Car Insurance Quotation Online Procedure

Getting a car insurance quotation online is simple and it should not take much of your time in the day. An insurance quote is an estimate given by potential insurance carrier of what your rate would probably be like. The fact that it is an estimate means that it may or may not change depending on the information given by you at the time of quote. While it provides convenience, many people question whether or not the estimate is accurate.


As a general rule of thumb, the more forthcoming a prospective customer is with the information, the more accurate your insurance quote will be. Back in the days, in order to get an insurance quote, prospective customers typically have to call an insurance agent. This generally takes ten minutes for you to give your agent the required information. Within a few hours, your agent will call you back with your insurance quote. Prospective customers are allowed to ask additional information during this return phone call.

Now that we are living in a digital era, there has been an addition on how to get an insurance quote. The advertised time it generally takes to get your quote is 15-minutes. However, this greatly varies depending on how detailed your information is and how many vehicles you need a quote on. Other than that, your internet speed may also affect your the procedure.

How to get online auto insurance quotes

Obtaining car insurance quotes online is actually an incredibly fast and easy process. Gone are the days where you must be call every insurance company and repeatedly provide the same information. With car insurance quotation online, you can easily compare companies and coverage options. With a click of a button, the results along with the prices will be provided all at once.

What are the required information?

Online insurance quoting systems pull the same reports and results insurance agents do. With that being said, it will auto-fill whichever information you requested into your insurance quote. Thus, its accuracy is not to be questioned. If you are a first-time buyer, or you don’t have a copy of your policy, take a look at the following section.

  • Vehicle information.

Typically you will also need your Vehicle Identification Number (VIN). However, if you only have the make, model, and year of your car, you are still able to get a quote.

  • Personal information

Provide your date of birth, both living address and mailing address if you have both, student status, marital status, and license number.

  • Driver information

If there is someone else on the policy, you will need to add their information as addition to yours. Even if they do not drive the car, you still have to list them, and later exclude them as non-drivers.

Once the information are provided, you will be asked about coverage options you are looking for. There are a few types of coverage on the market. Liability, Comprehensive and Collision, as well as Medical Payments. Other addition such as rental car coverage, roadside assistance, accident forgiveness are among a few options you may get the car insurance quotation online.