Car Insurance Shopping Tips Online

Most car buyers end up shopping for car insurance after they've already bought a car. This is one of the biggest mistakes car buyers make and end up costing them more money than they budgeted up front.

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Once you have a general idea of the car you would like to buy, you should then shop for insurance rates.

The law requires full coverage car insurance if you're financing a new or used car through a bank, lender, or finance institution. If you don't check first, you could end up paying a higher monthly payment for insurance then you're actually paying for your vehicle.

In our car insurance section, We go over different types of insurance coverage, myths, company reviews, and how to get free, no-obligation car insurance quotes online.

Benefits of Car Insurance Shopping Online

Depending on your past driving record and the car you're wanting to buy, the short answer is, "car insurance can be very expensive," especially when it comes to buying a brand new car.

The Internet makes it easy for you to comparison shop car insurance rates so you can choose the absolute best coverage for you and receive it at the lowest possible price available.

Benefits of shopping online include:

Car Insurance Buying Tip - Most consumers will find some benefit from shopping for car insurance using the Internet, whether it's peace-of-mind from low-pressure shopping or saving a few dollars off their policy premiums. With online insurance companies providing you the opportunity to get free no-obligation rate quotes you have nothing to lose, it's definitely worth the time to at least check out.

If You Don't Have Insurance Coverage or Let it Lapse

You don't want to be caught driving without auto insurance, it is illegal and most states have very hefty penalties. Many insurance companies will not provide you with insurance coverage if you're not currently insured.

Be cautious of fly-by-night companies offering cheap policies from unrated insurance carriers. These companies may not be in business if you ever need to file a claim. It's well worth paying a little more to go with a well known carrier and the peace of mind if something ever happens you'll be covered.

There are only a few well-known companies such as GEICO that will provide you with a free, no-obligation rate quote and consider providing you insurance coverage if you're not currently insured.

Does Credit History Affect Auto Insurance Rates?

Not only does your credit history affect the interest rate you will pay for a car loan, it will affect the price you pay for auto insurance also.

Everyday more and more car insurance companies are taking into consideration your personal credit history and score when you purchase, renew or change your auto insurance policy. Insurance companies have found a direct correlation to people with bad credit tend to also carry a higher insurance risk by filing more claims on their insurance policies.

This can also be a very good reason to shop car insurance rates to find a better deal. If you have some bumps in your credit history when you last purchased car insurance and your credit history has since improved, it's time to explore your options. An insurance company is not going to call and offer you a discount once your credit history improves. Knowing and maintaining what's on your credit reports is a positive thing and will help you throughout your life.

Shop Auto Insurance Rates Often

Insurance companies are aware most people will purchase coverage and then forget about it. This is not a good habit to have.

Policies and plans update roughly about every six months. You should shop insurance rates about every 6 months especially if you have a clean driving record. You may be due a discount or qualify for a cheaper rate for the same or better insurance coverage.

Online Auto Insurance Companies We Recommend

The companies we recommend are leaders in the industry. They'll provide you with free quotes so you can review and compare prices and make a good buying decision.

Make sure you provide them with accurate information and you will want to enter the same information to each separate company. The goal is to get price quotes from each company on the same type of coverage. You also want to be honest with them. Don't think you can "forget" about a speeding ticket you received a few months ago. They will find out and possibly raise your rate or cancel you altogether.

Recommended Online Car Insurance Sites

get insurance quote from usaa | AutoCheatSheet.com

USAA membership is open to U.S. military service members, veterans with an honorable discharge, and their eligible family members. Once you become a member you will have access to some of the lowest insurance rates available to you and even your teen driver.

Get a Free Insurance Quote From USAA Here >>


Get a free car insurance quote from geico.com | AutoCheatSheet.com

Geico stands for Government Employees Insurance Company. They are the second-largest private passenger auto insurer in the United States per A.M Best. Providing superb customer service Geico will provide you their rates along with their competition for you to compare.

Get a Quote From Geico Here >>


get insurance quote from 21st Century Insurance | AutoCheatSheet.com

21stCentury has been around since 1958. Part of the Farmers Insurance Group, they're ranked #1 in Auto Insurance Website Responsiveness by Keynote®. With 24/7 online policy and claim services, they believe you can get the same great coverage for much less.

Visit 21st Century Here >>


Click here for my full auto insurance company reviews >>

Share Your Tips - If you have any tips on buying auto insurance that will help other car buyers save money. Please tell us about it in the comments below, so we can share it with everyone.

Continue to our section on How to Find Insurance Quotes Online.

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Did You Know?


Inquire with your insurance company about "diminished value reimbusement" if your vehicle has been repaired after an accident.

You should not have to pay as much for coverage because your vehicle will be worth less than it was before the accident.

This coverage is not available in all states.

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