurt in an accident and do not file a claim within the first year, your rates will not be affected. However, if you file a claim after the first year and do not have an injury or accident you can still get lower rates on your next insurance policy but only for up to five years from your last accident or ticket.

Many insurance companies do not offer this option but many do so it's a good idea to get quotes from all the companies you can to see if they will offer you lower rates if you have been involved in an accident or ticket. It's better to find out before your rates go up rather than after when some companies may not be willing to help you out.

How do you get car insurance online?

That is why it's important that when you are under 25 or older, your insurance company will charge you a higher rate and even as much as twice as much as younger drivers of the same level of experience and driving history. Even though insurance companies claim it is based on different factors, the main reason they do not offer lower rates is that the younger you are, the more likely you are to be involved in an accident and file a claim.

Some insurance companies have a "savings driver" or "saving plan" that works like a prepaid debit card for your premium but with no interest charges or fees. These discounted rates can save you as much as 60% of your regular premium over 10 years.

The teen driver rate looks at both your driving record and whether or not you have an airbag in your car. The teen driver rate is based on the number of tickets you have received. Most insurance companies will not charge you more for having a car with an airbag, so some policies may reflect no increase from your current rates if you have an airbag.

The reason many insurance companies do not offer lower teen rates for those with airbags is that the average teenager that gets into accidents also has more accidents as opposed to those that do not get into as many accidents and are safer drivers.

Insurance claims are paid out in 1/3rd of the amount of your claim or $35,000 whichever amount is less, plus doctors' bills up to the full amount of your claim.

Once you turn 21, your teen driver rate is the same as the adult rate. You may get a discounted rate if you are under 21 and consistently follow the rules of the road or a no claims bonus which means you will be charged a lower premium for being an upstanding citizen.

If you get into an accident, you must notify your insurance company within 72 hours of the accident so they can investigate it to determine who is at fault and if there is any damage to your vehicle. Once summoned by an investigator, you must report all injuries that happen in an accident that could have been deemed your fault. If the accident was your fault, you must prove to the investigator that you did not cause it.

If you have an accident and do not report it or do not get medical treatment for yourself or other passengers, your insurance company may cancel your policy. Having an accident while driving under the influence of alcohol or drugs will end your policy immediately.

Insurance companies keep a record of who has been involved in any accidents and will report all accidents to their insurance agency for review at which time they will issue a rejection letter regarding any lawsuits filed against them by another party. If the charges are upheld, then they may cancel your policy.

You must also report all citations or violations for court or may face fines or loss of your license. If you have received a traffic citation, you must take that to court on the date it is scheduled at which time the judge will decide your fate and whether or not you are guilty of this particular violation.

If you are involved in an accident, your insurance company may ask that you have both parties involved sign the accident report and return it to them within a stated period. In most cases, they will not ask for this but if they do, then you should follow their rules as to when they want it completed and returned to them. Failure to do so could result in voiding your policy.