How to Buy Car Insurance Online

To buy car insurance on line, you must be extremely careful to not be overrun by spam emails and agent calls.

Here's how to buy car insurance on line.

1. Buy car insurance on line step 1: Make a dedicated email address.

   To buy car insurance on line, set up a separate email dedicated to the process. You will probably receive a lot more emails as agents contact you, and this preliminary will keep your annoyance to a minimum.

2. Buy car insurance on line step 2: Go direct only.

   Stay away from third party insurance sites claiming to have the best rates. Only give your information to the auto insurance company website directly.

   To buy car insurance on line safely, you must keep your information as private as possible. Make sure any website you give information to has a VeriSign or similar authentication.

3. Buy car insurance on line step 3: Get an appropriate amount of coverage for your situation.

   To buy car insurance on line, know what you need. At least:

   $50,000 Collision
   $100,000 Uninsured Motorist
   $100,000 Personal Injury
   $100,000 Comprehensive

   Make sure to compare premiums based on the same coverage numbers.

4. Buy car insurance on line step 4: Compare policies with the same numbers and note their accident practices.

   Note the policy's fine print. This is a step every one hates, but to buy car insurance on line means that you're trying to pre-empt the salesman who could explain it to you. Therefore, the onus is on you.

   Note if they forgive first accidents and how much their rate goes up per offense.

5. Buy car insurance on line step 5:

   Bookmark all pages you used to buy car insurance on line so that you won't have to re-search if/when you have to go through this process again.