How to Instantly Buy Auto Insurance Online

Need to instantly buy auto insurance online? Compare cheap instant online car insurance quotes to save $100 or more. Buy auto insurance coverage immediately to save.

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Mathew B. Sims is Editor-in-Chief and has authored, edited, and contributed to several books. He has been working in the insurance industry ensuring content is accurate for consumers who are searching for the best policies and rates...

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Dan Walker graduated with a BS in Administrative Management in 2005 and has been working in his family’s insurance agency, FCI Agency, for 15 years (BBB A+). He is licensed as an agent to write property and casualty insurance...

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Reviewed byDaniel Walker
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UPDATED: May 16, 2020

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It’s all about you. We want to help you make the right coverage choices.

Advertiser Disclosure: We strive to help you make confident insurance decisions. Comparison shopping should be easy. We partner with top insurance providers. This doesn't influence our content. Our opinions are our own.

Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.

Things to Remember...

  •  If you get an inexpensive policy right now it could cost you in financial benefits and peace of mind down the road
  • Personal Injury Protection (PIP) provides added medical benefits, pay if you cannot go to work, therapies and other insurer-defined policy details
  • Just because you have had the same insurance company for 10 years does not guarantee that you are being rewarded for your loyalty
  • The credit rating agencies make it easy to find fiscal reliability on publicly traded companies. Look for any A-ratings

An old saying goes, “Do you want it right, on time, or cheap? Pick two of the three.” Apply that wisdom to buying auto insurance instantly online and you are only slightly on the right track.

To break it down for you, if you get an inexpensive policy right now it could cost you in financial benefits and peace of mind down the road.

If you go with the cheapest policy, you might be cheating yourself out of necessary liability and property damage coverage.

The more thorough answer is that it is wise to compare different auto insurer quotes and policies to find the best plan for you.

Most importantly, make sure you take your time to get the policy details right and compare costs to get the most valuable plan. Use our FREE quote tool at the top of this page.

How to Compare Policies

Finding quotes online is very easy and nearly instantaneous in most cases.

It is more about what you do with quotes and how you analyze the lines of coverage in proposed policies that makes the difference.

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Learn about Car Insurance

When you know what the lines of coverage are then you can decide what you need. Basically, there are two sides of the same fence.

One side includes the damage and injuries you cause to others and the other side is what damage and injuries others can cause you and your loved ones.

Beyond that, there are two more main distinctions. Bodily injury liability and property damage are the other basic elements.

Injury liability covers you if you cause harm to other people. Property damage might cover against damages you cause if your car skid’s off the road in the next ice storm right into your neighbor’s fence.

Some states do not play around with defining who caused the injuries or property damage. Personal Injury Protection (PIP), as it is called, provides added medical benefits, pay if you cannot go to work, therapies and other insurer-defined policy details.

Some states require PIP, others allow residents to decide what they want.

Typically you will see three dollar figures listed next to every line of coverage. For instance, bodily injury liability might read $100,000 / $300,000 / $100,000.

It means that there is up to $100,000 in benefits per injured person at a total of $300,000 maximum per accident. The third number indicates the maximum property damage coverage on the policy.

Is your deductible too low?

Many consumers increase their deductibles or the amount they pay out on every claim, to afford their premiums. Deductibles flow inversely from the cost for every line of coverage.

Increase the deductible for property damage to $2500 from $500 and re-run a policy quote and your rate falls.

The only catch is that regardless of the deductible you choose, you have to come up with every time you need to use the insurance. It is not cumulative the way a health insurance plan runs.

Unless you want to keep handing over $2,500 every time you run over the fence next door in an unending winter, consider the affordability of deductibles.

Did you buy enough coverage?

The example above may not be the right amount of coverage for you. You have to think about your financial health every year when you buy coverage.

If you made $10,000 a year for 30 years and you just won the lottery and now make $1 million per year, time to increase liability insurance coverage.

Also consider umbrella insurance policies to support your assets against lawsuits.

