CarInsurance.org believes in the old saying, “knowledge is power,” which is why we work to educate our visitors so they are informed consumers. We believe that an educated consumer will make smart decisions when searching for car insurance online, and they will get the auto coverage they need at a price they can afford. Its easy to search for car insurance quotes, but to get the coverage you need takes a little patience, research, and education. Our car insurance guide can help you in your search for car insurance online.
Basic Types of Car Insurance Online
Whatever sort of coverage you need, you can get it by purchasing car insurance online. Whether you are a single male with a perfect driving record, or a married woman with two moving violations in the past week, you can find car insurance online that will give you quality coverage at an affordable price.
There are many different coverage options available when you purchase car insurance online. Car insurance policies can include uninsured motorist coverage, collision coverage, underinsured motorist coverage, comprehensive coverage, medical payments coverage, bodily injury liability coverage, and property damage liability coverage, among others.
Car Insurance Quotes: Get the Discounts
Getting car insurance online is cheaper and easier than getting it from a local agent. For one, you don’t have to worry about scheduling appointments, and secondly you can compare prices and policies from a variety of providers competing for your business. You can get car insurance quotes online anytime of day from anywhere and still get the same discounts you would from a local agent. These car insurance discounts include:
Good Student: Car insurance quotes for teen drivers are high, but if the driver has a B average or above, he/she will qualify for a significant discount, typically 20%.
Multi-Policy: Insuring your home, health or life with the same company will result in deep discounts.
Multi-Car: If you have more than one vehicle, consider insuring them with the same company to get cheap car insurance quotes.
Other Discounts: Cheap car insurance quotes are also available for drivers with a good record, drivers who only travel under a maximum number of miles, and vehicles with several safety features or anti-theft devices. Be sure to ask the company about specific discounts when searching for car insurance online.
Car Insurance Online: Quality Coverage?
Some consumers think that they will not receive quality customer service if they buy car insurance online. Nothing could be further from the truth. The extent of coverage and the quality of the customer service is just as responsive and efficient as that of a brick-and-mortar local car insurance agent.
Car Accident Guide: What to do in case of an accident
First, call the police, even if it’s just a small fender bender. A police report will act as an official document detailing the events of the accident and protect you during insurance claims and, if necessary, any court proceedings.
Next, trade information with the other driver. Actually look at their driver’s license, and take down their name, address, phone and driver’s license number.
Call your agent next. The company can send out an adjuster to investigate the crash and tally the damages.
Take notes and pictures if you can. As much information that you can collect will be beneficial in the future.
Lastly, save all receipts, invoices and quotes for repairs.