Without a doubt, the Internet has made purchasing car insurance easier than ever. Knowing what to expect and how the decisions you make can affect your online budget can also make the process easier. Here are some things you should know before purchasing auto insurance online.

1. INFORMATION THAT MUST BE READY BEFORE RECEIVING AN OFFER

Whether you purchase auto insurance from an insurance agent’s office or get a quote online, you may need to provide information such as license number or brand, model, and year of your vehicle with the Insurance Information Institute (III). We can also ask you detailed questions about your vehicle (for example, mileage or safety features) to get the most accurate online auto insurance quote. It is helpful to have this information handy when purchasing auto insurance.

2. COMPARE COVERS BEFORE PURCHASING

The type and level of insurance coverage you choose can affect the amount you pay for auto insurance, says III. Before requesting an auto insurance quote, you should find out which coverage is right for your particular situation.

3. DEDUCTIONS, LIMITS AND ACCIDENT COSTS

The deductibles and limits you choose affect the cost of your auto insurance.

The limits refer to the highest total amount that your insurance company pays after the damage covered. The higher your insurance limits, the higher your car insurance premium. In most states, drivers are required to purchase minimum liability insurance. However, the III says that you may want to increase your liability insurance beyond state requirements. It is important to know your coverage limits to know the level of protection you have when you have to make a claim.

A deductible is an amount you pay for damage covered before your insurance takes effect. The higher your deductible, the lower the premium for your vehicle. However, keep in mind that with a higher deductible, you end up paying more out of your pocket to fix your car if you have a claim.

4. DISCOVER THE INSURANCE REDUCTIONS

Insurance companies can offer different discounts on auto insurance premiums. Depending on the insurer, factors such as your lifestyle and driving habits can determine the discounts to which you are entitled. According to III, certain discounts may apply to:

• Defensive Driving Course Completion
• Defensive Driving Course Completion
• Certain safety features for motor vehicles

III suggests that you receive quotes from at least three insurers when you purchase. It is important to make sure that each offer is based on the same types of coverage, limits, and deductibles so that you can make an accurate comparison.

5. TALK TO AN AGENT

Choosing your auto insurer is an important decision. From online customer service to prompt complaint handling, you need to know the company you have selected. It is best to speak to a local insurance agent.