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Preparing for Policy Shopping

Start by optimizing your savings by making sure you are getting the best deal for your money. While it is a competitive market for the car insurers, they do not always follow logic and reasoning.

Just because you have had the same insurance company for 10 years does not guarantee that you are being rewarded for your loyalty.

Here are some tips for how you can look for quotes.

  • Shop around Yearly
  • Check your credit report
  • Fix mistakes in your credit report three months before you shop for car insurance
  • Check creditworthiness of the auto insurers you are comparing

Yes, many carriers reward longevity along with years-long periods of time when their customers have no accidents. It is not always that case.

Shop around yearly and you might just save yourself a good amount of money to buy comparable policy coverage elsewhere.

When you know that your coverage is coming up for renewal in a few months, that is the time to check your credit report. It will include how much you are borrowing compared against your credit limits and timeliness of recurring payments.

If you are like many former homeowners, you need to make sure that any short sales or foreclosures are recorded accurately. The insurers translate a lower credit score into a risk because they surmise you may not pay them in the future.

If your closing paperwork says the bank was going to state “settled for less than owed” and has you listed as open and delinquent, it makes a difference.

Just when you are lamenting on the unfairness of the situation, here is a bright lining.

You get to turn the tables on the auto insurance companies. Check out their creditworthiness, or their ability to pay your claims in a timely manner.

The credit rating agencies make it easy to find fiscal reliability on publicly traded companies. Look for any A-ratings.

Now You Can Compare Policies

Make sure the coverage is the amount you need. Too low and you can get sued if you cause an accident

. Or, you may find that your insurance only pays you enough to buy a car 30 years ago because you did not increase your coverage.

Here are some tips to comparing policies:

  • Get Your Quotes
  • Highlight the Credit Worthy Companies and Ignore the Others
  • Compare apples to apples or lines of coverage are at equal amounts across quotes

Now you have probably narrowed down the options to a couple. Now you can go ahead and look at where they fix their cars.

Do they mandate, as part of your policy, where you can get your car repaired? If it is an insurer body shop, make sure you read up on how happy customers were with that situation.

If you want to maximize savings as your insurer if they give you a discount for buying more coverage from them. Adding on renter’s insurance might save you a good chunk of change.

In short, be sure you compare policies before signing up for coverage.

Buy the right amounts of insurance and choose deductibles you could pay more than once over. Only agree to policies where you are assured quality repairs, efficient claims handling and a high degree of customer service.

Always compare quotes before deciding on a company. Use our FREE auto insurance comparison tool at the bottom of this page! Simply enter your ZIP code to get started.

Instant Auto Insurance Coverage Explained

Need instant auto insurance coverage? You can save 10% now by comparing rates from different companies.

  • 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!

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Quotes in Seconds

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

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.

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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

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

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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 Instant 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!

Instant Auto Insurance Quotes Online

Need instant auto insurance quotes? You can save now by comparing multiple quotes online now. The national average cost of auto insurance is $79.58/mo.

  • Online auto insurance quotes have helped consumers get the best prices
  • Instant auto insurance quotes help you see how much of your premium goes towards each type of coverage
  • The ability to get instant auto insurance quotes helps consumers save money

Of course, every single agent would be very eager to sell plans from the company that he represented. That meant that this process could be fairly stressful and time-consuming.

Even drivers with the fortitude to visit all of those agents to gather competitive quotes still probably did not understand their insurance policies very well.

They knew that they paid a certain price to provide coverage for their cars, but they really did not know how that coverage worked.

Enter your zip code into the FREE search tool above to start comparing quotes now!

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Instant Auto Insurance Quotes Offer Transparency And Competition

These are some ways that instant auto insurance quotes can benefit you:

  • Compare prices
  • Compare coverage options
  • Find discounts

Today’s online auto insurance quotes have helped consumers get the best prices and made car insurance more transparent for average consumers.

Consumers can get online and actually see how much of their premium goes toward different types of coverage.

