What you Need To Know About Instant Car Insurance Quotes

Considering instant auto insurance quotes for your car? Here is what you need to know.

Who should go online for auto insurance quotes?

The Internet has made life easier for so many aspects, including getting car insurance policies. To assist you with shopping around for the best price, there are rate-comparison websites.

For those who would like to work directly with insurance providers without talking to an agent or a broker, instant auto insurance quotes can be found within seconds of browsing the web. However, every coin has two sides; online auto insurance can be convenient and effective for some but harmful to others. Here we will talk about who should go shopping online for car insurance and who should not:

If you have few asset, online quoting is fine

If the most valuable asset you have is your vehicle, you are the perfect candidate for online insurance. The logic behind this is the more complicated your policy needs, the more chances you will get benefits from online quoting. Those who are categorized into this group are the young, the single, people without a mortgage, and the price-sensitive. If you need nothing more than the state minimum coverage, instant auto insurance quotes can be your best bet.

If you own a home, call an agent

As you accumulate more assets, your situation might get out of your control and that is when you need an agent’s help. A quote that includes homeowners insurance, car insurance, and umbrella coverage can give you a headache.

Another potential customer of insurance agents is those with a complicated situation. If you have been involved in accidents, have filed a claim, or use your car for work the factors that will lead to expensive rates, call an agent and see if they can do anything to save you some money on auto insurance.

Benefits of instant auto insurance quotes


Shopping around is crucial to landing a cheap insurance quote, but the time of browsing the web for hours visiting several different sites has gone. Now is the era of rate-comparison websites, where you can get quotes from many providers in a few minutes.

Protect your personal information

Instant quotes do not require lots of customers’ information. All you need to put in are your age, gender, and driving record. While with longer quotes, through an agent or a broker, for example, you have to provide a lot more, which expose you to the risk of losing the information to identity theft.

No pressure

The insurance market is notoriously competitive and agents will not miss a chance to get a sale. Once you have consulted an agent and left him or her your email address or phone number, you might get their emails or phone calls anytime, which can be a nuisance if you do not have the intention to buy from them.

The control is yours

Going through all the paperwork can be a daunting task especially if you do not have a lot of time. The situation will get worse if you have an agent besides you and swift you all the documents. It is essential that you ensure you know what you are doing before signing anything. With instant auto insurance quotes, all that you need to read are placed right before you and you can take your time go through them all at your own pace.

Solution when you are in a hurry

Instant car insurance quotes can be your savior at the time of urgent needs. For example, if you have a car registration that is due, online quoting can provide you with proof of insurance in no time.

What should I do to get instant auto insurance quotes?

Getting car insurance quotes online is not a straightforward task. A little preparation is required to get the job done the way you want it. Here are what you need to have beforehand:

Personal information

According to the Insurance Information Institute, policyholders’ personal information will largely determine the rates that they can expect. The more accurate the information the better.
  • Your address (to calculate your risk)
  • Your age (to determine your driving experience)
  • Your driver’s license number (to make sure you are a licensed driver)
  • Your gender (to calculate your risk of getting into accidents)
  • Your Social Security Number.

Your vehicle’s information

The risk may not come solely from you, the driver, but also from the car you drive. That is why your vehicle’s information must be included too.
  • The year, the make, and the model of the vehicle.
  • The car’s Vehicle Identification Number (VIN)
  • The car’s odometer reading.
  • Does your car have anti-lock brakes?
  • What safety features does your car have?
  • What security features does your car have?

Your driving record

This factor can be broken down into
  • How many miles do you drive a year: insurers believe that the more you drive the more chances that you will have a road traffic accident.
  • Accidents that you have been involved and any moving violation: A safe driver will get rewarded and reckless ones will have to be fined. Insurers will require this piece of information from you to decide if you are a responsible driver or not. 

The insurance you may need

Knowing exactly what you need is the very first step toward a cheap car insurance. Here are some common coverages that you might want to take a look:
  • Liability coverage.
  • Collision coverage.
  • Comprehensive coverage.
  • Medical payments coverage.
  • Uninsured/Underinsured motorist coverage.

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