You can purchase car insurance on line these days without having to leave the comforts of home.
The convenience is absolutely lovely, and I highly recommend you give it a try, but there are certain precautions that you should take.
The first thing to consider when purchasing auto insurance on line is the validity of the insurance company.
As I have mentioned in previous articles, it is always a good idea to check with your own state's Insurance Commissioner to be sure that the company your are interested in is legally licensed in your state.
This is particularly true if you're dealing with a relatively unknown insurance company. Let me give you an example.
I'd been covered with Progressive for my auto insurance for a few years, but last year when my bill came up for renewal, the price had gone up.
I'm never happy when my premiums go up!
I was out of the country at the time, so I contacted my local insurance broker to find out if she could find me a better deal. She did some checking and organized a new policy for me with a company I had never heard of - Selective Insurance of South Carolina.
Believe it or not, I do NOT know every single insurance company in the US. :) So, I had to check and see if Selective Insurance was an acceptable option for me to trust.
Another one of the beauties of online auto insurance is the ease in shopping around and comparing quotes from several different insurance agencies.
Yes, there are insurance brokers and insurance specialists, who may be able to assist you, but I do like to do a bit of the legwork myself. Maybe I'm just skeptical and don't trust someone else to get me the best deal.
When it comes to my hard earned money, I don't want to needlessly waste a penny. Okay, call me a "penny pincher," but it really does pay.
Know what you are looking for by considering the different types of auto insurance coverage, the required minimums, and then evaluating exactly what your family wants and needs.
When you've got all that sorted, shop around and ask for an auto insurance online quote until you find the best deal for you. Here's a few places to start...
If purchasing car insurance on line, it is very important that you keep
detailed records. Print out copies of your quotes and key information
and place them in a file for safe keeping.
In addition, keep records of your payments and retain a copy of all of your receipts. You don't want your company to refuse to pay in the event of an accident, claiming that your policy has lapsed because you missed a payment.
You should receive an official copy (not a photocopy) of your policy by mail within a 30-60 days. If you do not receive your copy in a reasonable time, contact the insurance company immediately.
Some insurance agents may try to use high pressure tactics to get you to
change over to their company before you feel comfortable and confident
in doing so.
Don't allow them to pressure you into making a premature decision. Never fear, everyone wants your business - unless you're a horrid driver =) - so any bargain price they may be offering is not going to vanish overnight.
Just remember, you are in the driver's seat, literally.