How To Get an Online Car Insurance Quote

Getting a car insurance quote is becoming easier. Many insurance carriers now offer quotes online for automobile insurance.
 
Before getting an online quote, you should prepare yourself with some information that is likely going to be needed to complete the quote process. Gather the following information.
 

  1. Your vitals. Be prepared to give your name, date of birth, social security number, address, phone number, drivers license number and place of employment.

  • Vitals of others who will be driving the vehicle. If you have other members of your household who will be driving the insured vehicle, you will need to provide a drivers license and date of birth for those individuals as well.
  • Key information on the vehicle you wish to insure. Plan to have the year, make and model of the car as well as the license plate, annual mileage and VIN (Vehicle Identification Number) handy.
  • Information on what coverages you wish to have. If you have an older car, you may wish to only carry liability coverage as required by your state. However, depending on the car you own, you may also wish to insure your car with comprehensive, collision and rental reimbursement coverages. Also, consider the limits and deductibles you wish to have on your policy prior to applying.
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    Now that you have prepared yourself with the information you will need to get the online quote, you will need to go to the internet to fill out your application.
     
    1. First, go to the website you wish to get a quote from. You may choose to go directly to a single insurance carriers website or you may choose to use a search engine to find a site that will quote you the rates of multiple insurance carriers. Some popular sites are Esurance and InsWeb.

  • Once you have identified the website you wish to use, find the link for "Get a Quote." Click on that link and you will be asked for some application information.
  • Fill out the application online with the information you prepared above. When you have finished the application, click on the Submit button and wait for a response. Some carriers will respond immediately, others by email or phone shortly thereafter.
  • Once you have received your quotes, review them, being sure to compare coverages offered as well as the premium quoted. If one carriers quote seems to be significantly better than another, make sure that you are being offered the same coverages for the price. Less coverages and lower limits will dramatically decrease your annual premiums. Make certain that you have found a quote that fits your needs, and then contact the insurance company to let them know that you would like to sign up for a policy.

     

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