Getting automotive insurance was a time-consuming and arduous task in the past. One usually had to either visit or telephone car insurance companies individually to get quotes. This took time and effort but there was no other way of doing it. Luckily the process is much quicker and easier these days as you can now get automotive insurance quotes online. Oh, and there’s a good chance that your phone bill will be lower because you won’t need to phone any companies to get quotes!
But before you apply for any quotes online, you need to establish what your insurance needs are. There are many automotive insurance packages on the market nowadays in a variety of combinations. It is important that you know what you might find in these packages and whether they will suit your needs or not as it can be quite confusing to receive a bunch of insurance quotes all specifying different things. This is like comparing apples with pears and makes it difficult to choose the most suitable quote. So if you don’t know anything about automotive insurance, now is the time to do your research. Insurance companies often advertise on radio and television so you might already know the names of some of them. If you do not know the names of any insurance companies for whatever reason, you can always ask your friends and family if they can recommend any reputable companies or you can search for insurance companies on Google. You can find out about more about car insurance and what you might need in terms of auto insurance when you visit their websites.
Once you have researched different kinds of car insurance packages and have established what your needs are, you can begin getting quotes. If you have been searching online you will most likely have noticed that you can apply for quotes individually from insurance companies via their websites or you can use an insurance company that will get you a number of quotes (sometimes as many as nine) from various companies in one go. The advantage of using online insurance companies that will provide you with a number of quotes at one time is that you only have to enter your details once, on a single website, and the various insurance companies will get back to you. Furthermore, it is often cheaper to use online insurance companies that offer you lots of quotes at once because they can get bulk rates on their quotes and will pass this saving on to you.
The insurance companies will ask you a number of questions when they get back to you and this is when having made a list of your insurance needs will come in handy. For example, an insurance company may ask you whether you use your car for personal or business use. If you are someone who doesn’t drive a lot, you may want to tell them at this point and enquire if they have a pay as you drive package if this is what you want. You may also want to pay a higher excess in order to keep your monthly premium low or to insure your car at retail value so that it retains its value. You will need to tell the insurance representative these things while they are compiling your quote, so as to ensure that the resulting quote will be according to your needs.