If your auto insurance policy is about to expire or if you’ve just bought a new car and need auto insurance, you may want to consider purchasing a policy online. Buying insurance online is effortless and helps you save a substantial amount of time. Also, you can complete the entire process from the comfort of your home, without having to visit an insurance provider’s branch or dialing the helpline number. Here’s how to go about buying a policy online.
Gather details about your car
To get insurance premium quotes online, you will likely have to key in a few details about your vehicle into the insurance provider’s website. Some of the details you’ll want to ensure you have on hand are your license number, the model, make, and year of the vehicle, how many miles you typically drive in a year, the registration number, vehicle identification number, details of any claims made in the past five years, and details of past driving violations.
Compare quotes
Once you enter these details into the insurance provider’s website and select the level of coverage you want, you can get a sense of how much you’ll need to pay for the policy.
Opt for the liability limits
Once you get quotes from a few different insurance providers, you should pick a policy that offers the coverage you require at a competitive premium. To proceed with buying the policy online, you’ll need to first select the liability limits, given that liability coverage is mandatory in almost all states.
Customize the coverage and deductible
Next, you’ll want to customize your policy by opting for any additional coverage that you require. Based on the type of add-on coverage option you choose, you may also need to opt for a deductible, which is what you’ll have to pay out of your pocket in the event of a claim.
Look out for discounts
While buying the policy online, you’ll also need to enter certain details that will help you qualify for a discounted premium.
Once you’ve purchased the policy online, you’ll need to download the insurance card. Make sure to only cancel your previous coverage once the coverage from the new policy begins.