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Getting Insurance Quotes Online Safely

Who Should (and Shouldn’t) Get Online Auto Insurance Quotes

The Internet has made getting auto insurance quotes a lot easier. Rate-comparison websites let you see quotes from dozens of companies within minutes, or, with a bit more time, you can get rates directly from insurer websites.

But just because it’s easy to get an online auto insurance quote doesn’t mean you should skip an appointment with an agent. Online quotes have their place, but some shoppers may be better off working face to face with an insurance agent.

Have few assets? Online quoting is OK

The less complicated your insurance needs, the more likely it is that online quoting will be sufficient.

Who has less complicated insurance needs? “The single, young … or mortgageless,” says Chris Michaut of Jeff Williamson Insurance in Lebanon, Ohio.

If the most expensive thing you own is your vehicle, getting quotes and buying online will get you a reasonable policy, Michaut adds.

Buying online also is well suited to very price-sensitive insurance shoppers. “We have certain people call in … that are literally only looking for state minimum coverage. They are perfect candidates for online shopping,” says Scott Grimm of PPI West Insurance Services in Newport Beach, California.

Own a home? Talk to an agent

However, as you accumulate more assets, you may want to buy through an agent, says Scott Johnson of Marindependent Insurance Services in Mill Valley, California.

Buying your first home is a good time to consider using an insurance agent, and as you build up assets, an agent’s services become more crucial. “Ever try running a quote online with six autos, two of which are used for business, one primary home, one vacation home and a $4 million umbrella [policy]?” Johnson asks.

A quote that combines homeowners insurance, car insurance and umbrella coverage can be tough to manage correctly without an agent’s help. “As your net worth grows, the reasons multiply for you to be sued,” Johnson says.

“Once you have equity, savings, stocks, bonds and money in checking, an accident can wipe it all out! That’s when an agent can be of the most use to assess your need,” Michaut says.

Don’t have many assets? There are still reasons you might want to buy through an agent. Maybe you’re a little fuzzy on insurance terms, or maybe your situation is complex. If you have multiple tickets or claims, or use your vehicle for work, an agent can help you choose the best car insurance, Johnson says.

Shop smart when buying insurance online

Rate-comparison sites and and direct-to-consumer insurers, like Geico, can still be useful, even for homeowners. “It’s a great idea for everyone to shop around to make sure they’re getting a good deal,” Grimm says.

But it’s important to keep that information in perspective. You can buy the right coverage online, Michaut says, but the key is knowing how much you need — and an agent can help with that.

If you decide to get car insurance quotes online, know that saving on car insurance isn’t always the most important goal. Buying sufficient coverage — which often means buying more than the state minimums — is important. Michaut recommends liability limits of at least “50/100/50” — that is, a policy that covers $50,000 worth of bodily injury per person in one accident, a total of $100,000 worth of bodily injury per accident, and $50,000 worth of property damage liability.

And know that the cheapest quote may be misleading. “People should have their existing coverages in front of them to compare every line item,” Grimm says. If your new quote is based on a much higher deductible or lower coverage amounts, you might be fooled into thinking it’s a better deal.

“Don’t believe lowball numbers until [they’re] written in a bindable quote,” Johnson suggests. Shoppers can also help themselves by asking about additional fees and charges — for example, whether it costs more to pay premiums monthly rather than annually or semiannually. And “don’t use your car until you receive documents that say you are … covered,” he adds.

Alice Holbrook is a staff writer covering insurance and investing for NerdWallet. Follow her on Twitter @alicenerdwallet and on Google+.

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” d=”M71.81 59.738l.972-1.47c.001-.001 2.26-3.42 4.12-6.357 1.51-2.39 4.657-3.156 8.613-3.91 1.65-.314 2.4-.468 3.178-.627.884-.181 1.805-.37 4.11-.807l.322-.062.25.215c2.124 1.831 2.35 3.5 2.164 4.578a3.924 3.924 0 0 1-2.18 2.842c-.872.34-17.903 4.671-19.841 5.164zm20.917-11.771c-2.055.392-2.925.57-3.761.742-.783.16-1.538.314-3.195.63-3.628.691-6.5 1.372-7.718 3.3a419.74 419.74 0 0 1-3.17 4.913c7.46-1.9 17.374-4.451 17.983-4.681a2.579 2.579 0 0 0 1.331-1.805 3.586 3.586 0 0 0-1.47-3.1z” /> “>