For example, you might be trying to decide if you should just purchase liability insurance, or if you should also add in comprehensive and collision insurance.

These instant auto insurance quotes help you see how much of your premium goes towards each type of coverage.

You can also experiment by raising or lowering your deductible or your policy limits.

It is fairly simple to request quick quotes from the best auto insurance companies to figure out which one has discounts that benefit you and your family.

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Should Vehicle Owners Only Compare Prices?

Because it is so quick and easy to compare competitive quotes, insurers have been forced to offer competitive prices in order to attract new customers.

Of course, customers should not just shop for coverage by price. It is important to find an auto insurance company that has a good record of paying claims quickly and fairly too.

It never pays to save a few bucks on premiums only to find that claims handling and customer service are lacking.

However, it is much easier to figure out which insurer will offer you the best deal.

This ability to get instant auto insurance quotes helps consumers save money, and it also probably keeps insurers very competitive with each other.

Be sure to compare rates using the FREE search tool below. Just enter your zip code below to get started now!

Where can I get an instant auto insurance company quote?

Need instant auto insurance quotes? Save now by comparing multiple rates from companies below. The national average cost of auto insurance is $79.58/mo.

  • Do your research and know what you need before looking for auto insurance quotes
  • Besides the mandatory liability coverage, we suggest considering supplemental options so that you are fully covered
  • Comparison websites, company websites, and auto insurance agents are the three best ways to get instant auto insurance quotes

If you are just beginning to look for auto insurance, it can be a daunting task. With so many different kinds of car insurance, it can be confusing to know what you need for coverage and how much to buy.

Once you know what you want to buy, then you can get instant quotes and make your decision rather quickly.

Our FREE car insurance comparison tool can give you quotes now when you enter your ZIP code above.

Understanding Auto Insurance Coverage

Buying and comparing auto insurance is not a simple “one size fits all” process. The right kind of insurance you need depends on many things, including:

  • What kind of car you drive
  • How much you drive your car
  • What you can afford

Ultimately, car insurance provides you with financial protection if you get involved in an auto accident, paying for related repairs and medical expenses and saving you from potential lawsuits that could put your personal assets in jeopardy.

Let’s talk about the most basic auto insurance liability and three other types of coverage we would highly recommend.

Liability Auto Insurance

All but three states require you to carry a minimum amount of liability car insurance coverage if you want to drive legally and register your vehicle. If you drive an older car, liability insurance may be the only type of car insurance you want or need to purchase.

Liability is the least expensive form of auto insurance for most people. However, the minimum mandatory amount of liability insurance provides very little protection for you if you cause an accident.

Liability car insurance pays for repairs to damage from accidents that you cause and also for medical expenses related to accidents you cause.

However, it does not pay for damages to your car or for medical expenses that you or your passengers receive if you caused the accident.

Since repairs for property damage average more than $60,000 per incident and medical expenses can be in amounts greater than $100,000 per incident, it is important to purchase additional liability insurance if you can afford it.

Personal Injury Protection

Personal injury protection is another kind of auto insurance that may be mandatory coverage since it is required in 14 states.

Personal injury protection, also known as PIP or “no-fault insurance,” pays for medical expenses related to an accident, regardless of who is at fault.

In addition to hospital bills, it can be used for rehabilitation costs, lost wages, and legal expenses related to an accident.

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Comprehensive Insurance

Comprehensive auto insurance is voluntary unless your car is leased or financed with an auto loan, in which case it is required by the lender.

Comprehensive insurance provides coverage for repairs not related to moving accidents, including damage that is the result of:

  • Hail
  • Flying rocks
  • Storms
  • Fire

It also provides coverage if your car is stolen or vandalized.

Collision Insurance

Collision car insurance provides coverage for your vehicle if it is involved in an accident.

No matter who is driving the car or if you are actually in the car, damage will be covered.

For example, if your car is parked on the street and you return to find it has been involved in a hit and run accident, repairs will probably be covered by collision insurance.

