Instant Auto Insurance Coverage Explained

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Things to Remember...
  • Insurance companies are now working with comparison sites to provide quotes in seconds
  • When you log into a site for a quote, be prepared to share some basic information about your life and driving habits
  • Remember that the company will eventually confirm all information, which if the information is false, will result in higher premiums or loss of coverage
  • Your quote price will depend on the amount you choose depends on your needs, your budget, and your driving record

When you need auto insurance fast, you don’t have time to wait for representative to call you back with quotes.

In the past, your only option was to call individual companies and ask for immediate coverage, but the Internet has made it faster and easier than ever before to get the coverage you need.

Here’s what you should know about instant auto coverage, how to get it and how to find the best prices on it.

Enter your ZIP code into the FREE quote tool above to start comparing rates instantly!

Quotes in Seconds

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Insurance companies are now working with comparison sites to provide quotes in seconds. You can enter your information once, and you’ll soon be rewarded with information from several different companies.

The quote that you received is based on the information you submit and formulas that are put in place by the insurance companies, so it’s vital that you provide accurate information.

Otherwise, your quote won’t be entirely correct when the final paperwork is approved.

Required Information

When you log into a site for a quote, you’re prepared to share some basic information about your life and driving habits. However, the quotes are based on more details than this.

Be prepared to share the following information in order to receive your instant quote:

  • Social Security number and driver’s license number
  • Address and birth date
  • Miles driven per year
  • Information on your car’s make, model, year and safety features
  • Details on insurance claims filed with other companies
  • Details on tickets, moving violations, and accidents

Remember that the company will eventually confirm all information.

Misrepresenting information on the application will only result in higher premiums or even a loss of coverage once the company has accurate information.

If you aren’t sure what’s on your driving record, you can request a copy from your local bureau of motor vehicles for a small fee.

Consider Your Needs

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The company will also want to know what kind of coverage you want. Liability is required in most states before you can drive.

If you have a loan on the car, then the lender may require that you carry comprehensive insurance. However, other options for coverage include:

  • Car rental protection when your car is in the shop following an accident
  • Medical payments in case you don’t have health insurance
  • Uninsured/ underinsured motorist in the event that you’re struck by someone who doesn’t have enough coverage
  • GAP coverage to make up the difference between a totaled car’s value and what is owed on it
  • Glass breakage for chipped and cracked glass
  • Emergency roadside service for protection against breakdowns

When considering your liability limits, you must be realistic. Most new cars cost more $20,000, so a state minimum level of $15,000 won’t be enough to cover the damage if you hit a brand new car.

You can be held personally liable for the difference between actual damages and what your insurance will pay, so it’s wise to go for higher coverage levels.

Ideally, the liability levels should be able to shield you and safeguard your assets in the event that you’re in a serious accident.

Deductible Considerations

The insurance company is going to ask what deductible level you want. The amount you choose depends on your needs, your budget, and your driving record.

You can save money every month by choosing a higher deductible, but you’ll have to come up with the cash if you have an accident and need to file a claim.

Lowering the deductible saves you money when filing a claim, but it can put a dent in your monthly budget.

Ideally, you should choose the higher deductible amount and then put that money in a savings account so that you’ll have it on if you ever need it.

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Available Discounts

You may qualify for various discounts. Take the time to read the questions that are asked on the comparison site before finally submitting your information.

It only takes a few minutes, but it can help you save money for years to come. Possible discounts include:

  • Certain professions, including teachers, firefighters, and healthcare professionals
  • Multi-policy discounts if you also switch your homeowners, renters, or life insurance
  • Multi-car discounts for more than 2 or 3 vehicles on one insurance plan
  • Discounts for special safety features or a good driving record

Choose the Top Contenders and Research

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Once you enter the information and start receiving quotes, you can review the details and choose the right company for your needs. However, you may want to look at more than just the bottom line of the monthly price.

Narrow down the field to two or three providers, and then take a few minutes to look at their reviews. Check out the following information:

  • Customer service ratings
  • Financial stability as rated through agencies like Moody’s and A.M. Best
  • Ability to pay online

Sign, Pay, and Print

Once you’ve found the right company for your needs, it’s time to sign up for your “instant” coverage. If you’ve taken your time answering questions, then you’ve invested a few minutes in this process.

Looking up reviews can take a few more minutes, but it’s worth it to ensure that you’re choosing the right company for your needs. You’re now ready to click on the button and sign up with the company of your choice.

You can sign electronically, so there’s no need to wait for paperwork to be mailed or faxed to you.

After you sign up, you may be asked to make a payment online. The company sites are generally secured, so you can easily make the payment with a credit card.

Some companies will provide you with coverage and send you a bill, so you should be ready to make your payment within a few weeks if this happens.

With the payment information in place, the company will send you an electronic version of your insurance card. Print this out and put it in your car to show that you’re covered.

Getting an instant quote on car insurance isn’t as fast as you might think, but it’s still easier and more convenient than most other methods. It will take a few minutes to read through the information, enter the details they want, and review discount information.

Once you’ve chosen the right company, finalizing the information, making a payment, and printing out your insurance card can be done online in a short amount of time.

You can have the coverage you need without calling a single company or waiting hours or days for price quotes.

Comparing Quotes

With this level of service and the ability to comparison shop, you’ll never again have to settle for an insurance company that you’re not completely happy with.

Make sure to use the FREE comparison tool below by entering your ZIP code to get started!

FREE Auto Insurance Comparison

Compare quotes from the top auto insurance companies and save!

 Secured with SHA-256 Encryption

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