Buying car insurance isn’t the most exciting thing in the world, but luckily, with the rise of instant car insurance online, it shouldn’t take drivers long to find what they need. Buying an insurance policy online can also save drivers money. Here’s an overview of how instant auto insurance works and some tips for finding the best deal.
What are the benefits of getting same day auto insurance quotes online?
Here are some reasons why a driver might want to get a car insurance quote online:
It’s easier to compare insurance quotes
Getting car insurance quotes online only takes a few minutes, so it’s easy to compare them side by side. Most companies also allow drivers to save their quotes, so they can return to them later if needed. There are also auto insurance marketplaces designed to help motorists get quotes from multiple companies at the same time.
You will not be pressured by an agent
Insurance agents generally earn a commission on each policy they sell. This may lead some to encourage drivers to buy more coverage than they need or to opt for a more expensive company. When you compare quotes online, there is no pressure. Drivers can view rates at their own pace and choose the one that offers them the best coverage.
Some insurers offer online discounts
Several of the best car insurance companies of 2022 offer discounts to drivers who buy a policy online. In this case, there is no insurance agent to whom the company must pay a commission, so it passes these savings on to its customers.
What information do you need to get instant car insurance quotes?
Here is a brief overview of the information drivers need when buying instant car insurance:
All car insurance companies will ask drivers for basic personal information, including:
- Last name
- Date of Birth
- Marital status
- Driver’s license number
These form the backbone of a car insurance quote. Insurers use this information to calculate the likelihood of a driver filing a claim based on statistics and the driver’s personal driving record.
Some companies may also ask for the driver’s social security number in the quote, although others won’t ask for this information until the customer is ready to purchase a policy.
Drivers should also know the make and model of their vehicle and its Vehicle Identification Number (VIN), if possible. Insurance companies need this information to determine an accurate price for the vehicle. Certain makes and models are also more susceptible to theft than others, which can also affect car insurance rates.
Drivers with a history of accidents, speeding tickets or impaired driving are considered riskier drivers than those with clean records. Insurance companies charge these drivers more, which is why they want to know the recent marks on a driver’s record. In most cases, motorists will need to know the dates of any previous accidents, speeding or impaired driving that occurred within the last three years. However, in some states drivers must know details of accidents dating back five years.
Current and desired coverage
Knowing their current coverage can help a driver determine what level of coverage they should be looking for in a new policy. For those who have never had their own car insurance before, our guide to car insurance covers all the basics.
Tips for getting same-day car insurance
Drivers who want car insurance coverage ASAP should do the following:
Know the coverage you need
Drivers can save time by thinking about the level of coverage they are looking for. Some liability coverage is required to drive legally in almost every state, and those who have a lease or loan on their vehicle will also need to purchase collision and comprehensive coverage. Beyond that, there are plenty of additional coverage options available, and it’s up to each driver to decide which ones are right for them.
Use a car insurance calculator
Car insurance calculators can give drivers an idea of what to expect to pay when buying car insurance. Playing around with one of these is an easy way to determine which coverage fits your budget.
Find ways to save money
Most auto insurance companies offer discounts to drivers who meet certain criteria. Many automatically apply these to the driver’s premium, although there may be some reductions that drivers must opt into. For example, driver monitoring programs require drivers to provide consent. Those who choose to participate can get instantly lower rates.
Drivers might also be able to save by choosing a higher deductible. This is the out-of-pocket an insured must pay before the insurance company pays for the damage. Going with a high deductible generally reduces premiums.
One thing drivers shouldn’t do when trying to save money is skimp on coverage. It might seem like a smart move, but if the driver causes an accident and the cost exceeds their policy limits, they could end up with a huge bill.
For more tips, check out our guide on how to get car insurance for less.
Compare providers and rates for the best deal
Comparing quotes from multiple companies is the best way to find a great deal. It does not take much time for drivers who buy online. They can open multiple browser windows and look at quotes from different companies side-by-side to see which offers the best coverage at the lowest price. Those who aren’t ready to purchase a policy right away can save their quotes so they can view them later.