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The Draw of Shopping Online for Auto Insurance Quotes

Posted in Auto Insurance , Auto Insurance Quotes , Online Car Insurance

February 18th, 2010
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Five years ago, Internet sales only accounted for 4 percent of all auto insurance purchasing transactions.

Now, shopping for auto insurance online accounts for30 percent of all the policies sold.According to ComScore, a digital research company, a 2009 surveyindicated that of those shopping for auto insurance, 63 percent of them went online to secure quotes.Although you may be wondering about this industry growth spurt, it just shows that more people are relying on the web for finding affordable auto insurance .

Shopping Smart

Shopping fantasies for nearly any item can beintoxicating andthere are certain attributes of doing the deed online that are perfectly suited to the auto insurance industry. Since phone calls are so 1999, the Internet is the best tool for buying auto insurance because of:

• Comparison Shopping: Consumers need to make thousands of decisions and the web is a great educational device for the process. Comparison shopping is the act of weighing options so you can make the best purchasing decision, and if done correctly you cansave money. When it comes to auto insurance, the Internet is the best resource for gathering and presenting online car insurance options quickly and easily.
• Saving Time: Americans are noted multi-taskers who constantly try to fit 26 hours of tasks into a 24-hour day. No one can argue that researching auto insurance online is a huge time saver. There are portals dedicated specifically to the task of online car insurance and nearly every insurance provider has their own site. Online searches take seconds compared to the time suck of making individual phone calls, so why waste another moment.
• Saving Money: Every insurance provider is vying for your policy dollar. Utilizing the web to shop for auto insurance can provide price quotes with a click. If you don’t like the price of the first option, you can immediately find another choice that fits into your budget.
• Nearly Unlimited Options: Since some people like chocolate ice cream while others prefer vanilla, ice cream parlors have flavor for nearly every palate. The web does the same thing for car insurance shoppers by providing you with an endless array of providers and insurance coverage levels.
• Flexibility: Not everyone works 9-5 and they need to make their decisions at off hours. By shopping for auto insurance online, you can get the answers you seek based on your schedule as most online quote software works 24/7.
• Second Opinion: For some, buyer’s remorse is an affliction that accompanies every purchase they make. If you feel like you need an outside opinion to back up your choice, links sent through IM and email to your lifeline of choice, can provide you with instant feedback regarding competitive auto insurance policies.

By following some rules to ensure both safety and accuracy of your quote, using the web to purchase auto insurance online will certainly work in your favor. Online consumers can find plenty of tools for making educated decisions regarding the auto insurance. By embracing the technology for your auto insurance needs, you too can experience why shopping for auto insurance online is the best way to find your policy.

Strategies for Finding Auto Insurance Online

Posted in Auto Insurance , Online Car Insurance

September 25th, 2009
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Since the advent of the internet, shopping for nearly anything is more fun and easy. Even looking for auto insurance rates is now quick and convenient courtesy of the web. But when it comes time to pursue car insurance online, there are some things consumers should be aware of so they not only get the best deal, but also take advantage of a legitimate offer.

Beware of Fraud

Before even entering the keywords “auto insurance rates,” consumers need to be alert to prevent themselves from fraud. When visiting and researching auto insurance online, it is not immediately necessary to provide personal information such as your social security number. Eventually, it will be required, but for ball-park figures for basic comparison-shopping, that information is not required and may result in illegal activities. Additionally, your credit card number is not needed for the research process and should not be given out until you are read to buy.

It is also important that consumers shopping for auto insurance online check to make sure that the site they are using is a secure website. That information should be posted in the “about us” section of a website. If you need to use a public computer to search for this information, make sure to clean the cache, refresh the cookies and do anything else to remove any trace of your identity from the system.

