How Buy and Print Auto Insurance Simplifies Getting Proof of Insurance

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Here's what you need to know...
  • It’s mandatory to carry proof of auto insurance when you drive
  • Printing your proof of insurance is easier than ever online
  • Online insurance websites allow for comparison shopping

Proof of insurance is a very important document. As an increasing number of consumers are comparing and buying automobile insurance online, their insurance companies are allowing them to print their proof of insurance off the website.

Online buying and printing of automobile insurance proof documents make the entire otherwise tedious process quick, simple, and convenient.

According to comScore, their 2011 Online Auto Insurance Report found sustained purchasing activity in the online insurance industry, with over 2.9 million auto insurance policies being purchased via the Internet.

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Reasons for Buying Car Insurance Online

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As an increasing number of people use the Internet for making daily purchases, it is easy to see why automobile insurance companies are also seeing their online business grow on a regular basis.

According to a J.D. Power and Associates’ study titled 2012 Insurance Shopping Study, 34 percent of automobile insurance shoppers prefer to shop for insurance online.

These numbers are projected to increase. Some of the reasons for this growing trend are as follows:

  • Convenience – Perhaps the largest incentive is the ease of sitting in your armchair, in your pajamas, looking for the best auto insurance policy available. Being able to access all information means ease and comfort for potential automobile insurance buyers
  • No agents – This could be one of the few times where consumers are not looking for a human touch or voice! Customers can browse without any pressure to buy or commit to quotes sent out by the largely anonymous insurance website
  • Choice – Online insurance websites allow for easy comparison-shopping. Not only will they provide you with a number of quotes to match your needs and budget, they also have different aids such as calculators that will help you determine your premium and deductibles

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Your Proof of Insurance: The Details that Make the Card

As the name indicates, proof of insurance is just that. It is a document, a card sent by your automobile insurance company that proves that you have purchased the required insurance for your vehicle.

It is important to have your proof of insurance with you at all times.

Also known as your insurance binder or an insurance identification card, this is the needed piece of paper that will be asked for, when and if you file an insurance claim.

The proof of insurance contains the following information:

  • The name and address of the insured person
  • The kind of automobile you are driving, its model, and year of manufacture
  • Renewal dates on your policy
  • The insurance company name, customer service number, and address
  • The insurance policy number
  • Purpose of proof of insurance

This piece of paper is immensely important since it is evidence that you have purchased liability coverage for your vehicle. According to the Insurance Information Institute (III), auto insurance is mandatory in all but three states in the United States.

You can be asked to produce your proof of insurance under the following circumstances:

When you renew your license plate, the Department of Motor Vehicles will require your proof of insurance. This is to make sure that you have been driving your vehicle with valid insurance.

If you are pulled over by a police officer, you are required to show your license, registration, and insurance identification card. If you are not carrying either of the three, you are likely to get a fine, a ticket or more.

If you are in an accident, the other party involved in the accident will ask to see your insurance card as will the responding police officer.

When you make a claim to your insurance company, they will ask for proof of insurance to make sure that they have all the information needed, and that you are eligible for whatever settlement you are requesting from them.

If you lose your proof of insurance, be sure to contact your insurance company immediately. They can send you a new copy via email or fax. Nowadays, an increasing number of insurance companies that have

Consequences of Not Having Proof of Insurance

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It is illegal to drive without proof of insurance since without the document it will be assumed that you have not purchased auto insurance, which is mandatory in most states. The penalties vary from state to state but can be very severe.

If you are pulled over by a police officer and are unable to provide proof of insurance, you are likely to get a ticket, a fine and if you have existing tickets, you could even get a license and registration suspension.

Some states allow you a certain grace period to get your proof of insurance. If you produce it within the stipulated time limit, they are likely to suspend the ticket and/or fine.

Besides administrative measures, you could also face criminal prosecution and get jail time. This is a highly likely if you cause an accident while driving without proof of insurance.

Make sure you have good insurance coverage and keep your proof of insurance available. The West Virginia Department of Transportation has the best advice: keep it in the glove box of your car!

Keeping Your Proof of Insurance Current

Using buy and print auto insurance companies allows you to keep your car insurance current very easily. It is important to keep your insurance coverage in place because its lapse can result in major hassles and financial burdens.

Paying your premiums annually or bi-annually. This way you don’t have to worry about making monthly payments. Additionally, your insurance company might offer you a discount for making a lump sum payment.

If you are choosing to make monthly payments, then set up automatic payments using your credit or debit cards or through your bank account. That way you won’t miss making any payment, by mistake.

Getting Your Proof of Insurance

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Depending on how you buy your automobile insurance, you can get your proof of insurance by mail along with all other related policy information. You can also get the document from your brick and mortar insurance agency via fax or email.

In an increasing number of transactions occurring online, you can also print it from your insurance company website. This is the easiest, fastest, and most convenient way of getting your proof of insurance.

However, be aware that the Internet spawns an incredible number of fraudulent insurance companies that could promise you the moon and deliver little.

If you are looking for insurance companies that will allow you to buy your auto insurance online and print proof of purchase instantly, enter your zip code in the FREE search tool now!

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