Get a car insurance quote in about six minutes
Auto insurance is a must before you get behind the wheel. We’ve made it easy to quote, buy, and save online:
- Get a quick, accurate, and personalized quote
- Earn discounts for quoting online and setting up automatic payments
- Immediately print cards or download proof of insurance to your mobile device
Prefer to speak with one of Progressive’s 38,000+ agents? Find a dedicated local insurance agent near you for expert help.Whether you’ve just bought a new car, are looking to change insurance carriers or are simply shopping around, getting an online car insurance quote from Liberty Mutual is secure, quick and easy.
- Your current policy (if you have one) – this is helpful as a reference so you know what coverages you currently have
- Driving record information from the last five years (including accidents, violations and claims) for all drivers you’d like included on your policy
- Driver’s license number(s)
- Your car’s make, model and year, as well as its Vehicle Identification Number (VIN)
- The odometer reading for each car you’d like an insurance quote for
- The location where your vehicles are typically parked
- Your Vehicle: The more expensive a car is to repair or replace, the more it costs to insure. Your vehicle’s safety features can help lower your auto insurance quote, as can how often you drive the car and what type of driving it’s used for (business or personal).
- Your Address: Where you live and park your vehicle will affect your auto insurance quote.
- Your Driving Record: Having fewer incidents such as accidents, moving violations or claims in your driving record will help lower your rate.
If you already have a car insurance policy and are comparing new car insurance quotes to determine what is best for you, make sure that you are comparing similar coverage, limits and deductible amounts. In most cases Liberty Mutual can provide multiple car insurance quotes, any of which can be customized to meet your car insurance needs.
At Acceptance, we understand that you want the best value for your car insurance. That’s why we offer affordable car insurance policies that give you the best benefits for your money, like:
Basic Liability Car Insurance Coverage
Wherever you live, you’ll need some form of this car insurance to legally drive your car. It covers the expenses for others if you are at fault in an accident. Basic liability covers property damage (like fixing another vehicle if you dent it) and medical or other expenses incurred by the other party.
Comprehensive and Collision Car Insurance Coverage
If your car is not insured and involved in an accident, you might have to pay to rent a car or cover repairs yourself. Comprehensive and Collision coverage as part of your car insurance policy is a much better value because, even if you’re not involved in an accident, you can still be protected against theft, fire, vandalism and windshield damage. Want to reduce your monthly auto insurance payment? Choose a higher deductible.
Uninsured or Underinsured Motorist Car Insurance Coverage
You obviously feel responsible for having auto insurance; unfortunately, not everyone does. That’s why this coverage is required in many states. Even if it’s not required, consider protecting yourself and your family with this car insurance policy so you can make sure you get back on the road-and back to work-quickly.
Shopping for car insurance online is convenient and can offer you savings when compared with traditional methods. However, captive and independent agents at physical locations can make the experience smoother if you aren’t as comfortable with auto insurance policies. While there’s sometimes a price difference depending on whether you get car insurance online or in-person, the best way to save money is usually by comparing quotes. In addition, there are several methods you can employ to get the cheapest rates whether shopping online or with an agent.
- How to Get Car Insurance Quotes Online
- Pros and Cons of Purchasing Insurance Online vs Through an Agent
- How to Save Money When Buying Car Insurance
- Can You Cancel Your Auto Insurance Online?
How to Get Car Insurance Quotes Online
When looking to purchase auto insurance online, evaluate your existing policy, if you have one. You will need to know the features of your existing car insurance policy that you’d like to carry over to your new insurer, your coverage limits, and what you’re covered for. A good place to find a summary of your existing auto insurance is the declaration page that comes with your policy, it’s also available upon request from your insurer. The declaration page lists key information about your insurance policy including the policy term, limits for each type of coverage, and costs. If you’re happy with your current coverage, you can use your declarations page as a reference when searching for auto insurance quotes online to ensure you’re getting the coverage you want.
