Getting a car insurance policy is now easier than ever. You can do it from the comfort of your own home on your schedule and do it all online.
In this guide, we’ll break down everything you need to know before getting auto insurance online.
How to get car insurance quotes online
Thanks to the magic of the internet, it’s possible to get insurance quotes online easily. Many car insurance companies allow you to get auto insurance quotes online directly from their website in a few simple steps.
Typically, you’ll need to provide your personal information as well as details about your vehicle, including:
- Full Name
- Date of birth
- Any recent accidents or traffic violations
- Make, model, and year of the vehicle
- Drivers license number
- Vehicle Identification Number (VIN)
- Current mileage or whether you often drive for professional reasons
Providing this information can help you get the most accurate car insurance quotes online. You might see ads for cheap car insurance online that offer a quick quote anonymously. While it might seem better not to hand over all your personal information to get quotes on car insurance, oftentimes, those rates are inaccurate.
By providing accurate information about yourself and your vehicle history, you can get a more accurate car insurance quote and make meaningful comparisons to other rates, including your current policy.
The good news is some car insurance companies will offer a discount if you buy insurance online, so not only is it more convenient, it could save you money as well.
Consider comparing at least three to five car insurance quotes online so you have a good idea of what average rates are like and so that you can score a great deal. Auto insurance quote comparison is crucial if you want to find a deal and the coverage for your situation.
Even if you currently have auto coverage, it doesn’t hurt to look at what’s out there. Why? You may be able to find a better rate, as rates are always changing. Plus, you might be eligible for certain discounts you weren’t qualified for before. For example, if you got married, changed jobs, moved, or have a different car from when you purchased your last car insurance policy, check out insurance comparison quotes. You may be able to save money, which could be put toward other things in your life.
What factors to look at with car insurance quote comparisons
When reviewing insurance quotes online, there are various factors you want to look at to get a fair assessment.
- Deductibles. An auto insurance deductible refers to how much you’ll pay the car insurance company before your insurance policy covers anything else.
- Liability limits. A liability limit is the maximum amount a car insurance company is willing to pay in the event of an accident or injury.
- Coverage types. Car insurance costs can vary depending on the coverage type. There are six types of coverage, including personal injury protection, bodily injury liability, property damage liability, collision, comprehensive, and uninsured or underinsured motorist coverage.
- Discounts. Many car insurance companies offer discounts to drivers for various reasons, ranging from being accident-free to installing safety equipment in your vehicle, and more. Review which types of car insurance discounts are available with each company.
- Extra perks. Compare any additional perks a car insurance company offers. For example, Metromile charges you based on how much you actually drive, so you can save if you don’t drive often.
Doing your research and looking at all of these factors can make the auto insurance quote comparison process easier.
The good news is you can do this research online at home to ultimately help you buy car insurance online. You don’t have to go through an agent anymore and can get a car insurance quote exclusively online.
What determines the cost of auto insurance
If you’re looking to buy cheap auto insurance online, you probably want to know what actually determines the cost of auto insurance. Here are some common factors that determine the cost of auto insurance:
- Your age. The older you are, the more affordable your rate may be. Younger, more inexperienced drivers are likely going to have higher rates.
- Where you live. This matters because where you park and the city you live in can affect the likelihood of theft and accidents. More populous city drivers typically have higher rates.
- Driving history. Your driving history matters. If you have a clean driving record, you’ll score the best rates. If you have speeding tickets or at-fault accidents, your rates will be higher.
- Type of car. Your car type determines repair costs, the likelihood of theft, and more, so it affects your car insurance rates.
- How much you drive. The more you drive, the more at risk you are for accidents. So how much you drive can affect your rates.
Some other factors that may be considered include your gender and your credit score, according to the Insurance Information Institute.
How to get quotes on car insurance online with Metromile
What makes Metromile unique is that instead of believing you get what you pay for, we believe you pay for what you get. In other words, you pay based on your mileage and how much you actually drive. Instead of a blanket flat-rate amount that doesn’t take your mileage into account, we believe that if you end up driving less, then you should end up paying less, too.
To get the most accurate and affordable quote with Metromile, you can download our app for free. After that, with our Ride Along™ feature, you’ll score the most accurate quote based on how much you really drive.
The way it works is you drive as you normally would for 17 days and get your free personalized auto insurance quote. Using our trial (you’ll need to keep your current insurance provider before you switch to Metromile), you get not only an accurate car insurance quote but you could also earn up to an extra 15% to 40% off your initial quote in select states as a bonus for safe driving.
The Ride Along feature gives you personalized insights into driving behaviors like acceleration, turning corners, and braking. Once your Ride Along is complete, we’ll send you an email with your personalized rate for a pay-per-mile car insurance policy. Then, you can start your coverage with Metromile.
Melanie Lockert is a freelance writer, podcast host of the Mental Health and Wealth show, and author of Dear Debt. She’s a cat mom to two jazzy cats, Miles and Thelonious, an amateur boxer, music lover, and needs coffee to function.