subject: How To Purchase Online Auto Insurance [print this page] If you want to know how to purchase online auto insurance, the short answer is, "Easily". There are many websites that have been set up to make buying car insurance quick, easy and cheap. The longer answer requires a little explanation.
There are many things you need to know about car insurance before you can make an informed decision. Different states have different rules and regulations regarding car insurance. Many states have a minimum requirement that says all drivers must have at least $10,000 worth of "at fault" property damage insurance and a further $10,000 in "at fault" personal injury or death insurance. Florida is one state that has a mandatory "No Fault" insurance law.
This example shows that when you are looking for insurance online, you must take the state you live in into consideration first. Other considerations that apply throughout the country are the costs of the various types of auto insurance. Each type of insurance, from collision to injury to comprehensive is assessed differently by different insurance companies.
Furthermore, insurance companies determine the cost of insurance according to risk. High risk drivers include teenage and younger drivers, drivers with a history of causing an accident or multiple accidents, drivers with DUI (driving under the influence of alcohol or prohibited drugs) convictions and other drivers. If the insurance company deems that the odds of your causing or being involved in an accident are higher, they adjust their premiums accordingly.
This is a very important point to remember, because it will affect your strategy when comparing insurance quotes online. If you are a high risk driver, you will want to get quotes from insurance companies who specialize in offering discounts to drivers like you. They base their premiums on different criteria than other insurance companies and you can often get a much better deal from them. In fact, if you have been refused insurance because of your driving record, you may find one of these companies that will be willing to insure you.
On the other hand, if you have a long record of driving without causing an accident, you can get substantial discounts as a safe driver. Be sure to look for companies that reward good drivers the most.
These are just some of the things that come under consideration when you are purchasing car insurance. It all sounds complicated and it is. Fortunately, though, the good online insurance comparison sites make it all easy for you. When you purchase online auto insurance, it really is as "easy as ABC". Just take it one step at a time and you will get great discounts on your insurance, whoever you are or wherever you live.
by: Lance Thorington
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