Here are a few things to keep in mind when shopping for car insurance online.

Inquire about discounts (such as multi-car, airbags, anti-theft device, etc.) and/or surcharges the company applies.Ê All companies will not offer the same type of plans, nor have the same underwriting rules (eligibility/acceptability guidelines). Therefore, it is critical to ask for this information.

* Make sure you know the length of the policy term. This can be one month, six months (semi-annual) or one year (annual), depending on the insurance company.

* Many companies have their own payment (installment) plans which allow you to pay the premium over a period of time for a service fee. If you decide to buy a policy on an installment plan, find out the applicable finance or service charges. If you use a premium finance company to pay for your insurance, the monthly payments may be easier, but the total of payments will be larger. Moreover, if the policy is cancelled, the insurance company must remit all return premiums to the finance company, who will apply them to your account.

* Check to see if you are responsible for paying any up front fees.Ê Sometimes insurance companies charge policy issuance fees. Ê Once the policy is issued, this fee is generally fully earned.Ê If the policy is canceled later, the fee will not be returned.

* Ask about higher deductibles. By requesting higher deductibles on comprehensive and collision coverage, you can lower your costs. Ê However, remember that the deductible you choose is what you are responsible for paying up front in the event you file a claim against your automobile insurance policy.

When looking for car insurance online, try to visit as many web sites as possible. Keep notes so you can compare many different programs at a glance.