How can I get quick auto insurance?
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UPDATED: May 29, 2019
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If you want to drive legally, you will need at least the minimum amount of liability auto insurance required by your state. It is easy to find liability car insurance quotes and quickly purchase an insurance policy with a minimum amount of fuss.
However, before you purchase car insurance, it is a good idea to shop around a bit to make sure you are getting the best price for your auto insurance policy and are getting the kind of car insurance you need.
In most cases, the application process for auto insurance is very simple. You complete a form, either in person or online, and submit information about where you live, your sources of income, your driving record and your vehicle.
Your application then goes to the insurance company and is given preliminary approval by the underwriting department and you are issued a temporary insurance identification card when you submit your first payment.
Unless you already have an existing policy that you are modifying, most insurance companies now require that you make a down payment to start your policy and put it in force.
The underwriting department of the insurance company will run a vehicle report and a driving record report. Additionally, they may run a credit report. This information may have an impact on your auto policy premiums.
If you have tickets, accidents or poor or bad credit, you may receive a notice that your premium rate is increasing and your future payments will reflect the increased amount.
Finding Auto Insurance Quotes
There are a number of ways to quickly find auto insurance quotes and usually you can make a purchase decision within a matter of a few hours at most if you know what you are looking for in coverage.
One of the fastest ways is to stop in and talk to an independent insurance broker. Independent insurance brokers represent a number of insurance companies and are able to provide you with rates for comparison while you are in the office.
They will ask you about what kind of coverage you need and may even offer suggestions about the best kind of coverage and ways to bring your rates down.
Once you make a decision about buying coverage, it is simply a matter of completing an application and making a payment to put the policy in force.
You will be issued a temporary insurance card and receive your policy within a matter of a few weeks or days.
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Using the Web
Another source for finding quick car insurance is with an insurance comparison website. This process may take a little bit longer than working directly with an auto insurance agent.
However, you only need to fill out a request form one time with your relevant information and then sit back and wait for the policy rate quotes to come in to you.
You may receive rate quotes on the comparison website’s page, but most often, you will receive them through an email or telephone call from an interested insurance company or insurance agent.
Most of the time, rate quotes from insurance comparison websites come from companies and insurance agents that have contracted with the website tor receive leads for potential interested customers.
You can also go directly to an insurance company website and get an online quote and purchase auto insurance within a matter of a few minutes.
Insurance company websites are extremely helpful places to research insurance. They provide you with background company information and they also provide information on the different kinds of insurance and financial products the company may offer.
Choosing the Right Car Insurance
When you are looking for auto insurance policy rates to compare, it is important that you compare the exact same kind and levels of coverage from one company to another.
You should also compare the same deductible amounts since this can also be a large factor in auto insurance rates.
- Liability Auto Coverage – Liability car insurance is the kind of insurance that most states require as minimum coverage. It pays for repairs to a car you hit in an accident and medical expenses related to injuries in an accident you cause. It does not pay for any injuries you or your passengers receive if you cause the accident. Additionally, it does not pay for repairs to your car.
- Collision Coverage – Collision auto insurance pays for repairs to your car if you hit a building, guardrail, fence or another car.
- Comprehensive Coverage – Comprehensive auto insurance pays for damages to your car that are not the result of hitting something. It pays for damage that is the result of events such as hail storms, floods, rain and fire. It also pays for damages to your car if it is vandalized or is stolen. If your car is leased or financed, you will probably be required to purchase comprehensive coverage.
Once you know what kind of auto insurance you want to purchase and the amount of insurance you need, then it is easy to get rate quotes from several companies for comparison.
Generally, you can purchase car insurance within a matter of an hour or less, provided you have all the information needed to submit your application and are able to make an initial down payment to start your policy.