Car Insurance Research

After taking the proper safety measures, you can start searching for the best auto insurance policy online. Only offers that you actively search for and seek out should be considered legitimate. Then you should consider the following:

• Coverage amount desired, not only for state requirements, but to protect your assets from a lawsuit
• Review your driving record so you are 100% comfortable with the details
• Reread your existing auto insurance policy so you can make side by side comparisons
• Comparison-shop by getting quotes from several providers or visiting a website like Go Insurance Rates that will do that legwork for you
• Investigate what discounts you qualify for and apply for them
• Before signing on the dotted line, make sure to research the insurance company you are considering by entering the name of the insurance company and the word “complaints” or “stories” in your browser – you are sure to unearth some interesting facts
• Make sure to read every word both in your policy and the terms of your policy available on the company website

Only by acting as an educated consumer will you have the best strategies in place for locating auto insurance online.

Auto Insurance Quotes Resources Online

Posted in Auto Insurance , Auto Insurance Quotes , Online Car Insurance

July 20th, 2009
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Are you looking for reliable car insurance quotes, but are unsure about how to find them online? If so, this is probably one of the easiest tasks in the world to take on. Shopping for anything online is simpler than ever, and looking for coverage for your car is no exception.

So if you’re thinking about buying auto insurance and are interested in the resources you can take advantage of, read on to learn more about the options that are available to you.

Auto Insurance Companies

One of the better resources to utilize when looking for auto insurance quotes is the auto insurance provider. Most major providers, and even many of the smaller ones, will offer free quotes right on their sites. By typing in details, including the make, model, and year of your car, personal details (name, address, driving record details), and whether you’ve held insurance before, you can normally obtain a pretty accurate quote from them.

Of course, if you want a more accurate quote, you will have to get more detailed and include your social security number or driver’s license number, which you may not want to do. But if you want a basic quote, visiting the insurance company’s site is the way to go.

Visit Online Insurance Brokers

Another great resource that you can take advantage of when shopping for auto insurance quotes is the online insurance broker. If you visit one of their sites, you can allow them to do the comparison shopping for you. They will simply take the car information and personal details mentioned above, then offer you multiple quotes from a variety of companies. This is a fast and easy (and free) way to comparison shop.

Go Insurance Rates can provide you with free auto insurance quotes in only a few minutes after filling out our online form, which could save you hundreds on your car insurance payments.

Take Advantage of FAQs

Another resource that has less to do with shopping and more to do with gathering information is a site’s FAQ. When shopping for coverage, sometimes you don’t understand terminology – and without a live person to speak with, you may feel lost. However, if you utilize FAQs, and even informative articles offered by many sites, you can learn all you need to know about the coverage of your choice before spending a dime.

Shopping for car insurance can sometimes be frustrating when you don’t know what resources to take advantage of. But if you utilize online resources, you can gather up a good number of auto insurance quotes in no time.

Can I Trust Online Auto Insurance Quotes?

Posted in Auto Insurance , Auto Insurance Quotes , Online Car Insurance

July 16th, 2009
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When it comes to car insurance quotes, it’s probably easiest to find an affordable and reliable auto quote online; however, everyone is not accustomed to providing their personal details via the Internet. This is understandable. You never know who is on the other side of the computer. And you always hear in the news about various frauds related to fake websites. It’s just not easy to know who to trust.

But if you’re thinking of acquiring some auto insurance quotes online, there are some ways to determine whether the companies you’re working with are trustworthy. This will help you feel more comfortable about the online application process.

Check Your State’s Department of Insurance Site

One really easy way to decide whether an insurance company is trustworthy is to check your state’s department of insurance website. This site provides information on customer complaints and also offers basic rate information to help you decide whether the policy features offered are good deals.

Look for the “Padlock” Logo

Another way to check for the trustworthiness of a site is to look for the “lock” logo (resembles a padlock) found within the browser of a website. If you click on the lock, it tells you the security features of the site so you’ll know what’s happening to the information you enter.

Make Sure a Site Shows “Https:”

Along with the “lock” logo, you can search for “https” at the beginning of the URL. The “s” after “http” simply means secure, and let’s you know that any information you submit will be secured by the site.

Work with Auto Insurance Brokers

If you’re still not sure that you can trust an online site and their auto insurance quotes, you might consider working with a broker. Brokers have inside connections with car insurance companies and will only work with those that are trustworthy.

