Car insurance is an important requirement for any vehicle owner. Not only does insurance cover you financially in the event of a collision, but it also covers the vehicle, any passengers you may have, and protects others involved in the accident. Most states in the US require that you have at least some degree of vehicle insurance.
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Best Practices For Purchasing Car Insurance Online
Online car insurance is only one way to purchase vehicle insurance (the other being in person), but it’s a practice that has been building in popularity for quite some time.
There are a huge number of details that are factored in when you’re purchasing auto insurance. These all work together to determine how much your policy will cost.
- When looking to purchase vehicle insurance, first ensure that you’re equipped with any information that you might need. This includes details about the car (make, model, etc.), the license numbers of those who will be insured under your policy, a copy of your driving record, and the type of coverage you’re looking to obtain.
- There are quite a few distinct types of vehicle insurance, such as Collision, Comprehensive, and No-Fault insurance, to name a few. It’s important to know what each type of insurance covers and which type is the right one for you.
- When searching for vehicle insurance online, it’s vital that you take the time to shop around. Be aware of your options and make sure the insurance provider you choose is a top-rated and trusted seller. Don’t simply purchase a policy with the first provider you look at or the cheapest.
- Take the time to compare providers and find one that suits you in both coverage and cost.
Popular Providers
Below is a compiled list of some of the best and most trusted online car insurance providers to help ensure that you get the best coverage for your money, and the sort of security that comes from choosing a trusted name.
GEICO
Image Source: www.autoinsurance.org
GEICO has been in the vehicle insurance business for more than 70 years. They currently provide auto insurance to 9 million individuals and are one of the largest auto insurers in the USA today.
GEICO has an impressive and comprehensive website that offers a wide range of tools to calculate and understand your vehicle insurance. They provide click-through links with simple definitions of insurance terms, so as not to exclude those first-time car owners who feel as though they’re being inundated by complicated terms. On top of this, they provide advice on buying and financing vehicles, different policy descriptions, and instant quote service.
Along with their informative articles and guides, they also provide links for potential customers to review their services for quality and value, as well as read reviews from current clients before making a decision.
GEICO provides a range of discounts, primarily targeted to military personnel, students and members. They have a very unique and specific section of their business called ‘GEICO’s Military Center’, dedicated to providing services to the men and women serving the country.
GEICO is one of the most well-known and trusted insurance companies in existence today. Their long-time standing in the community and dedication to providing quality service give them a unique edge in the online insurance market.
Contact Information
Address: 5260 Western Avenue, Chevy Chase, Md. 20815
Phone number: 1-800-861-8380 (Sales & Service)
Website: www.geico.com
ESURANCE
Image Source: blog.esurance.com
Esurance has been in business for fifteen years, starting out as one of the first online insurance providers. Whilst still a comparatively new company, they are making a name for themselves through marketing techniques aimed at the modern adult, simple and understandable concepts, and superior customer experiences.
As a primarily web-based company, the employees at Esurance pride themselves on being “green”, that is, environmentally conscious. They go to great lengths to ensure that their work is safer to the environment – a “paperless customer experience”, for example, means that everything is emailed to you, rather than mailed back and forth. They work with partners to plant trees and assist in other environmentally-conscious activities.
One fantastic feature that Esurance offers is their Coverage Counselor, a website tool that enables you to find the best insurance policy with just a few simple questions.
As their way of embracing modern marketing techniques, Esurance offers a huge range of ways to get in contact with their customer services team, including email, facebook, and twitter.
While they may not be a well-established company in the field, they are backed by Allstate, a personal lines insurer that’s had more than 80 years in the business. Esurance is a fast-growing and reliable online insurance company and is only going to get bigger as time goes on.
Contact Information
Address: 650 Davis Street, San Francisco, CA 94111
Phone number: 1-800-378-7262
Website: www.esurance.com
PROGRESSIVE
Image Source: businessinsider.com
Progressive auto insurance began in the late 1930s. In the last 70 years it has continued to expand and innovate, until it has reached the level of that it’s known for today.
As one of the first insurance companies to launch a website back in the mid-90s, Progressive has continued to stay ahead of the competition in the modern world through unique marketing techniques and memorable advertisements.
They are known for their “Concierge Level of Claims Service”, wherein customers simply drop off their damaged vehicle and leave with a rental one, eliminating the energy-draining and time-wasting process of claim filing and waiting on estimates. As the website claims, “you’ll be on your way in about 15 minutes.”
As far as service goes, their website is fairly user-friendly, enabling clients to access all of the required information at one time and in simple terms. They offer a quick and hassle-free instant quote, wherein you can enter a few details and get an estimate on your insurance in no time.
Progressive also offers Pet Injury Insurance with their Collision Insurance and are one of the few insurance providers to do so.
Progressive is an established and reputable company, and as their name suggests, they are constantly seeking new and unique ways to offer their services. They’re one of the most trusted companies in the online auto insurance world.
Contact Information
Address: 6300 Wilson Mills Road, Mayfield Village, Ohio 44143
Phone number: 1-800-776-4737 (General Enquiries)
Website: www.progressive.com
Average Costs
Before purchasing vehicle insurance, it’s important that you know how much you’re willing to pay and what type of coverage you’re obtaining. Some cars are simply more expensive to insure than others, which is something that you need to consider when purchasing a vehicle.
Average vehicle insurance costs vary from state to state, but generally speaking, the average American pays $75-$200 on auto insurance per month, depending primarily on factors listed earlier in the article.
Car insurance may seem like a complicated and time-consuming necessity, but when broken down, it’s all about protecting yourself and others and ensuring you have a plan in place if an accident should occur. With so many working and busy individuals, it’s a relief to find that there are trusted auto insurance companies bringing their business to the online market.
DISCLAIMER: This article is for guidance only. Always consult with a Specialist on everything.