Searching for an Auto Insurance Quote Online? 5 Quick and Easy Tips to Remember Before Clicking the Buy Button
August 14, 2015
Whether you’re a first time auto insurance rookie or someone who isn’t a stranger to the competitively priced premiums of warring insurance companies, the internet has made shopping for auto insurance as easy as the click of a button. Online tools can often times inspire an overzealous need to quickly, albeit conveniently, click a coverage option without actually thinking your coverage needs through. The convenience of shopping for auto insurance online can come at a price if shoppers are too tempted to quickly get the business over and done with just because they quickly and easily can. Here are five quick and easy tips to remember before clicking the buy button.
Don’t be Trigger Happy
Resist the urge to instinctively click and buy an auto insurance package based solely on the lowest possible quote. Lowest possible prices do not equate the best possible coverage for your specific needs. If you are a first time auto insurance buyer, Allstate has created a first-time auto insurance buyer's guide to get you started complete with advice on getting quotes and an easy-to-understand overview of coverage types. If this isn’t your first premium packed insurance rodeo, make note of your current premium and coverage (including deductibles) amounts and any discounts you're receiving. Arming yourself with knowledge of your current coverage and costs helps you make accurate comparisons as you shop.
Watch out for (Insurance) Gaps
Insurance companies view auto insurance shoppers as more of a risk of they have gaps in their insurance history- even if it’s only for a day or two. Shoppers who aren’t mindful of these insurance gaps are more likely to be charged a higher insurance premium over others who have had continuous coverage. If you’re currently insured, don’t cancel your policy before your new policy is active. Don’t let your current policy lapse as you search for new coverage.
Take your Time
The beauty of shopping for auto insurance quotes online is that shoppers can browse with the ease of any Sunday driver. There’s no need to rush, so don’t. Take your time, and fully utilize all available online tools to really drill down on your specific driving needs. Research how different amounts coverage plans affect your premium and don’t forget to look for any discounts you may qualify for.
Be Aware when Comparing
When using any auto insurance quote aggregator, you are going to notice that there is a wide variety of different coverage quotes available to you (this is when tip number one comes in handy, by the way). It’s common for premiums to widely vary, but ensure that you are comparing policies that are offering the same coverage features, limits and deductibles.
Pick up the Phone
Sure, shopping online for auto insurance has been made incredibly easy. Although drivers shouldn’t ever pick up the phone while on the road, they certainly should do so before clicking the online buy button. Choosing an auto insurance provider should also be based on your comfort level with that provider, customer service experience and the company’s all around claim handling protocol. You should always pick up the phone and speak with a live auto insurance agent before you choose your provider.