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. He has also been featured on sites like UpJourney.

Full Bio →

Written by

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, including home, auto, umbrella, and dwelling fire insurance. He’s also been featured on sites like Reviews.com and Safeco. He reviews content, ensuring that exis...

Full Bio →

Reviewed by Daniel Walker
Licensed Auto Insurance Agent

UPDATED: Apr 22, 2020

Advertiser Disclosure

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...

  • There are a few situations where having instant car insurance coverage is beneficial
  • Know your personal needs as well as your state requirements before purchasing a policy
  • Remember to ask for any discounts in an effort to save money on your insurance rates

Signing up for automobile insurance can be a huge hassle. In today’s busy world, who has time to spend on struggling to find auto insurance quotes?

And even more importantly, what will happen if your vehicle is involved in an accident while waiting for your insurance cover to be activated?

Click here to use our FREE comparison tool and find insurance quotes today!

Benefits of Instant Auto Insurance

As well as simply allowing for peace of mind and convenience, there are a number of situations when instant auto insurance can be incredibly useful.

Following are some examples of situations where instant auto insurance can be used:

  • Temporary use of an additional car – You may need to use an additional car for a period of time, for example, while your car is being repaired or if you are hiring a car in a different location that does not come pre-insured. In this situation, you would want your car to be immediately covered
  • Immediate cover for a new car – When you are purchasing a new car or van, the last thing you want to do is have to wait for weeks for insurance cover to come through before you can legally drive your car. Instant auto insurance allows you to drive your new car legally the moment you have bought it

Free Auto Insurance Comparison

Enter your ZIP code below to view companies that have cheap auto insurance rates.

 Secured with SHA-256 Encryption

What You Should Know Before Purchasing Auto Insurance

Before purchasing any form of vehicle insurance, there are a number of things of which you should be aware.

Keeping the following pieces of basic insurance information in mind will ensure that you receive the most appropriate and cost-effective auto insurance for your needs:

  • Consider pay as you drive auto insurance policies. If you do not drive your car regularly or use your car mainly for short distances, then a pay-per-mile insurance policy may be the most cost-effective option for you.
  • Your credit rating matters. Many insurance companies will check your credit history, and if you have a bad credit record, it is likely that you will have to pay a far higher premium on your auto insurance. Make sure that you are aware of your insurance provider’s policy regarding credit scores.
  • The car that you drive determines your premium. Insurance companies also take safety ratings of the car, the size of the car and the circumstances in which you are driving your car into account when determining your insurance premium.

Free Auto Insurance Comparison

Enter your ZIP code below to view companies that have cheap auto insurance rates.

 Secured with SHA-256 Encryption

Types of Auto Coverage

Before purchasing auto insurance, you should be aware of the various forms of insurance coverage that may be included in your policy.

Before agreeing to a policy, make sure that it includes the most important forms of cover for your personal needs.

Also, check the laws of your state – many states in the US require a certain level of coverage, while other forms of cover are optional.

Types of auto coverage include:

  • Collision – pays for any damages caused by a collision with a stationary object or another vehicle
  • Liability – covers any injuries or property damages to another party caused by yourself
  • Medical – covers medical expenses of any automobile accident, regardless of whose fault the accident was
  • Uninsured Motorist – pays for any damages to your car caused by another motorist who is uninsured
  • Comprehensive – pays for damages or losses to a vehicle for causes other than accidents, like fire, floods, hail or theft

How to Determine Your Auto Insurance Needs

With all the options of auto insurance available, it may be difficult to decide which policy is best for you.

The following tips will help you to understand what insurance cover you need:

  • 47 of the 50 states in the US require compulsory liability auto insurance. Allow for more cover than simply the state minimum, so you are covered in every situation
  • Once you have met the minimum insurance requirements set out by state laws, you should decide how much more money you are prepared to spend on auto insurance
  • Some cover included in auto insurance overlaps with cover that you may already have from other insurance policies, such as medical insurance

The best way to make sure that you are getting the best possible deal for your auto insurance is to shop around and get quotes from as many different insurance companies as possible.

The quickest and most effective way to get quotes is to compare auto insurance quotes online. Many insurance companies offer online quotes directly off their websites.

However, an even quicker way to get auto insurance quotes is to make use of a service such as the one provided on this site, where you can receive quotes from a number of different insurance companies at one location!

Enter your zip code to find FREE insurance quotes today!

References:

  1. http://www.autotrader.com/car-shopping/buying-a-car-how-do-you-add-insurance-if-you-buy-over-the-weekend-225720
  2. http://www.consumerreports.org/cro/car-insurance/credit-scores-affect-auto-insurance-rates/index.htm
  3. http://www.naic.org/state_web_map.htm
  4. https://www.allstate.com/tools-and-resources/car-insurance/what-is-comprehensive-auto-insurance.aspx
  5. http://guides.wsj.com/personal-finance/insurance/how-much-car-insurance-do-you-need/