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” d=”M53.38 19.114c13.66 0 19.25.065 20.429 1.7a93.414 93.414 0 0 1 6.812 11.92c.307.725.26 1.052.233 1.094-.048.073-.333.311-1.964.311H21.023c-1.631 0-1.916-.238-1.965-.311-.028-.042-.074-.37.233-1.094a103.055 103.055 0 0 1 6.81-11.915c1.242-1.704 16.515-1.704 23.856-1.704h3.424m0-1.294h-3.424c-17.946 0-23.691.575-24.901 2.236A104.379 104.379 0 0 0 18.1 32.23c-1.31 3.096 1.31 3.203 2.923 3.203H78.89c1.612 0 4.233-.107 2.922-3.203a93.688 93.688 0 0 0-6.954-12.173c-1.56-2.164-6.27-2.236-21.478-2.236z” /> “>

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Insurance terms, definitions and explanations are intended for informational purposes only and do not in any way replace or modify the definitions and information contained in individual insurance contracts, policies or declaration pages, which are controlling. Such terms and availability may vary by state and exclusions may apply. Discounts may not be applied to all policy coverages.

Who Should (and Shouldn’t) Get Online Auto Insurance Quotes

The Internet has made getting auto insurance quotes a lot easier. Rate-comparison websites let you see quotes from dozens of companies within minutes, or, with a bit more time, you can get rates directly from insurer websites.

But just because it’s easy to get an online auto insurance quote doesn’t mean you should skip an appointment with an agent. Online quotes have their place, but some shoppers may be better off working face to face with an insurance agent.

Have few assets? Online quoting is OK

The less complicated your insurance needs, the more likely it is that online quoting will be sufficient.

Who has less complicated insurance needs? “The single, young … or mortgageless,” says Chris Michaut of Jeff Williamson Insurance in Lebanon, Ohio.

If the most expensive thing you own is your vehicle, getting quotes and buying online will get you a reasonable policy, Michaut adds.

Buying online also is well suited to very price-sensitive insurance shoppers. “We have certain people call in … that are literally only looking for state minimum coverage. They are perfect candidates for online shopping,” says Scott Grimm of PPI West Insurance Services in Newport Beach, California.

Own a home? Talk to an agent

However, as you accumulate more assets, you may want to buy through an agent, says Scott Johnson of Marindependent Insurance Services in Mill Valley, California.

Buying your first home is a good time to consider using an insurance agent, and as you build up assets, an agent’s services become more crucial. “Ever try running a quote online with six autos, two of which are used for business, one primary home, one vacation home and a $4 million umbrella [policy]?” Johnson asks.

A quote that combines homeowners insurance, car insurance and umbrella coverage can be tough to manage correctly without an agent’s help. “As your net worth grows, the reasons multiply for you to be sued,” Johnson says.

“Once you have equity, savings, stocks, bonds and money in checking, an accident can wipe it all out! That’s when an agent can be of the most use to assess your need,” Michaut says.

Don’t have many assets? There are still reasons you might want to buy through an agent. Maybe you’re a little fuzzy on insurance terms, or maybe your situation is complex. If you have multiple tickets or claims, or use your vehicle for work, an agent can help you choose the best car insurance, Johnson says.

Shop smart when buying insurance online

Rate-comparison sites and and direct-to-consumer insurers, like Geico, can still be useful, even for homeowners. “It’s a great idea for everyone to shop around to make sure they’re getting a good deal,” Grimm says.

But it’s important to keep that information in perspective. You can buy the right coverage online, Michaut says, but the key is knowing how much you need — and an agent can help with that.

If you decide to get car insurance quotes online, know that saving on car insurance isn’t always the most important goal. Buying sufficient coverage — which often means buying more than the state minimums — is important. Michaut recommends liability limits of at least “50/100/50” — that is, a policy that covers $50,000 worth of bodily injury per person in one accident, a total of $100,000 worth of bodily injury per accident, and $50,000 worth of property damage liability.

