Jessica Sautter is a Content Writer for CarInsuranceCompanies.com with a Bachelor’s Degree from Eastern Michigan University in Elementary Education with a Major in Reading and a Minor in Mathematics.

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Chris Harrigan has an economic degree from Limestone College and an MBA from Clemson University. He previously managed auto insurance claims for Enterprise Rent-A-Car. Currently, he is using his business and insurance expertise to provide insurance data analysis and visualizations to enhance the user experience.

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Reviewed by Chris Harrigan
Former Auto Insurance Claims Manager

UPDATED: Sep 30, 2020

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It’s all about you. We want to help you make the right car insurance coverage choices.

Advertiser Disclosure: We strive to help you make confident car insurance decisions. Comparison shopping should be easy. We are not affiliated with any one car insurance company and cannot guarantee quotes from any single company.

Our car insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different car insurance companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.

Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.

Key takeaways...

  • Car insurance is broken down into mandatory coverage and optional coverage
  • Personal injury protection is a coverage that pays for your hospital bills and possibly other costs such as your lost wages or funeral costs
  • Collision covers damages to your vehicle from an accident even if you are at fault

There are a lot of ways to buy car insurance online, but some ways are just naturally better than others. The best way to buy car insurance online, hands down, is to use an auto insurance quote comparison website.

Before you use a quote comparison site, you need to know just what kind of coverage you need and the level of insurance coverage you want.

If you so desire, an insurance agent can help you after you get your quotes or you can complete the purchasing process entirely online.

After you get your quotes, you will still have some research to do to choose the best car insurance company for your money.

Compare quotes for car insurance right away by entering your zip code into the FREE box above!

Table of Contents

Know Your Coverage Limits

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Car insurance is broken down into mandatory coverage and optional coverage. Each state has its own minimum amounts for mandatory coverage for bodily injury liability and property damage liability.

Experts at the Insurance Information Institute caution against buying only the minimum amount of insurance required in your state, as it might not be enough to cover all the costs if you get into an accident.

Since both of the mandatory forms of coverage will only pay for injuries and damages that you cause to other drivers, many states also require you to purchase coverage that pays for your injuries too.

Personal injury protection is a coverage that pays for your hospital bills and possibly other costs such as your lost wages or funeral costs.

Furthermore, your state might also require you to purchase uninsured/underinsured motorist coverage.

This coverage will help to pay for damages and injuries you suffer in an accident if the at-fault driver has no insurance or not enough insurance.

Again, most states set minimum amounts for mandatory coverage, but having too little insurance will only cost you in the long run.

Collision covers damages to your vehicle from an accident even if you are at fault. Comprehensive covers loss or damages from theft, vandalism, fire, and acts of nature.

Optional coverage is not always a necessity, especially if your vehicle is older and has depreciated in value.

Experts at SmartMoney.com advise that collision and comprehensive coverage are not worth it if they cost you more than 10 percent of what your vehicle is worth.

The best place to find your car’s worth is at Kelley Blue Book’s website, which will give you fair market value for your vehicle’s age, mileage, and condition.

Compare Car Insurance Companies

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Use a Quote Comparison Site

If you want to save time and get better results, then you should use a quote comparison site like this one. These websites take your information and distribute it to multiple auto insurers.

There are so many benefits to using quote comparison sites that they blow all other methods out of the water. For one, you only need to fill out one form instead of form after form for each individual insurance company’s website.

Getting quotes from a comparison site is an easy process.

Furthermore, you get many quotes from different companies with very little effort on your part.

It is quite possible that the best quotes you will receive will be from companies that you were not even aware of because they don’t have a commercial on television every half an hour.

Talk to an Agent

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Even though you receive a quote online, every car insurance company out there will provide a phone number or email address where an agent can be reached.

Many people prefer the ability to speak with a live person when looking for auto insurance.

A car insurance agent will be more than happy to answer any questions you have, explain different coverage levels and pricing, and get your policy started.

Quote comparison sites let you see the range of prices for coverage available to you.

Putting rates from a comparison website side by side and then speaking with an agent about all of your choices is always an option.

Identify Fraud

Once you have heard back from your prospective car insurance companies, your work is still not done if you want to get the best insurance.

While comparison sites will protect you from this type of fraud as much as possible, it is better to be safe than sorry.

Utilize the Consumer Information Source site provided by the National Association of Insurance Commissioners to research the legitimacy of a potential car insurer.

You will be directed to your state’s Department of Insurance website, where you can look up the insurance companies you are considering.

You can search by the insurance company’s name or license number, which you should be able to find easily on the insurer’s website.

Make sure that all of the information from the insurer’s website and your state’s Department of Insurance website is the same.

If you find inconsistencies, then you can contact your state’s Insurance Department to inquire further. Don’t make a payment until you are sure you are doing business with a legitimate auto insurer.

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Choose the Best Insurer

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Just like you don’t want to pay for fake insurance, you also don’t want to pay for insurance from a substandard provider.

Car insurance is about protecting you, and you deserve only the best when it comes to auto insurance.

To make sure that your potential car insurance providers are the best of the best, you will need to do some research about the company.

Consumer-based information is good, but you want a system that has some checks and balances.

Some consumer complaint websites are just a forum for ranting, and you might not get the whole truth.

Your best bet is to use the consumer-driven ratings from evaluation companies such as J.D. Power and Associates.

Ratings are based on annual customer surveys, and they cover a wide range of topics concerning car insurance providers.

Those insurers with high ratings year after year are obviously doing something right; you don’t want a car insurance company that is notorious for poor communication or a record of dragging out claims.

Start your search right here by entering your zip code into the FREE box below to utilize the best way to buy car insurance online now!

References:

  1. https://www.libertymutual.com/auto/car-insurance-coverage/bodily-injury-liability
  2. http://www.iii.org/articles/how-much-coverage-do-i-need.html
  3. https://www.nationwide.com/personal-injury-protection.jsp
  4. https://www.allstate.com/auto-insurance/uninsured-motorist-insurance.aspx
  5. http://www.smartmoney.com/plan/insurance/how-much-auto-insurance-do-you-need-10731/
  6. http://www.kbb.com
  7. https://eapps.naic.org/cis/
  8. http://www.insurance.pa.gov/Pages/default.aspx
  9. http://www.jdpower.com