If you’re a first-time driver or simply looking for the cheapest option for car insurance online, then you’ll first want to know your state’s minimum requirements. While knowing the required amount of coverage is a good start, you should also consider your car’s value and what you want from your coverage to determine which policy to choose. Take note of what types of coverage and limits you want to get consistent quotes from insurers online.
Once you’re familiar with your existing policy or what kind of policy you would like, you can start searching for quotes online. The process is simple as most insurers have online forms that you can fill out to obtain a quote. Whether you’re going to be obtaining a quote from one insurer or multiple, here are the most common pieces of information you’ll need to have in order to receive a quote:
- Date you want your coverage to begin.
- Driver’s license
- Driver’s occupation
- Expiration date for existing coverage.
- Information about any previous violations or accidents.
- Personal information for any driver you want listed other than yourself.
- Previous insurer
- Social security number (for some insurers).
- Vehicle identification number (“VIN”) for the cars you wish to insure.
- Each vehicle’s anti-theft features
- Each vehicle’s year, make and model
Pros and Cons of Purchasing Insurance Online vs Through an Agent
You should purchase your insurance policy through whatever medium better aligns with your specific needs, whether that’s online or in-person with an agent. When purchasing auto insurance at a physical location, you’ll have the choice between a captive agent and an independent agent. The main distinction between the two is that captive agents only represent one insurance company, meaning you’d have to visit more than one in order to compare quotes. Below we list the benefits and drawbacks of different ways to purchase auto insurance:
Purchasing car insurance in-person with a captive agent: Captive agents can offer in-depth product knowledge since they can only offer products from one insurance company. These agents also have the added benefit of providing in-person support. The downside when using a captive agent is that they’re only able to offer products from one insurer. If you’re unfamiliar with auto insurance and are looking to be covered by a specific insurer then this may be a good option for you. However, you won’t know if you’re getting competitive rates for your auto insurance. To make sure you’re getting the best price, gather multiple quotes from different captive and independent agents.
Purchasing car insurance in-person with an independent agent: Independent agents, also known as insurance brokers, have the benefit of being able to offer rates from multiple companies for auto insurance. Typically, these agents also operate out of physical locations which means you can get personalized support. The drawback is that they could upsell you since they mostly rely on commissions, while captive agents usually receive a salary on top of commission. Another drawback is that the insurance broker won’t have relationships with insurance companies that employ captive agents or work directly with consumers. Therefore, you’d also have to contact captive agents in your area, and potentially go online, in order to compare prices of insurers that the independent agents don’t have access to. Purchasing your insurance through an independent agent is a good option if you want the ability to compare multiple quotes with minimal effort, while still getting in-person guidance.
Purchasing car insurance online: Purchasing insurance online is cheap and convenient, since you can save time and money by comparing quotes from multiple insurers at home. The only downside is that you receive less guidance when choosing a car insurance policy, which could result in fewer discounts and less assistance if you have complex coverage needs. While you’re able to connect to agents by phone, you won’t always be speaking with the same person. You should have a solid understanding of what you want covered under your auto insurance policy. As mentioned previously, this is generally attained by getting a copy of your existing coverage. To make sure you’re receiving the best price, you should gather multiple quotes from insurance companies online for the same coverage types and limits.
Car insurance companies, particularly those that let you purchase coverage online, have started offering features on their websites. Many insurance companies also offer the ability to file a claim, enroll in automatic billing, receive monthly statements, and update policy information online. Features vary by company, so ask your potential car insurer about any online features that are important to you.
How to Save Money When Buying Car Insurance
There are other ways to save money on your car insurance that go beyond comparing quotes. Reach out to your current insurer and asking for a discount before you switch companies, if the change is based on cost. If your insurance company wants to retain you as a customer, the agents will be willing to work with you. While that doesn’t always work, here are some common alternative ways to reduce your car insurance costs:
- Choose a vehicle with a low cost to insure.
- Choose to pay a higher deductible to reduce your premium cost.
