On Line Car Insurance Quote

In this On Line Car Insurance Quote article – learn how to get your On Line Car Insurance Quotes Fast, Easy and FREE! We tell you everything you need to know AND how to avoid the scams! Get quotes from the top major Auto Insurance vendors on one page!

On Line Car Insurance Quote – Fast, Easy and Free -

There are 4 main parts to this web page -

The First Part Tells you what information you need to have ready in order to get a REAL (legitimate) Free On Line Car Insurance Quote from the Major car insurance companies like GEICO, State Farm, Allstate, etc
The second part Shows you a typical On Line Car Insurance quote. THIS IS IMPORTANT. You need to compare what they quoted you to your Current auto insurance. It also tells you what you can change or adjust to lower your insurance cost.
The Third part Gives you tips to avoiding On Line Insurance Quote Scams!
The Fourth part Gives you the Actual links to click and fill out the simple information required to get the Free On Line Auto Insurance Quote.

Finally, You can click on any of the Recent posts to the right or tabs at the top of the page to do more research. For example, Do you want a Free On Line Auto Insurance Quote but don't know which is the best Insurance company to go with? Then Click on the "Auto Insurance Company Guide" tab at the top of this page to read a comparison of all the insurance companies BEFORE going for the quote!

On Line Car Insurance Quote – Get your Documentation ready

Here is the Basic documentation required by most of the On Line Car Insurance Quote Systems:

Personal Information

Name
Address
City, State, Zip
Date of Birth (Statistically different aged driver groups have difference risks of getting in an accident so they have to have your Date of Birth for an Accurate quote).

Automobile Information

Some of the more advanced On Line Car Insurance Quote Systems like GEICO's will automatically search the department of motor vehicles and other places and come up with a list of cars you own. If they don't you will have to have:

Auto Year
Auto Make
Auto Model
Vehicle Identification number (A 17 digit number found on your car registration, title OR on a metal plate visible thru the lower corner of the drivers side of the windshield by looking from the outside into the car on the dashboard.

Use of Automobile Information

Is the Car Owned Financed or Leased?
Is it used primarily for Commuting, Pleasure or Business?
Estimated annual mileage driven
Other mileage information (for example if commuting how many miles driven daily commuting).

Driver Of automobile information

(This could be different then you. You could be getting insurance for your child).

First and Last Name
Marital Status
Gender
Student?
Highest Education Level Completed
Type of employment (this is usually generic like in military, employed,unemployed,etc)
Has any driver had any
1. Accidents (regardless of fault) in the last 5 years
2. Traffic Tickets in the last 5 years
3. Thefts or Vandalism in the last 5 years
4. DUIs in the last 10 years
5. IF YOU ANSWER YES TO ANY OF THESE you will be required to provide more information

Potential Discounts to your car Insurance:

Answer the questions below to get the lowest rate.

Has the driver completed a defensive driver course in the last 3 years?
Note: If the course was required by the court, answer "No" to this question.
Do you belong to any of these types of organizations?

Alumni Associations
Berkshire Hathaway Affiliates
Business and Professional Organizations
Credit Unions
Fraternal Organization and Honor Societies
Organizations for Members of the Military
Organizations for Education
Other Partners

On Line Car Insurance Quote – What a typical Quote looks like!

(And What you can change to raise or lower your Auto Insurance Quote)

Below is an actual On Line Auto Insurance Quote (it is not interactive – just a picture of an On Line Car Insurance Quote).

This Quote allows you to change the different components so you can actually compare a quote to your current insurance AND you can modify some of the Insurance Coverage items to change the annual cost of your insurance. Note that the Premium column gives the yearly cost of the coverage option selected.

Finally note that different companies will quote your insurance for different payment periods. Always add them up so it comes up to one year. A bi-monthly payment will LOOK lower then a half year payment but you need to measure your total cost per year to see if you are getting a good deal from the On Line Auto Insurance quote,

To help Understand what the different "Coverages" on this Quote are and the Different "Limit"s You can click on this link to read our article on What Car insurance Coverage Do I Need ?

On Line Car Insurance Quote – How to Avoid the Scams!

When researching On Line Auto Insurance Quotes

DO NOT give a credit card number or a Social security number when getting an On Line Car Insurance Quote. It is NOT REQUIRED and is a sure sign of a scam!
DO NOT pay for a On Line Car Insurance Quote! They are FREE if they are from a legitimate company!
DO NOT let them rush you into making a decision by telling you it is only good for a limited time. Insurance rates are generally very consistent.
DO Get more then one quote and make sure that it is for the same set of deductibles and coverage! Some companies will try to make their insurance look cheaper by having much higher deductibles or lower coverage!!
DO check with your state Insurance Department (Every USA State has one) if you think you are being scammed or if you need to ask someone some questions about auto insurance!
DO click on this link to get the Phone Number for the State Department of Auto Insurance for the State that you live in. You can ask them if the company you are about to buy from is legitimate! The web page has the department phone numbers for EVERY state in the USA!

Before You Buy or Pay For Auto Insurance

DO MAKE SURE that they have sent you the actual documentation! The Insurance documentation is your contract NOT what you were promised online or on the phone!!

DO Review all documentation carefully. MAKE SURE that what they promised you is spelled out in the contract. Never buy coverage over the phone without first requesting and reviewing all written documentation.