Everyone needs car insurance. It protects you, your family, your passengers, those on the roads when you are, property around you, and more. Without insurance, you may find yourself owing more money than what you would ever dream of, if you were in a wreck. In the past, you would need to go to a local agent in order to get insurance coverage. If there weren’t any agents around in your area, you were not able to get coverage from a particular company. Today, a lot has changed and you are now able to get insurance at a local agency but also online. There are many different insurance companies to go with today but how do you get the best rates with online car insurance? In order to get the best rates with online car insurance you will need to get a piece of paper and a pencil. Go through a simple search online and get the names of the first ten that show up in your search. The top ten will be the most searched companies that other consumers are interested in so you know that there is something about them. Write the names of the top ten down on your paper and visit each website individually. While on their website, look for things that are important to you such as customer service. Can you speak to a live agent? Can you do a web chat? All of these are important. If you can’t communicate with anyone while you are searching for a policy, you may not be able to chat with them at all should you become involved in an accident. Next, you will need to find out what they have to offer. Most insurance companies will have a well laid out site that provides information where you can actually find it. If you can’t find the information that you need now, what’s to say that you will be able to find it when you have a question about a claim? It’s important that they put the information out there where you can see it and it is clearly marked where you can read it and understand it. Now it’s time to speak to a live voice. Call an agent and see what they can do to convince you to choose their insurance company over the other nine companies that you wrote down on your list. They need to bid for your insurance company. Let them know that you are comparing their rates, customer service, and reviews with other companies as well. Letting them know up front will also be a deciding factor. They may not be interested in competing for your business but may be they will be. There are many determining factors to consider for giving you a fair quote. They need to know how many vehicles you have, make, model, and vehicle identification number of each one, names of drivers on your policy, and if you have had any accidents or claims submitted in a certain amount of time. The price that they give you will take all of this into consideration before giving you a final decision. Once you have given them all the information, you will need to give them some time to come up with a reasonable total for you to pay them if you decide to go with them. You can lessen the amount you pay by only insurance what you have to insure, install anti-theft devices on your vehicles, pack a first aid kit in your car, avoid any driving tickets, or anything else that may cause your premium to go up higher than what it would originally be. While you are waiting to hear back from them, ask around and search online reviews to see what others are saying about them. Make sure that they have a good record and that you are satisfied with that company before you are happy with them before you sign up with them for an insurance policy. Some companies require a full year of coverage to be paid the first year while others will allow you to make monthly or quarterly payments on the policies.