Jessica Fox Last Updated On: June 27, 2023

Need Instant Car Insurance? Here’s Everything You Need to Know

Thanks to the advances in technology and the auto insurance industry, you can easily get instant car insurance that’s effective immediately. Plus, you can do it all from the comfort of your couch. Getting a quick car insurance quote online is easy, as long as you know what to look for and have the necessary information ready.

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How to Get Quick Car Insurance Quote

Shopping around for an instant car insurance quote is easy and ConsumerCoverage makes it even simpler to find the very best quote for you, fast. Once you’ve found the right quote for your budget and coverage needs, you can purchase instant car insurance online from almost all major insurance providers. 

Once you’ve paid, you’ll be able to download your proof of insurance card and print it out, giving you immediate car insurance coverage so that you’re ready to hit the road. If you don’t have a printer, some insurance providers also have apps that let you display your proof of insurance card until you get a mailed copy. Make sure to cancel your previous insurance policy (if you have one). 

What You Need for Instant Auto Insurance

You’ll want to make sure you have everything you need handy in order to get a fast car insurance quote and instant auto insurance. This includes:

  • Driver’s license
  • Make and model of your vehicle
  • Vehicle identification number(VIN)
  • Vehicle’s mileage
  • Social security number
  • Your personal information (address, age, gender, marital status)

You’ll also want to know your driving habits (how often you drive, rough mileage per year) and your driver history (moving violations, accidents) because this will affect your quote. You can even order a copy of your driving record to help you be more prepared.  You may need to give authorization for the insurance provider to run a credit check, since this factors into your insurance rates in many states. The good news is that even if you have bad credit, you can improve it over time and reduce your insurance premiums.  You should also note whether your vehicle has any safety features (like anti-theft devices), which could lower your insurance. You may also be asked for proof of prior insurance coverage. The more information you can provide, the more accurate your insurance quote will be. 

 

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Why Would I Need Instant Car Insurance?

There are plenty of legitimate reasons for needing immediate car insurance coverage and ensuring that you have coverage before driving is the responsible thing to do. Reasons you might need instant car insurance include:
  • You’ve just purchased a vehicle
  • You need to borrow a friend’s vehicle
  • Your current policy has expired
The good news is that you can often get immediate car insurance within a few minutes to an hour if you have the information you need ready. However, if you can avoid buying instant car insurance online, you may be able to find more savings and give yourself more time to make a choice.

Types of Insurance Coverage

When getting an instant car insurance quote, it helps to know what type of coverage you’ll need. Some of the common types of car insurance coverage include:

  • Comprehensive: This coverage protects your vehicle from damage caused by anything other than a collision, such as theft, vandalism, a storm, etc.
  • Collision: This covers you for repairs caused by a collision with another vehicle or a fixed object like a tree or telephone pole.
  • Bodily injury liability:If you’re at fault for an accident that injures someone, this would help cover their medical bills and loss of income.
  • Property injury liability: This covers you if your vehicle causes damage to someone’s property.
  • Uninsured and underinsured motorist:This protects you if you’re hit by someone with no auto insurance or with liability limits that aren’t high enough to cover your medical costs.

There are several other types of insurance, including ride-sharing insurance, classic car insurance, parked car insurance, and more. Based on your driving habits, you may want more or less coverage, but it helps to know what you’re looking for before shopping for instant auto insurance online.

Once you know the types of coverage you need, you’ll also need to choose your liability limits and your deductibles. You can also add riders to your car insurance, such as accident forgiveness or 
roadside assistance coverage.

 

The Benefits of Instant Auto Insurance

Needing instant auto insurance is more common than you might think. After all, you might be purchasing a car that day and need same-day coverage, you might be borrowing a friend’s vehicle for a few weeks, you could be going on a road trip, and more. It might be as simple as you want to save money on auto insurance and find a less costly policy online.

Plus, there are several reasons why you might want instant auto insurance online instead of buying it in person or over the phone. Not only is it fast, but you can shop at your convenience, whether that’s first thing in the morning or late at night. You might also feel less pressured by shopping online since there’s no insurance agent pressuring you to purchase a policy. 

And even though you can get a quick car insurance quote, you can take the time to choose the right option for you and compare costs/coverage all at once. So, what should you know about buying instant auto insurance online? 

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Is Quick Car Insurance Quote Online Worth It?

Buying quick car insurance online is a great option for those that want to compare rates, but without any pressure, and get instant car insurance online that’s valid immediately. It’s fast, safe, and you can often find great savings. Driving without insurance is not only dangerous but also illegal in most states; instant car insurance can help you get the coverage you need, quickly. 

FAQ

Getting immediate car insurance coverage is as simple as getting an online insurance quote, purchasing the coverage, and printing your proof of insurance card. You can choose for it to be valid that very day so that you’re covered immediately to drive.

Almost anyone can get instant auto insurance. The only exceptions would be if you don’t have a driver’s license or it’s been suspended. It may also be harder to get instant auto insurance if you have poor credit or a history of risky driving.

Absolutely. You may want to stick to well-known insurance providers, but as long as you shop carefully, you’ll be able to get legitimate instant car insurance safely.


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