Insurance - Buying Auto Insurance Online

By Michael Russell

The number of insurance companies offering auto insurance through the Internet has exploded over the last few years. Buying insurance coverage online is not only convenient, but it can also save you money on the premiums. Let's take a look at how you can buy auto insurance over the Internet and save yourself some good money.

The rates for auto insurance have steadily increased over the years. It will take you some searching online to find the best deals, but with a little effort you'll be able to save yourself some money and get the best coverage possible. Here are some key points to look for.

Look at combining all of your insurance coverage into one convenient package with one company. By combining your auto, home and life insurance, most of the insurance companies will offer you a substantial discount on these premiums. Some can be as high as 25%-35%. That can easily add up to a lot of money over the course of a year. You also have the added convenience of having all of your coverage with one company.

Look for companies that offer multi-car discounts if you have more than one car at home. You will also want to look for insurance companies offering various homeowners policy discounts for items such as alarms, smoke detectors, etc. Again, this can add up to a substantial savings. It pays to shop around.

Many of today's auto insurance companies offer good discounts for safe drivers. If you have been accident free over the past three to six years and don't have more than one or two moving violations, you can find companies offering nice discounts for your good driving record. You may want to brush up on your driving skills and take a defensive driving course. Many times an insurance company will issue a 5% discount on your premium for completing the course.

If your car has a number of different safety features, you'll also be able to get a discounts. Features such as car alarms, air bags and other safety items will qualify you for additional discounts.

Most every insurance company will give discounts for having continuous coverage over time. In addition, if you are someone who has served in the military, you may be eligible for a military discount. Active and retired military members can save between 5% and 15% on their car insurance. Again, do some checking and find out who is offering the biggest discounts. It can save you some big money on your premiums.

Some insurance companies offer discounts for people who car-pool to work, or use public transportation. They do so because they know you're not driving your car as often.

Buying auto insurance online is so convenient for most people. Instead of having to go to an insurance office, you can buy your insurance from the comfort of your own home. You can find an insurance company online and instantly receive a quote on your insurance needs. It will also allow you to determine the costs of any optional coverage, higher deductibles and discounts.

It is not difficult to find auto insurance on the Internet. Do a little research and you could be pleasantly surprised at the results.

Michael Russell