There are many situations that require instant auto insurance quotes and coverage. You may have just realized that your policy expired, your current insurer dropped you or you just bought a car. You need a tool that will help you search for the best deals as fast as possible when you are in a hurry. Luckily the Internet provides many solutions in this aspect and reduces the time needed to carry out many tasks like shopping for car insurance. There are plenty comparison websites like this one that can help you get those quotes and get your vehicle insured cheaply and instantly.
Steps to Help You Buy Instant Car Insurance Online
No matter how urgently you need coverage there are basic steps you need to follow to avoid buying the wrong vehicle insurance policy. You don’t want to be making rush decisions just because you are in a hurry. This is a common rookie mistake made when buying first time car insurance. God knows how long it takes for new drivers to realize their mistakes and correct it. That is why it is important to make sure that you get it right when you are at it for the first time.
With our online automobile insurance quotes you can tailor your coverage, get number of quotations, buy the cheapest policy for your needs and print or download your proof of insurance card in minutes. Here is how it works.
- Get Ready to Answer Some Questions
You don’t want to keep going back and forward looking for information. Gather existing or expired policy, vehicle registration document, driving licenses for all the insured drivers, social security number (optional). Also you should know how good is your credit score, how many miles you drive annually and what traffic violation tickets and claims you had in the last five years.
Once you have all the relevant information you can go as fast as you can type. No matter how fast is instant online auto insurance quotes they can only go as fast as you can.
- Get Cheap Instant Auto Insurance Quotes Online Here
Enter your zip code to find the top auto insurance companies in your state. Choose several of them to get your quotes and start filling the quote forms. Checking prices with several companies will allow you to compare them in terms of quality, price, coverage and even premium installment options. A quote doesn’t tell you anything about its competitiveness on its own. You can only find out how good it is by comparing with alternative quotes.
- Get All the Discounts You Can
You may not be aware immediately but as you fill the quote form you are going through discounts that are available. For example, questions about your homeownership or credit score are there to determine if you are going to get maximum discounts for being a homeowner and having a great credit score. So, fill all the boxes carefully and patiently in order to get the best prices. Instant online car insurance quotes are pretty accurate as long as the information you provide is accurate. In some cases you may need to guess the answer to a particular question like yearly mileage. Think about it a bit and try to provide accurate estimate.
- Choose a Cheap Instant Auto Insurance Quote
You may be in a position to make a decision once you have several quotes in front of you. Usually, this step is personal in many ways. Your vehicles, family, finances and many other personal factors affect car insurance decision. For example, you may feel more comfortable with a larger company or you may hate big corporations. You will find enough choices on our platform no matter what is your viewpoint.
Also, make sure that you are happy with price, deductibles and coverage. For example, you may want to increase deductibles to reduce premium. Car insurance deductibles explained on another post. This can be achieved pretty quickly since you now have a pretty good idea about companies and their rates. If you want, you can always go and get second round of quotes to find cheap liability car insurance or cheap full coverage car insurance depending on what you searched for the first time around. It is sensible to get quotes for full coverage even though you may feel it will be over your budget. You be surprised to learn that some insurers are more competitive when the customer wants full coverage, as opposed to liability only.
- Choose a Payment Method and Buy Cheap Instant Car Insurance
Once you choose your insurer and policy you need to decide how you are going to pay the premium next. Most companies will accommodate your wishes. However, some companies may charge higher interest (or installment fee) for paying monthly. And some companies may offer additional discount for paying the premium in full. So, keep these points in mind since they can affect which company you will go with at the end, especially when the quotes are similar.
After you purchase cheap instant car insurance you can immediately download or print proof of insurance. That is it and you are insured for another term. Now, all you need to do is drive safely so that you can get even larger discounts at next renewal. Don’t forget to repeat the same process next year as well. A lot changes in one year but only about 15% of motorists compare rates once a year. Many policyholders find the process to be either confusing, time consuming or they think that it is too much of a hassle.
Most of these concerns are eliminated by instant online auto insurance quotes that neither take long nor confusing. Many policyholders make the mistake of staying loyal to one company too long. A recent study shows that policyholders can save as much as 50% or over $800 on average on auto insurance. This is certainly not a small change and it shows that large savings are achievable. Perhaps, people are mistaken to think that it is too much hassle to shop for lower vehicle insurance premiums.