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How to buy car insurance online

How to buy car insurance online

Is it better to buy car insurance online or work through an agent? 

It depends on your needs and what you are comfortable with. In this article, we will explain in detail where you can buy your car insurance online and when you should contact an agent.

If you already know that you want to buy your car insurance online, use the right tool to get started by comparing free offers from many of the best car insurance companies.

Best place to buy car insurance online

Almost every major insurance company offers a way to get car insurance quotes online, although some ask you to contact an agent before you can complete your purchase.

 However, many companies allow you to complete the entire process online, from the offer to the purchase.

Sellers who do not offer online purchases ask you to speak to an agent before finalizing your policy. 

However, most of the purchases can still be completed on the insurance company's website.

The process of buying car insurance online

The process of buying insurance online is similar for most companies.

 If your insurance company offers auto insurance online, you can get any standard type of insurance coverage you need directly from your computer or phone. 

But if you are looking for specialized coverage, such as classic car insurance, you may have to call an agent to explain your situation.

Standard types of car insurance include:

  • Personal injury liability insurance
  • Liability for material damage
  • Coverage for insured/uninsured motorists
  • Medical expenses coverage (MedPay or injury protection)
  • Comprehensive insurance
  • Collision insurance

Here are some steps you need to follow to get your car insurance online:

Get an online application for car insurance

The first step is to get a share either through the insurance company's website or using the Free Car Insurance Cost Calculator.

To receive your offer, you need to provide the following information:

  • Name and address
  • Driving license number
  • Make, model, and year of manufacture of your car
  • Vehicle identification number (Vin)
  • Description of accidents, fines, or insurance claims filed in the past few years

Price comparison

After providing the necessary information, some sites may offer instant car insurance offers that allow you to see the cost of your chosen level of coverage.

Other companies may ask for your phone number or email address, and an agent will contact you to inform you of your suggestions and options. 

Contact several companies to compare insurance plans.

Choose coverage

Insurance companies that allow you to purchase a policy online will guide you through the purchase process, which should be simple. 

You will be asked to choose the required coverage, as well as various other options such as traffic accident tolerance

For payment

Set up a payment method and enter the required information.

Most insurance companies can allow you to pay with a credit card, although some charge a fee for this. 

option is to pay through the bank, specifying the track number and account information.

Print your card

Finally, print your insurance card from home. Your insurance company can also send you a card by mail.

Cost of online car insurance

According to tariff estimates, full car insurance costs about.144 per month (. 1,732 per year) for good drivers.

 Car insurance purchased online costs about the same as car insurance purchased through an agent, although you can pay a little more if you use the services of an insurance broker.


Of course, car insurance rates vary by supplier. Here's how to rank major service providers based on cost:

Cost of online car insurance

These estimates do not include policy discounts that you may qualify for, such as a discount for homeowners or a discount for completing a car with home insurance or life insurance. Other common discounts include:

  • Discount for a teenage driver
  • Discount on safe driving
  • Good student discount
  • Military opponent
  • Preventive driving course
  • Security features

Also, keep in mind that car insurance rates change over time.

Premiums can be influenced by government regulations, the level of claims in a particular region, population growth, and much more.

In the last survey on car insurance in January 2022, we found that 41% of respondents faced an increase in prices for no apparent reason.

What affects the cost of car insurance?

The cost of any car insurance policy depends on a number of factors, including:

  • Location
  • Leadership history
  • Transport vehicle credit rating
  • Age
  • Marital status
  • Choice of coverage
  • Deductible

Is it cheaper to buy insurance online or through an agent?

As a rule, it is cheaper to buy car insurance online, as there are no commissions or additional fees.

However, the agent can guide you through the purchase process and help you choose the best coverage. 

Agents can also help you find car insurance discounts that you may not know about.

Car insurance costs by the state

Even if you buy car insurance online, the cost can vary greatly depending on the location.

 Below are the annual and monthly estimates of the cost of car insurance by the state.

Should you buy car insurance online?

You should choose your insurance company based on the company that offers the best rates and auto insurance coverage for your needs.

If this insurer happens to make car insurance offers online, you can take advantage of this.

 However, you should not choose an insurance company based on whether you can buy a policy entirely online.

  • Online: if you know what type of car insurance you need, it may be a good idea to buy car insurance online. Buying online can save time and money. Many suppliers offer car insurance offers and purchase online.
  • Agent: if you are not sure which car insurance you need, it may be best for you to work through an agent. The agent can answer your questions and help you determine the best coverage options.

In any case, study any seller before signing up for the policy. 

Even if you want to work through an insurance agent, it may be a good idea to compare prices online first to get an idea of the cost of car insurance and which insurance companies to contact.

Recommendations on car insurance

Whether you buy car insurance online or in person, it is important to compare several options to find the best rates. Use a tool to compare online car insurance offers from leading online companies.