How to Buy Insurance Online without a Credit Card

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Every driver needs insurance, but not every driver has a credit card or bank account. How can you insure yourself online like everyone else?

The insurance industry increasingly conducts business online and over the phone, leaving some individuals to feel limited in their policy shopping options. Without a credit card, you might think you have to visit a brick-and-mortar agency in order to purchase a policy. The truth is, you actually have more options that allow you to customize and pay…all from the comfort of your computer monitor or smartphone.

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How to buy insurance online without a credit card

  • Purchase a prepaid credit or gift card. Many stores, like supermarkets or pharmacies, have a wide selection of gift cards. And while a Gap gift card wouldn’t help you get car insurance, prepaid Visas or MasterCards can be used to purchase policies online or over the phone. If you don’t have a checking account or you only have an ATM card, simply pay with cash for a prepaid gift card and you’ll be on your way.
  • Sign up for a PayPal account. Not every insurance provider offers this option; however, two major insurers that do accept payments via PayPal include Progressive and Esurance. PayPal is an online service that allows you to pay, send money, and accept payments with your checking account. Simply set up your PayPal account online with your bank account information. It’s easier and safer for online checkout than using debit or credit card information. If you don’t have a bank account or would rather not use it to pay your bills, PayPal’s MoneyPak program allows you to pay cash for a MoneyPak card that you can then transfer to your PayPal account. There’s a $5 loading fee for the MoneyPak card, and they can’t be reloaded.
  • Send a money order. Many insurance companies accept payments through money orders such as MoneyGram and Western Union. Money orders have the convenience of being sent online or in person. Simply have your account number, the insurance company’s name, your debit card (if paying online) or cash (if paying in person) at the ready. Their processing fees are affordable and reliable. Your insurance company will receive confirmation of their payment in minutes, so you’ll never have to worry about late fees again.

Once you’ve found a way to make auto insurance payments online, you should look into comprehensive quote comparison sites to guarantee you’re getting the best deal for your hard-earned money.

Insurify allows you to customize, build, compare, and purchase a policy online in minutes. Luckily, online payment methods have become almost as expansive as the shopping opportunities themselves. Now you can take advantage of the convenient and comprehensive insurance options available online!

Micaela Allen is a Boston-based writer and editor. Over the years, she has written over 100 original pieces for Insurify, focusing on trends in the insurance industry and financial advice for young and uninsured drivers. Micaela is an alumna of Northeastern University, where she majored in English.