Q&A: I’M BUYING CAR INSURANCE ONLINE, WHAT KIND DO I NEED IF I’M MAKING CAR PAYMENTS AND NEED FULL COVERAGE?

Honestly, if you don’t know what you need & you buy online, you could be getting inadequate coverages. You need to buy liability (NEVER purchase the minimum, EVER), uninsured/underinsured for the same limits as your liability, medical payments (highest available) and/or PIP – some states have both, comprehensive & collision (towing & rental are optional). Make sure you list the loan company as loss payee on the policy.
You can get quotes online but before you buy, call a couple of local independent agents because they can advise you on the coverages you really should have. Go back & quote THOSE coverages online & see if you really save any money, you may be surprised & having an agent is cheaper.
A coworker of my husband just had a broken windshield. He had to call some call center out west, called back & got someone else. He was sent to a glass shop out of state. There are at least 2 glass shops in his own town that his company (a “1-800″ company) wouldn’t send him to. If he got his insurance with an agent, he could have gone to a local glass shop and saved the time, gas & aggravation & could have talked to someone in person who knows him by name.
But, it is up to you what you want to do.
Remember, you will get what you pay for.