Getting Instant Auto Insurance Quotes

There are numerous places you can go to get instant quotes for car insurance. One of the best places is the insurance comparison websites.

Comparison websites allow you to enter your personal information one time, and you receive multiple insurance quotes. You may receive some of these quotes immediately on the website or, alternatively, via email or a telephone call from an agent or insurance company representative.

Insurance comparison websites contract with insurance agents and companies to provide rate quotes to potential customers.

Another source for instant car insurance quotes is auto insurance company websites. Almost all insurance companies have corporate websites that provide you with detailed information about their company and the various products they offer.

In addition to receiving a quote for auto insurance, you can also request quotes for homeowners, renters, and life insurance if they offer these forms of insurance.

You may also discover that you can get lower rates if you purchase more than one type of insurance.

You can also go to an independent insurance broker to get instant quotes. In most cases, an independent agent has a website that will allow you to request a quote for auto insurance. You can usually call them on the telephone or stop by their office in person to talk to them about your insurance needs.

Often, within minutes, they can provide you with premium rate quotes from several different companies for comparison.

Keep in mind that even if you get an instant quote for auto insurance, the premium rate may change when the insurance company receives and processes your application. Unreported accidents or tickets on your driving record can negatively affect your insurance premiums.

Additionally, car insurance companies now use credit scores as a determining factor when setting insurance rates, so if your credit is poor, your rates may increase from the instant quote rate.

When buying car insurance, it is important to understand what you are buying and what kind of protection you need. Also, compare premium rate quotes from at least three companies before making a final decision and review your rates each time your policy comes up for renewal.

Compare rates in our FREE online comparison tool when you enter your ZIP code below!

Where can I get instant cheap auto insurance quotes?

Need instant cheap auto insurance quotes? You can save now by comparing multiple quotes below. The national average cost of auto insurance is $79.58/mo.

  • Car insurance can be expensive, as costs for an average drive range from $600-1200 per year
  • Prices for auto insurance are generally much lower online due to increased competition
  • Make sure to check out any discounts that you may be eligible for
  • Many drivers can reduce their policy costs by 20 percent or more in only a few minutes by comparing quotes online, and by checking your rates every few months, you can make sure that you never overpay for your insurance coverage

Car insurance can be expensive, as costs for an average drive range from $600-1200 per year. Still, it’s illegal and dangerous to drive without an auto insurance policy.

According to the U.S. Department of Transportation and the National Highway Traffic Safety Administration, over 10.5 million Americans were involved in car accidents in 2007, and although cars are gradually becoming safer, the financial costs of an accident can be enormous.

Fortunately, it’s often possible to get much cheaper insurance policy by buying online, as it’s easier to compare policies, explore coverage options and choose a reliable insurance plan that will keep you protected while you’re on the road.

Enter your ZIP code into our FREE comparison tool, and we will find you the best car insurance companies!

Why Shopping Online For Car Insurance Makes Sense

When you buy car insurance online, you have access to dozens of resources that aren’t available in physical car insurance offices. Quotes are generated completely automatically, so it’s easy to find a quote for any type of vehicle.

It’s also easy to find definitions for car insurance terms, which in turn makes it easier to find the right type of coverage. Find the best car insurance coverage by entering your ZIP code above!

Other benefits to buying car insurance online include:

  • It’s easier to find quotes from car insurance companies that might not have physical offices in your town
  • Prices for auto insurance are generally much lower online due to increased competition
  • Drivers can find car insurance, buy a policy and get proof of insurance much faster

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Finding Reliable Auto Insurance Quotes

More and more drivers are looking for reliable auto insurance quotes on the Internet thanks to the lower prices and a greater array of coverage options that car insurance providers offer online.

Insurance companies make it easy to get accurate quotes by entering basic information into web forms including a driver’s age, vehicle and driving history.

This information is compared to actuarial statistics to assess the approximate possibility of an insurance claim. Drivers who have strong records and who choose safe vehicles will get lower rates while riskier drivers see higher premiums.

