There are a number of different way to get car insurance- the best way is to use a local, independent agent.
How To Buy Car Insurance
Car insurance seems like the most accessible thing to buy these days. Commercials, telemarketers, door knockers and everyone else seem to be everywhere and ready to sell you a policy in a heart beat. Make a post on social media asking for a car insurance agent and within 10 minutes you’ll have 100 recommendations. Everyone wants to sell you car insurance! So that begs the question- How do you get car insurance?; or rather, what is the best way to get car insurance?
You could easily type “how to get a car insurance quote” into Google and you would get 1,000’s of options; but this isn’t the best way. Many of these search results are large companies, that don’t even sell insurance. Instead, they use Google Ads and pay to show up in the search results when someone types in “how to get insurance on a car”. They then take your information and sell that information to dozens, if not 100’s of different insurance agents.
These agents then have to compete with each other just to try to get you a quote. You’ll get dozens of email, texts and phone calls within minutes of filling out an online form. These agents calling you may be in your state or they may be on the other side of the country. They don’t know you or your specific situation. They are simply looking for a quick sell without actually helping you get the car insurance coverage you need.
So, if you’re still wondering how to get car insurance, what should you do? We recommend searching for a local, independent car insurance agent. Ask your close friends and family who they use. Get a referral from a trust, reliable source. Use an independent agent as they can search multiple companies for you. Use someone local so they can get to know you and your specific situation and put together a policy specific to you.
A good car insurance agent wont leave you wondering “how do I get car insurance?”. Instead, a good agent will walk you through every step of the process and make it the easiest thing you’ve ever done!
How To Get Car Insurance Online
In today’s world, many people prefer to do everything online. It’s simple, fast and you can do it while eating cereal in your underwear! While I enjoy and prefer to buy many things online, insurance is not one of them. Here are a few reasons why you should not buy car insurance exclusively online:
- You don’t know who you’re dealing with
- No personalization
- Not state or city specific
- Who do you call when you have a problem?
For these reasons and many more, it’s not advisable to purchase car insurance exclusively online. You can do valuable research online on how to buy auto insurance or how to get a car insurance quote or even what insurance companies are better than others. You can even search for local insurance brokers online. However, when it comes to actually purchasing your car insurance policy online, we’d advise to instead speak with a local, independent broker.
Many independent brokers, including us at Safe Street Insurance, have online portals where you can enter your information and begin the quoting process. When someone uses our online portal to start the quoting process, we start the quote with the information we have and then we always get them on the phone or visit with them in person. We do this so we can get to know them and their needs and specific situation. This way we get them exactly what they need and they aren’t left wondering how to get auto insurance quotes or if the policy they purchased is the best policy for their situation.
How To Sign Up For Car Insurance
After you’ve gone through the research, found a good company, a good agent and a good rate, what now? At this point it becomes very easy, especially if you’re working with a good agent. They will give you a number of different payment options.
- Pay in Full
- Pay Monthly
- Paper Bills
- Automatic Payments
Other companies may have other options, but these are the main ones. The best way is to pay in full, as this gives you the biggest discount.
It’s important to note that you should NOT cancel your current car insurance until your new agent tells you your new one is active and in place. Don’t make the mistake of canceling your current policy before the new one is in place. You don’t want to have a lapse in coverage and be driving around without car insurance. Even if it’s only for a 1 day!
Once you’ve figured out how to get auto insurance and have made payment on a new policy, you’ll need to sign the application. If you’re in person, this is something you can easily sign right away. In today’s world, most insurance companies will send you an application electronically and you’ll do an e-signature. This makes life easier, but it also tends to help people not look at the application. Many people sign without ever looking the application over! Make sure you look at all the information and verify it’s correct. Things like the cars listed, drivers listed, address, etc should all be correct. Don’t sign until you verify!
Once you pay and sign then you are good to go! Most companies will give you access to their online portal, where you can access all your car insurance information. They will also mail your policy documents to you.
If you’d like to start the quoting process and have an independent broker reach out to you, click here and fill out the information. We can’t wait to help you!