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UPDATED: Mar 13, 2020
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One of the great aspects of using the internet is that it has significantly simplified the process of comparing, quoting, and obtaining car insurance for customers instantly. Getting cheap car insurance quotes has become easier to the regular working American. Check out our FREE car insurance quote tool by entering in your ZIP code!
Savvy online car insurance shoppers are now able to compare quotes online between all of the companies which serve their state, choose the best quote, and actually print an electronic version of their insurance policy details — as well as an insurance card. Find out what your car insurance quotes will be by using our ZIP code tool above!
There are a few catches and things to consider, however, when shopping for instant online car insurance coverage. These things will simplify the process, guarantee a successful shopping experience, and set customers up for an affordable, instant car insurance policy that meets their needs.
Be Sure to Provide Accurate Information When Signing Up
Car insurance companies are notorious for their discounts on coverage — from safe driving to full-time student status, multiple drivers and multiple vehicles to installed car alarms.
A good number of online car insurance buyers simply click “yes” on every question which sounds like it might result in a discount. This is especially easy when obtaining instant coverage online, as there is no agent to interact with and nothing to prove.
But this process would actually be a mistake. While the discounts will certainly apply to an instantly-activated policy, they come with an important catch.
If a customer ever has to file a claim with their insurance company because of an accident or other emergency, the insurance company will then seek to verify every detail of the applicant’s information — they’ll look for car alarms, examine the driver’s safety record, and verify their student status.
If any of these items should be deemed in accurate or fraudulent, a customer’s insurance coverage will be considered null and void. All of those percentage discounts won’t matter when a driver has no insurance coverage at all, and no way to repair or replace their damaged vehicle.
The key to signing up for instant car insurance online is to resist the urge to qualify for additional discounts and simply be honest. It will pay dividends on an especially bad day.
What You Need for Instant Coverage
First and foremost, be prepared to pay for at least one month of car insurance coverage up front. No car insurance company will offer instant coverage without at least a one-month payment, and most will require automatic debit for customers who sign up online.
Customers should come to the process armed with a credit or debit card, or their checking routing and account numbers.
Customers should also keep in mind their daily mileage and the primary use of their vehicle when they leave the home. Higher mileage almost directly correlates with higher premiums, while those who do very little driving will enjoy discounts based on their lower risk to the company.
Any information related to accidents and traffic tickets within the last five years should be on hand. The insurance companies will eventually research this information anyway, as they typically pull every applicant’s driving record.
Omitting information will result in a lower initial premium, but the company will eventually charge for the information they find on a customer’s safe (or unsafe) driving record.
National Brands More Likely to Offer Instant Coverage Online
Obtaining instant car insurance coverage is relatively easy with the national car insurance brands that serve most of the United States. These companies, with their large corporate backing and strong online presence, typically allow customers to turn a quote into an insurance policy with just a few clicks.
More local brands may offer instant coverage via the internet, but many will require customers to call an agent via phone in order to arrange an immediately effective car insurance policy.
This is because these companies simply don’t have the resources to maintain robust instant coverage options electronically — but it should not dissuade customers from including them in a comparison quote search.
Either way, both national and local insurance companies provide instant car insurance coverage — it’s one of their strongest tools when acquiring new customers and they’ll work with people via whatever means necessary to bring them into the fold.
How Instant Insurance Coverage Works
After customers enter all of their information, from their driving record and eligibility for discounts to their vehicle’s make and model, they will be presented with several coverage options.
These coverage options will range from the state-mandated minimum to full, comprehensive coverage and collision protection. These plans can be intricately customized, and they show how every change affects the price — almost like an in-house agent.
Once a plan is customized, customers can simply proceed with their payment information and for one, three, or even six months of coverage up-front. Paying for several months in advance is a great way to save on premiums, but most companies will require only one month paid in order to issue immediately-effective coverage.
Once payment has been completed and accepted by the insurance company, customers can then proceed to a screen that will allow them to print several important documents:
- An invoice stating the amount paid, and the number of coverage months included in the payment.
- Policy information documents and disclaimers that explain a customer’s coverage, responsibilities, and the company’s services
- A temporary insurance card which can be used for obtaining a vehicle registration, or in the event that a driver must prove insurance for any other reason
Getting the Best Rate on Insurance Coverage — Instant or Not
Car insurance coverage can be an expensive proposition, especially for customers purchasing a new car or requesting the top-of-the-line coverage policy.
The best way to save on these expensive policies is to use an online insurance comparison tool which will pull information from multiple insurance companies and deliver a side-by-side comparison of prices.
Most insurance companies will compete for a new customer’s business, and so these comparison quotes are a great way to head into the process armed with information which will secure the best price.
When companies know that a consumer is actively comparing rates, coverage levels and limits, and discounts, they’re more likely to work with that customer to save them just enough money to land their business. It’s simply the best way to save. See your car insurance comparisons by putting in your ZIP code!
Instant Car Insurance an Easy Task
Obtaining instant car insurance is perhaps the easiest way to obtain insurance coverage at all. No agents are involved, an active comparison quote can save customers money, and they can be eligible to drive a new vehicle in just a few minutes — without ever leaving the home.
For those customers who need coverage, need it now, and want to deal with minimal red tape, instant car insurance coverage is easy and highly recommended. Instant car insurance coverage is easy to find using our FREE car insurance quote generator!