Buy Car Insurance Online

Get a Quote
Discover discounts and benefits with the AARP Auto Insurance Program from The Hartford.

Can You Buy Car Insurance Online?

buy car insurance online Are you looking to buy car insurance online? If so, purchasing car insurance right from your home computer or phone is easier than ever. With a quick internet search, you can research your coverage needs and buy policies at your convenience.
 
However, before you buy your car insurance online, you’ll want to make sure you understand how car insurance works. It’s helpful to know what coverages you’ll need for your car type, family and lifestyle.
 
To get the best price on policies, you can also compare several quotes from different insurance companies. To start your search, get a car insurance quote from us today.
 

How to Get Car Insurance Online

1. Gather Your Information Before Getting a Quote

get car insurance online To buy coverage online, you’ll need to get the required insurance information ahead of time, like your car’s:2
 
  • Make, model and year
  • Vehicle Identification Number (VIN)
  • Safety features
  • Mileage
You’ll also need household information, like:
 
  • Your name
  • Your address and zip code
  • Driver’s license number
  • How many people in your household you need to insure
  • Dates of birth for all licensed drivers in your household

2. Review Car Insurance Requirements in Your State

Each state has its own laws and car insurance requirements for minimum liability coverage limits. That’s why it’s important to review your state auto insurance laws before getting an online car insurance quote.
 

3. Compare Car Insurance Coverages

While your state’s minimum requirements are a good starting point, you’ll generally want to get more than the minimum amount. That’s because if you’re in an accident and the car’s damages exceed your liability coverage limit, you’ll have to pay for some of the repairs out of pocket.
 
It’s also important to understand your car insurance coverage options and if you’re high risk for a company to insure. For instance, if you’ve had a lot of driving violations in the past, your rates may be higher. You’ll also want to see how you can customize your policy to fit your needs with different products and services from your insurance company.
 
Some coverages you’ll want to look into, include:
 
For more information on determining the cost of your auto insurance coverage, you can read through our car insurance calculator page.
 

4. Check Out Car Insurance Discounts & Benefits

With the AARP Auto Insurance Program from The Hartford, you can save money on your premium with car insurance discounts and benefits like:
 
  • Benefits for AARP members: You’ll get savings of up to 10% just for being an AARP member.
  • AARP home and auto insurance bundle: You can save up to 5% on your auto insurance and up to 20% on your home, condo and renters insurance if you bundle them with us.**
  • New car replacement coverage:§§ If you total your new car, we’ll replace it with a new one of the same make, model and equipment. We also won’t subtract depreciation.
  • RecoverCare:§ This benefit provides reimbursement on home services, like house cleaning, that you’re unable to do after an accident.
  • Disappearing Deductible: With this optional benefit, your collision deductible will be reduced over time as long as you maintain a clean driving record.
  • Accident forgiveness: Your insurance rates won’t go up as a result of your first accident as long as all drivers on your Hartford policy have a clean driving record for five consecutive years.

5. Get a Car Insurance Quote Online

Once you’ve finished researching coverages and car insurance rates, your next step is to get quotes that you can compare. To get started, get a free car insurance quote from us online today.  
 

6. Purchase Your Car Insurance Online

When you’re ready to purchase your policy, you’ll want to have personal information prepared ahead of time, like your:
 
  • Vehicle make, model and year
  • Vehicle Identification Number
  • Registration
  • Mileage
  • Driving violations or accidents within the last five years
Once you have that, you can begin the quoting process where you’ll choose your liability limits for policies and deductibles. Depending on the car insurance company you’re working with, you may also need to answer certain questions that can help you get discounts. For instance, a company may ask you about the vehicle safety features you have installed in your car because these can help lower your rate.

Remember, you can buy auto insurance online through companies’ quoting tools or you can call their representatives. You can also work with an insurance agency separately. Most companies offer downloadable insurance cards for proof of coverage once you have your auto policies.
 

Get a Quote for Car Insurance Online Today

Whether you buy car insurance online or over the phone, we can help you find the best coverage. To learn more, get a free car insurance quote from us today.
 

Frequently Asked Questions About Buying Car Insurance Online

Who Has the Cheapest Online Car Insurance?

car insurance online To find the cheapest coverage online, you’ll want to get multiple auto insurance quotes from different companies. You can then compare them to find the lowest rate.
 

How Can I Get Insurance Fast?

Getting a quote online is usually the fastest way to get car insurance coverage. However, you can also call your insurance company for help. Their representatives should be able to recommend the policies you need and answer your questions about coverage.
 
To learn more about the types of coverages you need, get a quote online today.
 
 
** Average savings amounts based on information reported by customers who switched to The Hartford from other carriers between 1/1/20 and 12/31/20. Your savings may vary. Average auto insurance savings is $507 and average home insurance savings is $120. Rate differences for AARP members and non-members vary by state and AARP membership tenure. Auto/Home discount is available only to policyholders who have both their auto and home (or condo or renters) insurance through the AARP Auto & Home Insurance Program from The Hartford. The Home product is not available in all areas, including the state of Florida.
 
§ Availability of RecoverCare benefit and benefit levels vary by state. The Hartford RecoverCare Advantage® is a registered mark of The Hartford.
 
§§ Terms and conditions apply.
 
Terms and conditions apply. Accident Forgiveness and the Disappearing Deductible are not available to CA policyholders.
 
‡‡ Terms and conditions apply. Availability varies by state.
 
Additional disclosures below.
Summaries of coverages and policy features are for informational purposes only. In the event of loss, the actual terms and conditions set forth in your policy will determine your coverage.

AARP and its affiliates are not insurers. Paid endorsement. The Hartford pays royalty fees to AARP for the use of its intellectual property. These fees are used for the general purposes of AARP. AARP membership is required for Program eligibility in most states.

The AARP Automobile Insurance Program from The Hartford is underwritten by Hartford Fire Insurance Company and its affiliates, One Hartford Plaza, Hartford, CT 06155. It is underwritten in AZ by Hartford Insurance Company of the Southeast; in CA by Hartford Underwriters Insurance Company; in WA, by Hartford Casualty Insurance Company; in MN, by Sentinel Insurance Company; and in MA, MI and PA, by Trumbull Insurance Company. The AARP Homeowners Insurance Program from The Hartford is underwritten by Hartford Fire Insurance Company and its affiliates, One Hartford Plaza, Hartford, CT 06155. It is underwritten in AZ by Hartford Insurance Company of the Southeast; in CA by Property and Casualty Insurance Company of Hartford; in WA, MI and MN, by Trumbull Insurance Company; in MA, by Trumbull Insurance Company, Sentinel Insurance Company, Hartford Insurance Company of the Midwest, and Hartford Accident and Indemnity Company; and in PA, by Hartford Underwriters Insurance Company. Not available in all states, including FL. Specific features, credits and discounts may vary and may not be available in all states in accordance with state filings and applicable law. Applicants are individually underwritten and some may not qualify. The Program is currently unavailable in Canada and U.S. Territories or possessions.

1 In Texas, the Auto Program is underwritten by GEICO Texas County Mutual Insurance Company through Hartford Fire General Agency. Hartford Fire Insurance Company and its affiliates are not financially responsible for insurance products underwritten and issued by GEICO Texas County Mutual Insurance Company. The Home Program is underwritten by Trumbull Insurance Company. Effective 10/16/21, the Auto Program is underwritten by Trumbull Insurance Company.

* Customer reviews are collected and tabulated by The Hartford and not representative of all customers.