- Pay upfront for your car insurance coverage rather than on a monthly basis.
- Shop around for different insurance companies to make sure you’re getting a fair rate.
- Shop for car insurance ahead of your policy’s expiration date as some insurers view it as a sign of responsibility.
Can You Cancel An Auto Insurance Policy Online?
Most insurers will not let you cancel your car insurance policy through their website, even if the policy was purchased online. You can cancel your insurance policy by calling, sending a letter or stopping by in-person at a physical location. Insurers will typically let you cancel your coverage at any point, but some companies charge a cancellation fee if you cancel before the term’s expiration date. Different insurers have varying policies on cancellation fees so you should call your insurance company prior to canceling.
If you’re canceling the policy and you’ve already paid the entire cost upfront then you may be entitled to a refund for a portion of the cost. When canceling your insurance policy, you will want a written confirmation from your insurer. This is good practice so that you have written record of the event in case you continue to be charged for insurance fees past the expiration date of your policy. If you still get billed for auto insurance, but don’t make any payments, then the insurance company could report it and damage your credit rating. You’ll also want to make sure that your new policy begins on or before the day that your existing coverage ends, so you’ll be continuously insured and driving legally.
Getting a car insurance quote online makes it easier to compare multiple insurance companies at the same time. You can get a quote from 21st, and see how much it will help you save over other car insurance companies. Also, you can compare the additional perks car insurance companies offer you for signing up. With 21st, that includes 21st Roadside Assistance, which includes 24-hour roadside assistance for all insured vehicles anywhere in the US and Canada.
It’s also important to compare what sort of coverage you can get for the price at different insurance companies. While some companies claim to offer cheaper car insurance policies, they often offer car insurance plans with less coverage to do so. So while you may be saving money up front, you could be paying more in the long run, especially if your car doesn’t have collision or comprehensive coverage.
Different car insurance companies also offer different discounts. If you’re looking for car insurance discounts, 21st has plenty to offer. They include defensive driver discounts, good student discounts, and safe driver discounts. Each one of these discounts can save you money on your car insurance.
If you’d still like to pay less for your car insurance, consider raising your deductible. That’s the amount of money you have to pay in the event of an accident or damages to your car, before your car insurance company will pay. If you agree to a higher deductible, this will lower your monthly car insurance payments.
Car Insurance Company
When picking your car insurance company, it’s important to evaluate their history, reliability, and how much you can save by switching. Getting a car insurance quote online will help you understand whether or not switching to a new company will be worthwhile. Don’t forget, however, to also read up on the company, before you sign-up for their insurance coverage.
A good place to start is on the company’s website. Usually, a car insurance company will have a detailed about us page, telling you about their history and greatest strengths. Make sure to read this to ensure you’re comfortable with the company.
Next, look for reviews of the company. A company will often list reviews, like Power Reviews, on a page of their site. Read those reviews carefully. These will sometimes tell you more about a car insurance company, as reviewers frequently have first-hand experience with things like their claims department.
Before You Get A Car Insurance Quote Online
When choosing a car insurance company, knowing what you want is half the battle. Make sure to decide before you get a car insurance quote online what you’re really looking for. If you’re looking for the cheapest possible car insurance, you may have to lower your expectations about perks and how much coverage you will get. If you’re looking for additional comprehensive coverage, expect to have to pay a little bit more for it. Finally, make sure you are confident in the car insurance company before you make a decision about switching.
Buy Auto Insurance
It may seem obvious, but anyone who has ever tried to secure their own auto insurance policy knows how challenging it actually can be. There is actually a great deal to know about buying auto insurance online before trying to secure a policy.
Taking your age, your driving history, the type of vehicle you drive and even your zip code into consideration is important when it comes to getting an auto insurance policy, not to mention the amount of coverage you need in addition to the amount of coverage you may want. If you need auto insurance now, we’ll help you figure out how much you should get.
