In about 99% of cases, the answer to this question is "Yes!" The facts of the matter show that car insurance bought online must, by law, be at least equal to that offered by insurance agents. In fact, most states have certain minimum coverage requirements that they require all drivers to have on their vehicles to cover expenses for other drivers in the event of an accident where they are at fault. Online insurance providers are not allowed to offer less than this minimum coverage.

• Online Car Insurance Going online to buy car insurance is proven to be better, faster and more reliable as the sales pitch tone from your auto insurance representative is not used. Not only does it save your time and effort as it minuses the line up or awkward inquiry through phone, you can even find cheapest car insurance quotes from the most credible auto insurance companies online!

• Your Wheels, Driving Record and Insurance Rates One of the factors that affect decision making when purchasing auto car insurance is your car type and your driving record. For every new car, higher premium must be availed and the old cars can get low car insurance. If you drive often and your mileage makes the most out of your living, then you have to buy auto insurance with a comprehensive coverage. This is since you are more prone to accidents on the road and you need an auto insurance coverage that covers medical assistance for you aside from compensation for your car damage.

• Getting a Quote Online There are several information needed to get online car insurance quotes, such as:
  • Your General Information including home address and contact details
  • Vehicle Make including type of car (old or new), model and annual mileage it covers
  • Track Record which includes accidents


• Driving without InsuranceThis is one point that you should not miss. As a car owner, there is responsibility under your belt that the every state upholds. Penalties could be heavy once you are caught without an insurance auto. Unfortunately, you may end up in jail, you have to pay a fine of up to $1000 and your car can get in the hands of the state until you produce the right papers. Affordable auto insurance is offered by any auto insurance company and you only need to search and determine your needs.

In order to remain competitive with established companies that operate through agents, online insurance providers usually offer at least as wide a range of coverage amounts as the more traditional insurers. In many cases, drivers are offered more options.

Most car insurance bought online costs less than going through an agent. This is because the company must pay an agent a percentage of the premium you pay as a commission for making the sale. In addition, that agent draws a residual income in the form of a percentage of each renewal premium you pay as long as you keep the policy.

Online car insurance providers do not have to pay agents any sort of commission on policies. Because you are dealing directly with the company, they have a much lower overhead to cover out of the premiums collected.

Claims service and response time is generally comparable between traditional insurance and online insurance. In fact, most companies have certain people on retainer to act as claims adjusters over a specific area. These are the people who must come to you and examine the car to assess its value and the estimated cost of repairs to determine what the insurance company will pay. It is extremely rare for a local insurance agent to make such claims decisions, so there is really no difference in traditional and online insurance as far as claims.

Customer service is a big deal for many people. They prefer to be able to go into their agent's office and talk face to face when they have a problem. Online car insurance companies generally offer toll free telephone numbers, email, and online chat as options for contacting customer service representatives. While not as warm and personal as a face to face chat with an agent, these methods usually suffice to get questions answered or problems resolved.

Overall, it may be the wisest choice to buy car insurance online. There are some differences in dealing with the company that one must get accustomed to, but the savings on premiums should make up for any shortcomings noted. If you decide you do not like the treatment you receive from online insurance companies, you always have the option of returning to your traditional insurance provider via an agent or through their website when it is time to renew your policy.