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Auto Insurance FAQ

Questions and Answers:

The ability to purchase auto insurance online is a luxury that today’s consumers enjoy. Because the task of searching, comparing and purchasing auto insurance online can seem overwhelming, we at InfoFAQ have found answers to some of the toughest questions about online auto insurance providers. Below are some important frequently asked questions with answers provided by different auto insurance providers.

Frequently Asked Questions About Buying Auto Insurance Online

Is it safe to buy auto insurance online?

Yes ! The internet has proven to be a very effective means for consumers to do price comparisons when shopping for auto insurance. The vast majority of online insurance sellers are legitimate companies that are safe to do business with.

Can any auto insurance company sell insurance to me?

When you want to purchase auto insurance from a company online, you should make sure that the company is licensed to sell and provide insurance in your state. Insurance companies, online or not, are required to be licensed in each state they operate in. You can check them out with your state’s Insurance Commissioner.

What should I look out for when looking for auto insurance online?

Auto Insurance companies will try to offer you the lowest rate in order to get your business. But when comparing prices, be sure that you provide identical information about yourself, as this will affect rates. Also make sure that you are comparing equal levels of coverage, as the different offerings may be based upon different levels of coverage and protection. It is also good to see what coverage’s are included, such as roadside assistance, as not all companies provide this.

Is it safe to give out so much of my personal information online when I request an auto insurance quote on the internet?

Most companies are legitimate providers, and will deal with you honestly. You should read the website’s privacy policy to see what they will do with your information once you provide it to them. Also make sure that the web pages where you fill out your information are protected by SSL Encryption so that no hackers can gain access to your information. To make sure the web pages are secure, look for the little lock on the bottom of your web browser’s screen when you get to the pages you need to fill out.

If I try to purchase auto insurance on the web, will I get my policy from the same company?

In many cases the insurance provider will be the same company as the one operating their web site. But in other cases the web site is really just a lead generation method for other outside insurance companies. These types of web sites will sell your sales lead to an outside insurance company who will then contact you. This is not necessarily bad, but just make sure that you understand who you are dealing with and how they will handle your information.

Is it more difficult to file a claim with an online auto insurance company?

Even though you may have purchased your auto insurance online using the internet, your claims process will usually be handled over the phone. Once you have purchased auto insurance online, you will be provided with customer support phone numbers to use when filing a claim, so it should be just as easy as if you had purchased your auto insurance from a local agent.

Can an online auto insurance seller get me the best rate?

One advantage that online auto insurance resellers have is that they will, in some cases, represent multiple insurance carriers. This lets them give you a quote from multiple insurance carriers, and helps you to find the lowest cost provider.

Can I get a better deal from an auto insurance web site that is located in another country?

Since all companies that sell auto insurance must be licensed in the state in which you live, you should make sure that any insurance company you buy from is licensed in your state. It does not matter so much if the insurer is located in another country, as long as they are properly licensed in your state. Check with your state’s Insurance Commissioner’s office to see about the company’s license.

Is it faster to purchase auto insurance online instead of from a local agent?

This will depend on whether the website selling the insurance is run by the insurance carrier or just a reseller, and also on how they do business. There is really no way to tell except to read each companies web site or ask them a question online or by email. In some cases the online insurer can issue a policy online and give you a proof of insurance form to print out for your records.

How do I contact my state's Insurance Commissioner to check out an online auto insurance company?

You can search the web for your state’s Insurance Commissioner’s Office website, or you can call them on the phone.

You Can Reach Your State Insurance Department at:

AL: 205-269-3550
AK: 907-465-2515
AS: 684-633-7584
AZ: 602-912-8400
AR: 501-686-2900
CA: 213-897-8921
CO: 303-894-7499
CT: 203-297-3800
DE: 302-739-4251
DC: 202-727-8002
FL: 850-413-3100
GA: 404-656-2056
GU: 671-475-5000
HI: 808-586-2790
ID: 208-334-2250
IL: 217-782-4515
IN: 317-232-2385
IA: 515-281-5705
KS: 913-296-7801
KY: 502-564-3630
LA: 504-342-5900
ME: 207-582-8707
MD: 410-333-6200
MA: 617-521-7777
MI: 517-373-9273
MN: 651-297-7161
MS: 601-359-3569
MO: 314-751-2640
MT: 406-444-2040
NE: 402-471-2201
NV: 702-687-4270
NH: 603-271-2261
NJ: 609-292-5363
NM: 505-827-4601
NY: 212-602-0203
NC: 919-733-2032
ND: 701-224-2440
OH: 614-466-2658
OK: 405-521-2828
OR: 503-378-4271
PA: 717-787-5173
PR: 809-722-8686
RI: 401-277-2223
SC: 803-737-6160
SD: 605-773-3563
TN: 615-741-2176
TX: 512-463-6464
UT: 801-538-3800
VT: 802-828-3301
VI: 809-774-2991
VA: 804-371-9741
WA: 206-753-7301
WV: 304-558-3394
WI: 608-266-0102
WY: 307-777-7401

This list is from the federal govt : Insurance Information Institute

Consumer Safety and Information

Shopping Guide - insurance.mo.gov

Consumer shopping guide for auto insurance.

Auto Insurance - insurance.oregon.gov

Tips, questions, resources, and guides for Auto Insurance.

Personal Auto Insurance- www.maine.gov

A consumer's guide to personal Auto Insurance.

Getting Started - www.insurance.wa.gov

Find information on getting auto insurance, reducing rates and filing claims.

Consumer Action Handbook - www.consumeraction.gov

This handbook provides advice on issues to consider when selecting your automobile insurance coverage plan.

Visit our Credit Card Fraud section for useful information.


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