There are many myths about car insurance that have been floating around for years, and some of them may affect your buying decision. Educate yourself--or un-educate yourself, in this case--and you can make the smartest decision about your car insurance. Myth: The day you turn 25 (or 18, or 35,) your car insurance rates go down. It is true that most insurance companies lower rates as drivers...

Car Insurance Online Purchase - Some Benefits Of The Internet

Greg Haehl

Is it possible to purchase car insurance online? Most folks are used to purchasing their car insurance by leafing through a telephone book and calling local insurance agencies. When you call a local agency they usually request a copy of your current coverage in order to give you an accurate comparison as well as advice . This same process can happen with online quoting as well. The online quoting system will require you to post all pertinent insurance information to give you an accurate quote. You do more of the work but you are better informed when you complete the process.

Car Insurance Information Needed for Online Quoting

1. Expiration Date - The expiration date is critical because it proves that your insurance has not expired and that will qualify you for a preferred rate with most companies. If your insurance has expired then you may be underwritten into a substandard carrier and those rates are higher.

2. Driver Information - All resident relatives that have a driver's license need to be rated on the policy. You will need to enter the name, date of birth, and driver's license number.

3. Driving Record - Accidents and violations need to be disclosed to pre-qualify you for the insurance. This needs to be accurate because insurance companies will find out about your driving record anyway. They check motor vehicle reports from your state as well as your prior carrier.

4. Vehicle Information - You will have to list each vehicle on the policy. You will need the vehicle identification number for each vehicle. That number will give the insurance company the pertinent information that it needs to discount the vehicle for air bags, anti-lock brakes and other safety features.

5. Current Coverage - Use your declarations page to list all of the coverage that you currently have on all vehicles. This will include liability limits, first party benefits and physical damage limits.

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