subject: What To Know Before You Purchase Auto Insurance Online [print this page] Before you purchase auto insurance online, you must do some thorough homework. Don't be lured into taking the cheapest quotation. However, if you follow some basic steps, it is a relatively easy and hassle-free process.
Naturally, your main priority is to buy a policy at the best possible price. To facilitate this, you should get quotes from several carriers. This will enable you to come to the right decision after carefully assessing each quote. Bear in mind that cheap sometimes means insufficient. Having said that, take care that you are not coerced into buying an expensive policy that has cover that you do not even need.
Fortunately, the days of frustrating, drawn-out phone calls to get quotes are over. The internet has completely changed this laborious process and getting online quotes is quick and easy. Generally, you can expect to response within 24 hours, or less. Don't, however, be hasty about making your choice.
The deductible is an extremely important component of a policy and needs to be carefully considered. In the event of a claim, this is the portion that the insured pays. If you submit a claim for $700 and the deductible is $150, the insurance carrier pays $550 and you pay $150. If you are prepared to increase this amount, you can get a discounted policy.
The deductible also raises other issues. Look through the quotations and see if they answer the following questions: Will the deductible still hold good if the damage was not caused by me? Will it still hold good if a friend or my spouse was driving the vehicle? Will it still hold good if my 18 year-old daughter was driving? This information must be provided.
You will probably find quite a few variances in the quotations. If you are presented with a very attractive quote that is much less than the others, be sure to check it out well. You may discover that the deductible varies by as much as $2000 compared to your other quotes. People who are classed as safe drivers are eligible for discounted policies, so be sure to check this aspect as well. In addition, if you hold a defensive driving qualification, you could qualify for a further discount.
Keep all this information in mind if you are going to purchase auto insurance online. After you have narrowed down your options to two or three companies, there's one last thing to do before signing up. Log onto those carriers' websites and click on the 'policy' link. You can then study the entire policy and every aspect of cover.
by: Lance Thorington
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