How To Buy Car Insurance Online
If you're in the market for a new car insurance policy
, you might want to research and actually buy car insurance online. There are companies now that only sell insurance online - they don't even have offices! This allows them to keep their pricing down without having the consumers sacrifice service or quality.There are essentially two ways to start researching. You can go to individual company sites and fill out forms which will provide you will a reasonably accurate estimate of what your actual premium will be. If you have insurance currently with a company that has a very robust website, this is always a good idea.
Or, you can find a site that is a type of clearing house. They don't actually sell insurance; they have partnered with insurance carriers who have provided them information to use. You can fill out one form, and have your data submitted to a number of insurance companies. Depending on how that particular site is designed, you will either be able to see information immediately or you will be contacted by each individual insurance company within a day or so.
In today's market, all insurance companies use your credit history as a basis on which to decide your premium. In order to do this they need to check your credit report, and you'll need to provide your social security number. Without providing this information your estimate, or quote, may not even be close to your actual premium payments if you decide to use one of these companies.
If you are truly interested in reducing your payments, stick with a company that only does business online. This simply means they aren't paying exorbitant amounts of money for leasing offices all over. Obviously they have a corporate office from which to run their internet business, but you can't expect to visit your local rep in an office a few miles away. Take away the cost of leasing office space, and it's amazing how premiums can go down.
This is different than buying a policy online from a company that does have offices all over. Sure, it might be cheaper, but not by much. If you aren't sure if a particular company is online only, you should be able to find this information right on their home page. Or look for a tab that says "locations". If you do find locations, keep searching. This isn't an online only company.
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