Many people buy car insurance online because it’s easier than calling or visiting an insurance provider in person. This method can save you time and money as you compare quotes from multiple companies. You can shop online when you want, whether it’s while waiting in line or sitting at home. To make the most of the process and get a great deal, you should follow these tips.

1. Be Prepared

Know what coverage you need and want before you start shopping for car insurance online. You’ll need to carry the minimum liability coverage in your state, but you may want more coverage than what is required. Think about your options before you start searching.

Also consider comprehensive and collision insurance. If you are financing a vehicle, you will need to carry this policy as well. You’ll also discover riders and add-ons, which you may find beneficial, but they will add to your price. Know what you need, but avoid paying for something you don’t want.

You’ll also need to have information about your vehicle on hand when you submit information for a quote. The more data you have to include, the more accurate the quote will be. You’ll be asked for your driver’s license number and vehicle identification number. Have your registration handy, and be prepared to give permission for the providers to check your credit.

2. Compare Products and Providers

Once you have input your information, compare the options you are given. Make sure the policies are identical or you can tell the difference to determine who has the best rate. Don’t forget you may be able to claim discounts, which would lower your price. Factor that in before you select a provider.

Once you have the base quotes, you can visit the providers’ websites to find out more about what they offer. You may discover one company provides a discount for alumni of the college you attended. Another may offer discounts if you work at a specific company or are a military personnel. Knowing these details can help you save even more money.

3. Select Your Coverage

Once you find a company that offers great rates and fantastic service, you need to sign up. Choose the coverage you need, and they will create a policy for you. Make sure you know the details of the coverage you’re getting, such as any limitations or restrictions. Also find out who to contact if you should ever need to file a claim or have any questions about your policy.

While shopping for car insurance online can help you save time and money, it’s also helpful to work with an agent once you receive an initial quote. When you have a live person to talk to, you can get your questions answered and feel more secure about your coverage. An independent agent who offers multiple policies makes it easy to save money while working with someone who will help you along the way.

ASA Insurance provides excellent coverage for car and home insurance in the Salt Lake City area with the lowest rates to the English and Spanish communities . Affordable rates and superior service for all home, auto and business/commercial insurance needs.