Major countries around the world require you to have auto insurance in order to drive on the road. Auto insurance usually covers property, liability insurance for other party’s loss, and medical coverage including loss of wages and sufferings due to emotional trauma. Insurance policy for your vehicle may also cover someone else who is driving your car. If you feel that you need additional coverage for events like a collision with roadside object or damage to your windshield, then you should consider options like comprehensive and collision damage insurance.
As the name suggests, comprehensive insurance can cover almost every type of property damage including vandalism and theft. As more and more people have started renting a car for long distance travel, credit card companies are offering third party insurance which safeguards driver’s interest when they use their credit card to pay the car rental company.
Insurance premiums have been rising steadily over the past 10 years, especially in the United States. As the number of vehicles on the road increases, so does the number of accidents on the road. In 2017, Americans paid nearly $90 Million in premiums for comprehensive insurance. Some of the names that appear on top of insurance providers list include Progressive, State Farm, and Geico. These companies may be able to provide customers with some of the best auto insurance quotes online.
Automobile Stats in the United States
According to the latest research, close to 300 Million vehicles are on the road in this country. With many of these drivers commuting long distances, more than 3 trillion miles were driven by commuters in 2016, this averages out to nearly 14,000 miles per vehicle. The question remains now is how to protect yourself while driving and where to get the best auto insurance quotes online.
Another reason of concern for drivers on the road is reckless driving. Even if you follow all the traffic rules, you never know what the other person will do that can damage your property. Some of the major causes of car accidents in the United States include driving under influence and driving without a license. To mitigate this issue, more and more people are getting auto insurance quotes online.
In 2017 alone, nearly 20,000 passengers filed claims for bodily damage while another 5,000 filed for damage to their vehicle.
The procedure of Getting Auto Insurance Quotes Online
Nearly all the popular insurance firms offer quotes online these days. Therefore, calculating the monthly premium for your car is not much difficult anymore. However, it is always suggested that you keep a few things handy when you are trying to get an auto insurance quote online.
Make sure you have basic information like date of birth, car make and model, and the state you live in. Insurance premiums may vary significantly based on your age, location and type of vehicle you are using. Once you get an estimated auto insurance quote online, you can call the selected insurance providers to get a more accurate insurance premium.
To get you an exact amount, the sales agent may ask you for more detailed information including your driver’s license and registration information. Based on your age, location and driving history, an insurance company can provide you with a premium schedule on your selected policy. Some insurance providers may provide a rebate or special discount based on attributes like auto-pay selection or student ownership.
Looking for auto insurance quotes online
Auto Insurance Comparison tools
One of the best ways to seek auto insurance quotes online is to use some of the auto premium comparison tools that are available online. These websites ask for certain information about the user including their personal information, type of vehicle they are using, the state they reside in and insurance history.
These insurance portals than search the web for most popular insurance companies and use your data to get the most effective premiums based on the information you provided them. These comparison tools gather auto insurance quotes online from multiple resources just like a flight aggregator would get the best air ticket for you from all over the web.
One of the most significant advantages of using a comparison tool is that you come to know about the best insurance companies that are available in your area, and secondly you get an idea about some of the lowest premiums for auto insurance available in the market.
Log-in to Insurance providers website
Another useful way to get auto insurance quotes online is to visit one of the popular insurance providers websites. Geico for instance, which is one of the largest auto insurance providers in the United States offers insurance premium calculator on their landing page. Once they get all the relevant information from you, they will be able to provide you with the best possible quote based on the information you provided.
Getting auto insurance quotes online from different company websites is a great way to save yourself from the hassle of calling each of them individually.
Talk to friends and family
Another useful way to get auto insurance quotes online is to talk to friends and family about their experience with their insurance providers. This will tell you a number of things about insurance companies in the market. The feedback that you get may help you find out the turnaround time of an insurance provider, their level of after-sales service, and most importantly, which one offers the lowest rates.
Since you can depend on the information provided by your loved ones, you can then go on to the favorable insurance company’s website and get a quote for yourself. If everything looks good, you can then call the agent and lock your premium the very same day.
In order to get the best auto insurance quotes online, it is important that you double check the information that you provide on the online portal. Some of the factors including past accidents and late payments to your existing insurance company can increase your premium. If you are a student, some insurance companies may even consider your GPA before providing you with an auto insurance quote online.
With good credentials and the right amount of research, you can get the most affordable rates for your car insurance in a matter of a few hours.