Use Social Media to Drive Off with Online Car Insurance ...

At a time in life when many consumers are trying to save money where and whenever possible, driving off with better rates on car insurance certainly seems appealing.

According to Comscore?s 2011 Online Auto Insurance Report, 20 percent of all consumers presently buy their insurance online.

Meantime, a 2011 JD Power study noted that 58 percent of Gen Y used insurers? websites to obtain data on insurance, while 48 percent of Gen Y obtain quotes right from insurers? websites.

So, it would certainly appear that more and more consumers are driven to go to the Internet to shop for and purchase online car insurance. Not only are more insurance providers taking to Facebook, Twitter and other social venues to promote their products, but shopping for car insurance online allows you the freedom of doing it from the comfort of your computer or other technological device.

With that being the case, what are some keys that drivers should focus in on when looking for their auto insurance online?

Among them would be:

* ?Shop around ? The most important tip is to get several quotes right off the bat. While the first quote you come across may sound really great, how does it compare to others? Make sure you get a number of quotes to compare and contrasts the insurance companies. Also take the time to review their customer service record, financial stability, and that the quote you receive is properly rated. Keep in mind that different insurers? could be writing slightly varying liability limits or different deductibles. Even numbers that are slightly different can end up impacting how much you pay for car insurance in the end;

* Know your driving record ? Of utmost importance is your past driving history. Keep in mind that insurance companies check your driving history (at least they are suppose to) when preparing your quote. In the event they don?t, and in the event you have a past violation or two, it could alter the initial quote you receive, making what you would actually pay for car insurance higher;

* Know your credit score ? Something that can slide under the radar for many drivers when shopping for car insurance is their credit history. For those with a bad one, it can definitely raise their car insurance premiums. Just as with your driving record, make sure your credit reporting is correct and updated. Keep in mind that should one car insurer do your quote with your record and another does not, you will not receive an honest comparison of the rates. In the event there are problems with your credit history, such as if you went through financial problems like a divorce or failed small business, be sure you can explain such factors;

* Know the right amount of coverage ? As you are obtaining your quotes online, remember that there are different coverage packages available. If you have an older vehicle whereby its actual cash value does not warrant a full coverage package, consider less coverage. It is also important to note that coverage requirements can vary in the states, so keep that factor in mind. In some instances, you may have to purchase bodily injury and property damage liability coverage;

* Know who you are dealing with ? Lastly, look into the insurers? track record of raising prices over time. If you see a pattern of consistent hikes, look elsewhere. It is also important to make sure the carrier is licensed by its state?s insurance department. In the event you?re not familiar with the company, contact your state insurance department to make sure they are who they say they are.

As you look to lessen the impact car insurance has on your wallet, yet still say properly covered and protected, take the time to drive on off with the right coverage.

Photo credit: carinsurance.org

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Source: http://www.socialnomics.net/2012/11/06/use-social-media-to-drive-off-with-online-car-insurance/

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