Buying Insurance Online? Here’s What You Need to Do First
Thanks to the internet, buying online insurance in California is quick and easy. However, if you’re willing to do a tiny bit of homework, your experience can be even easier and more affordable. Here’s what you need to do:
Get Your Information Together
Sure you can enter your zip code and car’s make and model and get a ballpark quote. However, in order to actually open and purchase an insurance policy, you’re going to need to supply more specifics such as:
- Your car’s vehicle identification number (VIN)
- The driver’s license numbers of anyone who will be driving the car
- The number of miles you usually drive in a year
- Any safety specifications your car has, such as anti-lock brakes and passive restraints
Having all this on hand will save time when you’re trying to start your policy.
Visit the DMV
Luckily, you don’t have to visit in person. However, a visit to the California DMV’s website will give you the lowdown on what type of coverage you need and exactly how much. There are several different types of coverage available including comprehensive and collision, uninsured motorist, bodily injury liability, property damage liability and personal injury protection. Depending on your situation, you may or may not need or want every type of coverage so finding that out ahead of time is extremely helpful.
Know Your Discounts
California residents are blessed with a number of discounts, most notably the “good driver” discount. If you meet certain criteria, you can enjoy 20 percent off standard insurance rates. Other discounts include mature driver, marriage discount, multi-car, multi-policy, and anti-theft. Check to see which discounts you qualify for so you can be sure to get the best rates.
Check off the items on the above list and your online auto insurance buying experience is sure to be a smoother, less expensive one.