Tips To Purchase Car Insurance Online

Getting quotes online for car insurance isn't as easy as it sounds

. Filling out a few forms and answering some simple questions might seem simple, but that's only a fraction of what you need to do in order to get estimates that area even close to what your real premium will be. If you want to purchase car insurance online you can get some good deals, but you need to know what you're doing first.

Many insurance carriers rely heavily on driving history and credit reports. Even though the original application includes answers to question pertaining to education and military experience, the bottom line is what does your credit report look like and what is on your driving record.

States are set up differently. If you enter some simple information online, such as your name and address, they may have access to databases that already include your drivers license number and your address where you last owned a car. It probably also lists the car.

However, without your permission - which means providing your social security number - insurance companies can't access the personal information they need on which to make an educated informed quote. And in reality, they do need this information in order to give you a viable idea of what new car insurance will cost you.

If you lie about your credit history and say you've never had a ticket, you may be able to get a quote, but once push comes to shove and you decide you want to deal with a particular company, they need your social security number and your license. Once they get that information they will pull your records - and if they find anything you haven't admitted to thus far, your quote might be meaningless. The actual premium could easily be double what you thought.

Each inquiry into your credit report means an adverse affect on your FICO score. If you have ten or fifteen companies checking on your credit report, your FICO score could end up so low that this alone is the reason you will be uninsurable.

When you find a company you definitely want to do business with, it is definitely cheaper to actually buy the policy online. There are some steep discounts for online purchases. Many people buy online after calling and speaking with a customer service rep.

Buying online gives you access to all sorts of information including your bills, proof of insurance, your actual policy, and 24/7 online support.

by: Alexis Ford

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