There’s nothing more important than making sure that the company you choose to obtain a policy with is one you can trust. So as you’re searching for auto insurance quotes, keep the above ideas in mind. Or, you can use websites like Go Insurance Rates to provide you with free auto insurance rate quotes from leading insurers, so you won’t have to deal with them directly. With Go Insurance Rates doing the work, you can rest assured that the quotes you receive are safe and high-quality every time.

Why Buy Online Auto and Homeowners Insurance

Posted in Auto Insurance , Online Car Insurance , Online Home Insurance

June 22nd, 2009
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If you’ve ever purchased auto or homeowners insurance through a local office, you know how truly inconvenient it can be, which is why so many people now turn to online options. Before, you might have had to call each location for a quote, jot down all of the prices, then try to compare on your own. But with access to the Internet, now it’s simpler than ever to compare and acquire both car insurance and homeowners insurance.

The Perks of Buying Online

There are a ton of reasons that buying your auto and homeowners insurance online is beneficial. Let’s look at a few:

• Convenient comparison shopping. As mentioned previously, calling various locations was a way of life only a few years ago. But now, you can comparison shop right from your computer. Not only can you visit individual sites to obtain free car insurance quotes and home insurance quotes, but you can also visit sites that offer side-by-side comparisons for your ultimate convenience.
• Get your questions answered. Another great perk of shopping for auto and homeowners insurance online is access to FAQs and insurance definitions that you may not be able to acquire from calling around.
• Pay online. Probably the greatest perk of buying online is paying for your insurance online and being able to print your temporary card immediately. While this is also a benefit you can acquire from visiting a location in person, there’s nothing better than handling it all from the comfort of your home.

Why Buying Auto and Homeowners Insurance Together is Beneficial

While you’re in the process of buying one type of insurance or the other, it’s a good idea to determine what types of benefits might come with acquiring both. Many companies that are large enough to carry more than one type of insurance will offer discounts to those who purchase two or more. So for instance, if you want auto insurance but decide to also purchase homeowners from the same company, you might acquire a sizable discount for one or both.

Buying auto and homeowners insurance online is one of the easiest and most convenient ways to insure nowadays. So why not take advantage of it. You won’t regret it!

Importance of Comparing Auto Insurance

Posted in Auto Insurance , Compare Auto Insurance , Online Car Insurance

March 24th, 2009
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When buying auto insurance, its extremely important that you take the art of comparing coverage seriously to make sure you get the best rates for your money. Too many people go out and purchase their policy from the first company they run across without first seeing how it will benefit them under various circumstances. Dont let that be you. Here are ways to make comparing coverage count.

What to Look for When Comparing Auto Insurance Coverage

There are a few items to look at when youre comparing coverage for your auto insurance. They are:

• Liability vs. Comprehensive Choosing between liability and full coverage auto insurance usually has everything to do with your basic needs when driving a car. Of course, the company you work with will likely suggest that you get all of the bells and whistles (ie. medical expenses, safety features) when taking out a policy, but if you only need insurance to cover another persons car and injuries, its not a bad thing to take simple liability. Exploring your true needs can help you make this decision.
• Roadside Assistance – This feature may be included in a full policy, but if not, it doesnt hurt to find out what it may cost you. There are many times that you can find yourself stranded on the highway. With roadside assistance, you may get help with towing and labor coverage, battery or tire changes, and much more.
• Rental Costs Again, this option may be included in a full policy. But if it isnt then its a good option to include in the event that you have an accident and need a car to drive for a few days. Usually, your premium amount will dictate the amount of money you will be allotted for rental. So check with various companies to see what the options are.

How to Compare Car Insurance

Probably the best way to go about comparing coverage is to go online and visit numerous auto insurance websites. You may even find a site that will offer side-by-side comparison. However, when searching online, keep in mind that entering all of your personal details may result in a more accurate quote, but can also result in hits on your credit.

Remember, comparing coverage can only help to find the policy youre looking for. So when looking for auto insurance, utilize all of your resources to get the best bang for your buck.