The first thing to begin with is – understanding what factors really can help shape the rates you may have to pay when it comes to your car insurance policy. You can get really cheap auto insurance online if you make some smart decisions. Use this guide on how to buy car insurance and make the task you have been putting off that much easier. We’ll help you get the best car insurance near you instantly.
Auto Insurance By State
Different states across the U.S. have varying requirements when it comes to auto insurance coverage as well as the safety laws that rule their roads. Find out which coverages are required for each state below and where you can instantly get cheap auto insurance online. Also included are the local cellphone, DUI, licensing, and speed limit laws so you can be prepared when crossing state lines. Compare free auto insurance quotes and learn how much you can save from buying auto insurance online.
Auto Insurance By Car Type
The type of car that you drive is another aspect that influences auto insurance rates. Safety, reliability, and sensibility are important car features that will affect the price you will pay to insure your vehicle. Our goal is to help you buy cheap auto insurance online. For more information on what type of cars will get you lower insurance costs, read the auto insurance breakdown by car type below.
The Internet has made getting auto insurance quotes a lot easier. Rate-comparison websites let you see quotes from dozens of companies within minutes, or, with a bit more time, you can get rates directly from insurer websites.
But just because it’s easy to get an online auto insurance quote doesn’t mean you should skip an appointment with an agent. Online quotes have their place, but some shoppers may be better off working face to face with an insurance agent.
Have few assets? Online quoting is OK
The less complicated your insurance needs, the more likely it is that online quoting will be sufficient.
Who has less complicated insurance needs? “The single, young … or mortgageless,” says Chris Michaut of Jeff Williamson Insurance in Lebanon, Ohio.
If the most expensive thing you own is your vehicle, getting quotes and buying online will get you a reasonable policy, Michaut adds.
Buying online also is well suited to very price-sensitive insurance shoppers. “We have certain people call in … that are literally only looking for state minimum coverage. They are perfect candidates for online shopping,” says Scott Grimm of PPI West Insurance Services in Newport Beach, California.
Own a home? Talk to an agent
However, as you accumulate more assets, you may want to buy through an agent, says Scott Johnson of Marindependent Insurance Services in Mill Valley, California.
Buying your first home is a good time to consider using an insurance agent, and as you build up assets, an agent’s services become more crucial. “Ever try running a quote online with six autos, two of which are used for business, one primary home, one vacation home and a $4 million umbrella [policy]?” Johnson asks.
A quote that combines homeowners insurance, car insurance and umbrella coverage can be tough to manage correctly without an agent’s help. “As your net worth grows, the reasons multiply for you to be sued,” Johnson says.
“Once you have equity, savings, stocks, bonds and money in checking, an accident can wipe it all out! That’s when an agent can be of the most use to assess your need,” Michaut says.
Don’t have many assets? There are still reasons you might want to buy through an agent. Maybe you’re a little fuzzy on insurance terms, or maybe your situation is complex. If you have multiple tickets or claims, or use your vehicle for work, an agent can help you choose the best car insurance, Johnson says.
Shop smart when buying insurance online
Rate-comparison sites and and direct-to-consumer insurers, like Geico, can still be useful, even for homeowners. “It’s a great idea for everyone to shop around to make sure they’re getting a good deal,” Grimm says.
But it’s important to keep that information in perspective. You can buy the right coverage online, Michaut says, but the key is knowing how much you need — and an agent can help with that.
If you decide to get car insurance quotes online, know that saving on car insurance isn’t always the most important goal. Buying sufficient coverage — which often means buying more than the state minimums — is important. Michaut recommends liability limits of at least “50/100/50” — that is, a policy that covers $50,000 worth of bodily injury per person in one accident, a total of $100,000 worth of bodily injury per accident, and $50,000 worth of property damage liability.
And know that the cheapest quote may be misleading. “People should have their existing coverages in front of them to compare every line item,” Grimm says. If your new quote is based on a much higher deductible or lower coverage amounts, you might be fooled into thinking it’s a better deal.