- 1). Know your state's requirements. Each state's minimum requirements for auto insurance vary. At a minimum, they require you to carry liability coverage on your vehicle. A list of each state's requirements can be found at Edmunds online.
- 2). Determine how much coverage you will need. An individual's needs will vary, but generally speaking you will want to purchase $50,000 in bodily injury and $25,000 in property damage. If you own a home, you may want to consider increasing your limits to protect your assets.
- 3). Review your current policy limits. If you are happy with your current limits, use these limits when purchasing an auto insurance policy online.
- 4). Review quotes online. Companies like InsWeb offer online quotes from several insurance companies at once. This tool will save you the time of filling out several quotes. However, if you are more comfortable, you can visit leading companies such as State Farm Insurance, AllState and Progressive online for direct quotes.
- 5). Compare the quotes side by side. Once you have your quotes together, compare the premiums side by side to determine the best deal.
- 6). Check the department of insurance. Before purchasing an auto insurance policy online, it's wise to check with the state department of insurance for complaints. This will allow you to observe how the company resolves complaints.
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