And know that the cheapest quote may be misleading. “People should have their existing coverages in front of them to compare every line item,” Grimm says. If your new quote is based on a much higher deductible or lower coverage amounts, you might be fooled into thinking it’s a better deal.

“Don’t believe lowball numbers until [they’re] written in a bindable quote,” Johnson suggests. Shoppers can also help themselves by asking about additional fees and charges — for example, whether it costs more to pay premiums monthly rather than annually or semiannually. And “don’t use your car until you receive documents that say you are … covered,” he adds.

Alice Holbrook is a staff writer covering insurance and investing for NerdWallet. Follow her on Twitter @alicenerdwallet and on Google+.

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States set minimum levels of bodily injury and property damage protection that helps pay when the driver causes an accident, but minimums often aren’t enough.

This helps pay for treatment for passengers in your car.

Required in some states, this protection helps if a driver without adequate coverage damages your car or injures you in a wreck.

Collision coverage helps to repair your car if you hit an object (other than an animal) on the roadway, including another car. Comprehensive coverage protects from non-collision damage such as hail, theft, or flood.

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The Safeco Package 1

Save on home and auto insurance premiums by purchasing both policies from us. Ask your licensed agent about a bundle today. Here are a few benefits to expect:

You can save up to 15% by bundling and take advantage of a single loss deductible. For example, If a hailstorm damages your house’s windows and your car’s paint, you only pay your home deductible.

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In a snap, you’ll see side-by-side comparisons of real-time auto insurance quotes. They’re real prices, not estimates, along-side helpful information about the car insurance companies.

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One click and you’ll instantly be connected with the insurance company of your choice. There, you’ll complete the purchase of your new auto insurance policy.

Save your information

Come back and easily compare rates at any time knowing that your information is safely stored in our secured database.

Provide your information one time only

Tell us a little bit about yourself, your car, and your driving record. Then do the same for anyone else covered by the same auto insurance policy.

Sit back and watch

In a snap, you’ll see side-by-side comparisons of real-time auto insurance quotes. They’re real prices, not estimates, along-side helpful information about the car insurance companies.

Click and save

One click and you’ll instantly be connected with the insurance company of your choice. There, you’ll complete the purchase of your new auto insurance policy.

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Why Compare Auto Insurance Rates?

You could be saving up to $359 per year ($1,031 if you’re an extra safe driver).

Why Compare Auto Insurance Rates?

You could be saving up to $359 per year ($1,031 if you’re an extra safe driver).

Every car insurance company in the U.S. claims they can save you money on your car insurance. The surprising thing is that many of them may be telling the truth.

To make sure you’re saving the most on your coverage policy, experts recommend getting at least 4 auto insurance quotes. With Compare.com, you get 4 or more locked in rates in just minutes. Start your free online quote comparison today!

Every car insurance company in the U.S. claims they can save you money on your car insurance. The surprising thing is that many of them may be telling the truth.

To make sure you’re saving the most on your coverage policy, experts recommend getting at least 4 auto insurance quotes. With Compare.com, you get 4 or more locked in rates in just minutes. Start your free online quote comparison today!

5 Most Common Auto Insurance Mistakes

Make sure you’re saving the most by avoiding these common auto insurance pitfalls.

  1. 1
  2. 2
  3. 3
  4. 4
  5. 5

Not updating your relationship status.

Married drivers typically pay less for car insurance. Combine your auto insurance policies and you could be saving approximately 10 to 12 percent.

*Edmunds estimates the average savings for married couples is 10-12 percent. On average, a 20-year-old female pays 22 percent less when she is married.

Forgetting you’re a homeowner.

If you own a home, you could be saving up to 3 percent on your auto insurance policy. Want to save even more? Bundling your home and auto insurance can save you up to 8 percent on your current coverage costs.

*Data provided by Value Penguin

Unaware your credit score affects your insurance rate.

Those with average credit scores paid $214 a year more on their auto insurance policies than similar drivers with high credit scores.

*Data provided by Consumer Reports

Over-reporting your mileage.

Do you commute? Use your car for pleasure only? If you’ve started driving less since the last time you reported your mileage, recalculate. It could reduce your premium by 5-10 percent.

*Data provided by Consumer Federation of America

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