The internet has dramatically changed the way that we buy auto insurance. For the most part, this change has been to the benefit of the consumer. It used to be that the insurance companies took advantage of the fact that it was difficult to compare rates from one provider to another to charge higher rates than were necessary. The internet has by and large put a stop to that; it is now very easy to compare rates from one company to another. This means that the insurance companies now have to compete on price. As long as you understand how online auto insurance quotes work it is very easy to get a good deal on your insurance.
There are a couple of different ways that you can get online auto insurance quotes. Actually, there are hundreds of places to get quotes but they fall into one of two categories. You can get quotes directly from the insurance company or you can visit a site that allows you to compare the rates from a number of different companies. At first glance, it may appear that the best option is to go to the comparison websites but that isn’t always the case. It is important to keep in mind that those sites may not always give you the most accurate information. They get paid a commission to send customers to the insurance companies, some companies pay more than others, not surprisingly a lot of these sites will generate quotes that make it look like the higher paying insurance company has the best rates. Generally, you can get a more accurate rate from the insurance companies directly but that is also going to take more time. A good strategy is to use the comparison websites to narrow down the options and then verify the rates directly with the insurance companies.
Online auto insurance quotes are for the most part the same as getting a quote from a live agent except a lot simpler. In general, the way it works is that you when you go to a website that offers online quotes you will be asked to provide all the information that the insurance company is going to need to determine your premiums. This will almost certainly include your zip or postal code, the make model and year of the car and whether you need comprehensive insurance or if liability coverage is sufficient. They will also likely ask you about your driving record and whether or not you currently have insurance. With all this information they will then generate a quote for you.
Once the insurance company has generated a quote it will appear on the screen usually with a link to take you to the site to buy the insurance. There is no need to feel pressured to buy the insurance just because you got a quote, feel free to get quotes from other sites. Just remember that if you do leave and come back at a future date you are likely to get quoted a different rate, this is just how insurance works, it changes all the time.