An online auto insurance quote generator is an even better way to find accurate quotes, as these generators use a single set of information to find several auto insurance quotes from major providers.

This makes finding quotes easy and fast, and as we work with car insurance companies, all quotes are accurate. Drivers can quickly compare five or more auto insurance quotes to figure out which provider offers the best coverage and reasonable premiums.

Keeping Auto Insurance Costs Low

By comparing insurance quotes, drivers can see how coverage options differ from one insurance provider to the next. This makes it easy to find a cheaper auto insurance option or better coverage, even if you’re a high-risk driver.

We will list approximate prices and coverage amounts of various companies almost immediately after you enter your information.

This list is sorted by price, so you’ll instantly find out which company offers the lowest premiums.

If you’re looking for a specific type or amount of coverage, you can also use the quote comparison tool to find a relevant insurance plan that matches your needs.

Other ways to keep auto insurance costs low include:

  • Asking about auto insurance discount programs. Most car insurance companies offer discounts to their policyholders, including discounts specifically designed for good students, homeowners and other low-risk groups. Asking for insurance discounts is a good way to get a cheaper policy.
  • Taking a state-sponsored driving course for an additional discount.
  • Getting insurance quotes for several different deductibles and levels of coverage. Lowering your coverage might be an acceptable way to keep your insurance costs down if you don’t drive frequently, but otherwise, it’s better to look into other options.

Ultimately, comparing insurance quotes online is the fastest way to get lower car insurance premiums. Shopping online will allow you to get instant quotes from all of the major car insurance companies and accurately compare them to decide on an appropriate policy.

Many drivers can reduce their policy costs by 20 percent or more in only a few minutes by comparing quotes online, and by checking your rates every few months, you can make sure that you never overpay for your insurance coverage.

Compare auto insurance online and save! Just enter your ZIP code below in our free insurance comparison tool and begin to save!

Where can I get instant auto insurance quotes?

Need to quickly find instant accurate auto insurance quotes? The national average cost of auto insurance is $79.58/mo. You can compare multiple quotes below.

  • Use our website that compares multiple quotes in order to automatically screen out companies that cannot offer you insurance. This will save you time in your research.

Sometimes an emergency occurs and it’s necessary to buy automobile insurance quickly. Or perhaps you are about to purchase a car in a crunch. Some instances that you may find yourself in where you need immediate insurance may include:

  • Obtaining proof of current insurance for a court date
  • Being unaware of the expiration date of insurance, and need to replace it immediately
  • You just purchased a new vehicle and need to have insurance before driving it off the car lot
  • A lender requires proof of insurance

Fortunately, computers and the Internet have made acquiring auto insurance considerably easier. Websites are available that compare multiple rates from various insurers at the click of a button.

Enter your zip code into our FREE online tool to start comparing!

Electronic Proof of Insurance

Most states now allow individuals to provide proof of insurance by accessing a mobile application on their cell phone or by accessing the insurance company’s website from a portable tablet.

These laws, for the most part, have been enacted in the past year or two by states to facilitate law enforcement and insurance enforcement laws.

Imagine, you are speeding just a bit and a highway patrol vehicle pulls you over. You can’t find the proof of insurance document that you know you had in the glove compartment. Panic!

However, as an individual with connections, you can access your insurance company and verify that you have insurance – and the law enforcement officer will accept it as proof of insurance.

To be certain, some officers may require you to email an electronic proof of insurance to them for his or her files. Then, you can be on your way.

How to Get Instant Auto Insurance Online

Use your computer to access “automobile insurance quotes” in the search engine you prefer. A number of companies will appear on your screen.

Being a perceptive consumer, you realize that comparison-shopping is necessary even though you’re in a hurry.

Choose either separate insurance companies or access a website that will allow you to obtain quotes to compare from several different automobile insurance companies.

Ordinarily, you will enter the quote website by providing your zip code. This allows the software to locate your state and area to give accurate quotations.

