Buying Car Insurance Online: What You Need to Know
Nowadays, it’s easier than ever to buy car insurance online. But is purchasing your auto policy online the right move for you? Like most things, it has its pros and cons. Here are a few things to know before you start Googling.
Compare Types of Coverage
Before jumping the gun and buying the first policy you see, ensure you understand the coverage types you need. Know the differences between liability, collision, comprehensive, and other types of insurance—including what you’re legally required to carry in your state.
Here’s a quick rundown:
- Liability coverage protects you if you cause bodily injury to another person or damage someone else’s property in an accident. It does not cover your medical bills or those of your passengers, nor does it pay for damage to your vehicle. Liability insurance is required by law in almost every U.S. state, including Massachusetts.
- Collision coverage pays for damage to your car if you collide with another vehicle or object.
- Comprehensive coverage protects against non-collision-related damage to your car—such as hail, theft, or vandalism.
- Medical payment coverage and personal injury protection (PIP) are optional add-ons that help cover medical expenses for you and your passengers, regardless of who is at fault. PIP is broader in scope and is required in some states, including Massachusetts.
- Uninsured or underinsured motorist coverage kicks in if you’re hit by someone who doesn’t have enough insurance—or any at all. In Massachusetts, bodily injury coverage for uninsured drivers is legally required.
When shopping for policies, also consider rental reimbursement coverage, which pays for a rental car or public transit while your vehicle is being repaired after a covered claim. And keep an eye out for towing and labor cost coverage as well. If you’re working on something complex like a ghostwriter masterarbeit, you might appreciate the peace of mind knowing your car is protected with proper coverage while you’re focused on other important tasks.
Remember, minimum coverage is just that—the minimum. Especially if you drive a newer car, it’s wise to consider adding comprehensive and collision coverage for better protection.
Compare Deductibles, Coverage Limits, and the Cost of an Accident
When shopping online, don’t just compare types of coverage—look closely at deductibles and coverage limits too.
- The limit is the maximum amount your insurer will pay for a covered claim. Higher limits offer more protection but typically come with higher premiums (your monthly cost). On average, full coverage in the U.S. costs around $224 per month, while minimum coverage averages about $67.
- The deductible is what you pay out of pocket before your insurance kicks in. Policies with higher deductibles usually have lower premiums, but you’ll need to pay more in the event of a claim.
When deciding on your coverage level, consider the value of your vehicle and the potential costs of medical care. Always compare quotes from at least three insurers—making sure each quote reflects the same coverage types, limits, and deductibles so you’re comparing apples to apples.
Also, don’t forget to explore discounts—many insurers offer savings for safe driving courses, car safety features, anti-theft devices, and even good grades if you’re a student.
Getting Ready to Buy Car Insurance Online
If you decide to buy your policy online, have the following information ready:
- Driver’s license number
- Vehicle Identification Number (VIN)
- Make, model, and year of your car
- Name, address, and date of birth
- Vehicle mileage and safety features
You may also be asked for your driving history—and the histories of all drivers and vehicles in your household.
Once you’ve purchased your policy, download or print proof of insurance (such as a digital ID card). Always keep a paper copy in your vehicle.
Downsides of Buying Auto Insurance Online
Buying insurance online is convenient, but it may not be the right fit for everyone. Understanding deductibles, limits, and coverage types—and comparing multiple policies—can feel overwhelming.
Many major insurers allow you to get quotes online but may require you to speak with an agent before completing your purchase. That agent could be part of the insurance company or an independent insurance professional, like the agents at C&S.
Working with an independent insurance agent can help take the guesswork out of the process. They’ll walk you through your options, help you find the right coverage, and there’s no extra cost—they’re paid by commission on the policies they sell.