Sometimes, if the insurance company does not offer insurance in your state, this fact will be stated and you’ll have to search for another insurance company.

This is a situation where one of the websites that allow several different quotes can be useful. These websites have an initial screening process, to sort out and only show you the companies that are able to provide insurance to you.

Collect the Necessary Information

In order to obtain a relatively accurate automobile insurance quote that reflects the actual premium you’ll be paying, you need to collect information as follows:

  • Full names and drivers license numbers for all drivers as well as their dates of birth
  • Exact addresses and ownership status of both your home and auto
  • An estimate of your credit rating
  • Details of driving records for each driver, including violations and accidents
  • Amounts paid for claims you’ve had
  • Make, model, and VIN number for all automobiles you have
  • Details about who drives each vehicle usually

When accessing the websites, you will be requested to enter the data as prompted. For an accurate quotation, you will need to enter your social security number and exact drivers license numbers.

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Limits of Liability

Determine the limits of liability that your state requires of you for adequate insurance coverage. Each state has its own requirements for legal limits of liability, so you will need to meet or exceed those requirements.

However, the state minimum is usually a very low number and does not guarantee to protect you and your family completely. Make sure you get the insurance you need to keep your family and property protected.

If you have a loan on your vehicle, the lender will require you to carry physical damage in the form of comprehensive and collision with a deductible. This will protect your interest and their interest in your car.

Suggested Limits of Liability

Even though each state has its own requirements, we will describe each type of auto insurance coverage and our suggested range for coverage:

  • Bodily Injury Liability – this insurance protects you against legal liability for bodily injury to others ($100,000 per person and $300,000 per accident).
  • Property Damage Liability – this insurance protects you against legal liability for property damage to property owned by others ($50,000 per accident).
  • Medical Payments – This pays for incidental medical coverage such as emergency services or ambulance costs for you if you are involved in an accident ($10,000 per person).
  • Uninsured Motorists Coverage – this pays for bodily injury or property damage to you if you are involved in an accident with someone who does not have insurance ($100,000 per person / $300,000 per accident bodily injury).
  • Comprehensive Coverage — this type of coverage is not required by law, but is necessary if you have a loan. This provides damage coverage to your own car like theft, vandalism, animal damage, or weather damage ($500 per accident).
  • Collision coverage — this coverage is also not required by law, but necessary to cover your own car. It covers collision coverage for any reason ($500 per accident).

Insurance companies will offer other coverage as options such as towing and labor, rental reimbursement, accident forgiveness, and disappearing deductibles.

Be aware of this when you’re examining quotes and ask about what types of insurance each company offers. Make sure to do your research in advance to ensure you get the best deal that is right for you.

To Purchase Auto Insurance Online

After obtaining a quote and determining both the premium and the insurance company from which you want to purchase, continue online to purchase the quoted coverage desired.

A down payment will be required as well as an electronic signature. You will be able to enter payment information online through a secured website.

Once payment has been verified, records checked, and information verified online, a policy may be issued electronically. Proof of insurance will be e-mailed to your e-mail account so you can print it out.

This process can take a few hours if it is initiated during the working day. If you’re trying to purchase it at night, you’ll probably have to wait a bit longer so an individual can verify the requests.

Hard-copy verification is usually mailed to you via the U.S. Post Office within a reasonable amount of time to make certain that your address is correct and that you, indeed, intended to purchase this insurance.

Although this process is not completely instant, it is as close to instant as is available. Coverage should be available shortly.

Use our FREE tool below to start comparing rates now!

References:

  1. http://www.investopedia.com/terms/c/creditrating.asp
  2. http://guides.wsj.com/personal-finance/insurance/how-much-car-insurance-do-you-need/
  3. http://www.propertycasualty360.com/2015/11/19/20-auto-insurance-companies-ranked-from-worst-to-b?&slreturn=1492913666
  4. http://www.goodfinancialcents.com/best-auto-insurance-companies/

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