How to Get Instant Auto Insurance

If you have often wondered how to get instant auto insurance, you are in luck. These days, you have a number of options to choose from that will enable you to find insurance quickly.

Use the FREE toolbox by typing in your ZIP code and find instant car insurance rates today!

Trying to find instant coverage is not as challenging as it was in the past because there are so many new companies popping up. However, the real task is locating the provider that has a balance of great service, affordable prices, and reliability. This is why you need to create a plan of action first.

It is very easy to simply access the Internet and find thousands of sites that lead you to car insurance companies; unfortunately, most will not provide you with the information you really need.

Instead, you receive prompts to answer a few common questions. Upon receiving your responses, you may find surveys, advertisements or other irrelevant subjects that have nothing to do with your search.

To conserve time and hours of frustration, why not go with a leader in the auto insurance industry that will identify your needs and meet your expectations? You can do this by eliminating the scores of pretenders and going directly to the source.

Financial Organization is Key

Before you embark on your quest for auto insurance, you will need to organize a few things. Begin with your budget to determine how much you can afford to spend. This will help you decide on your coverage selection.

One of the most common mistakes many people make is failing to prepare in advance for the extra annual cost of car insurance.

More times than not, consumers purchase a service and then look for ways to accommodate the new expense instead of budgeting for it beforehand. Unfortunately, building your finances around a bill seldom works in the long-term. Even worse, some may cut corners and under purchase, forfeiting much needed coverage.

In addition to making poor choices, a growing number of people never consider their assets in their plans and this is crucial. If you encounter a situation where litigation occurs, you may need to rely on this portion of additional revenue if you have an at fault accident.

A great resource for anyone who needs to restructure his or her finances is the budget calculator at MappingYourFuture.org.

With this tool, you can create a personal plan centered on your monthly wages.

To begin, simply enter your gross earnings and proceed. It is extremely user-friendly and in a few moments, you can have a brand new way of looking at your spending habits. You may find that you have more money to put towards your car insurance than you originally thought was possible.

Have Your Car and Personal Information Ready

No matter where you go or which company you choose for instant car insurance, they will all need the same information so it is better for you to have the proper information at your disposal. Nothing will slow the process more than if you have to go looking for certain items.

Have all your necessary documents close at hand.

First, gather your car’s documents. Most car insurance companies ask for the make, model, and year of your vehicle. They also need the vehicle identification number and current mileage.

You can find the VIN number directly on the car, etched on a tiny, plate near the dashboard. You can also look on the driver’s door, there should be a sticker displaying the number there too. Autocheck.com has an excellent diagram if you have problems locating the VIN.

Your odometer shows the mileage. With most of the newer vehicles, you need to turn on the engine first before you can see the number displayed. However, older cars do not have this requirement.

They also need your personal information and they usually want your date of birth, address, as well as type of dwelling, Social Security number, and employment status. They may ask if you rent or own too.

Ironically, most ask about your driving history, although they have access to your data and automatically cross-reference your answers. However, they must inquire and receive your response as a way to combat fraud by knowingly withholding or providing deceptive information.

According to the Pennsylvania Insurance Fraud Prevention Authority (IFPA), this type of behavior is a punishable offense. Not only can the car insurance company terminate your policy, but you can also face legal consequences. Be smart and give honest answers at all times.

If you currently have an auto insurance provider, you will need to give them the name and the number of months or years you have used their services. You can find this on your policy.

If you allowed the coverage to lapse, let them know the length of time. Again, they will already have this information, so just tell them in advance.

Finally, they will ask about your coverage preferences, this is where your prior budgeting plan springs into action. As long as you know how much you can spend, you should be able to let them know what you need without too much trouble.

For many people, this stage requires the most time because they do not pre-plan. However, if you took the time to set things up properly, this should be a breeze.

Find Out if You Reside in a No-Fault or At-Fault State

Currently there are 13 no-fault auto insurance states and Puerto Rico, which operate under the concept of dismissing the subject of who caused the accident and proceeding directly to the claims phase.

Under no-fault laws, the victim of an accident receives proper compensation without the long process of litigation or arbitration.

The no-fault states include:

• New York
• New Jersey
• Kansas
• Hawaii
• Massachusetts
• Pennsylvania
• Florida
• North Dakota
• Michigan
• Minnesota
• Kentucky
• Colorado
• North Dakota

If you reside in a no-fault state, you will need to elect personal injury protection or PIP and the accompanying deductible to satisfy the policy requirements.

Other states, which still utilize the at-fault process, do not require PIP and therefore the claims process is much lengthier. Many times, the procedure can take months before settlement because of the steps involved. Establishing fault is not always straightforward.

You need to know this when you start looking for car insurance because it is important that you understand what you could face if you cause or are the victim of an accident.

Make Sure the Resource You Select Has State-Specific Information

Auto insurance quotes are not only specific to individual factors, but they also have state mandated laws and regulations. If you go to an online site, you need to make sure they have the ability to provide you with information that relates to your state.

If they cannot offer you the correct rates for your area, you have zero benefits from their rates. You should always refer to a resource that allows you to review estimates based on where you live, like the Department of Insurance.

You may also want to brush up on the current events in your state, since issues like car theft, vandalism and insurance fraud can certainly influence your rates. For example, many auto insurance companies want customers in some states to believe they have more instances of theft than others do.

For several years, residents of Michigan received very high estimates for car insurance because of these concerns, however the latest report from the Michigan Automobile Theft Prevention authority or ATPA shows a decline of stolen cars of 28.6% between 2007 and 2009.

According to these statistics, people who live in Michigan should no longer have the negative stigma attached. They can now look forward to lower car insurance rates.

Nonetheless, there are still auto insurance companies that exploit past numbers. If you do not educate yourself to current facts, you could fall right into their unethical practices.

One of the ways to avoid this problem is to work with the larger auto insurance providers that have long, established policies and procedures. The top companies, such as Allstate, State Farm, and Progressive all dedicate themselves to reliable and ethical business practices. They do not make deceptive offers or bait and switch their customers. They can also provide you with immediate policies where you live.

Evaluate the Offers of Several Car Insurance Companies

Make sure you go to at least three or four sites and get your quotes so you can complete an evaluation. This ensures that you will receive everything you need and most of what you want.

There are no perfect car insurance companies, but you can find a very close match through proper research.

The price points should fall in line with your finances and the customer service staff should accommodate your requests in a professional manner. In addition, you should have 24-hour access. If you need to file a claim, whether it is major or minor, the process should be smooth and easy to understand.

They should give you plenty of options and the policy should not have complicated verbiage or too many constraints that you cannot read them in just a few minutes.

Start the Process

Once you finish your research and realize whom you want as your auto insurance provider, you can start the process. This should be fairly simple and take less than an hour to complete.

If you decide to go online, you can access the site and begin to add your personal information onto the application. Next, input the data for the vehicle and select your coverage options.

Remember, some levels of protection have mandatory limits, but they are often very low. Be sure to select the amounts that provide optimal security for you and your family, if applicable.

After you finish answering questions and entering your information, you will arrive at a final annual rate. Confirm this amount with the original quote you received and look for any variance.

If the number is way off, you may want to contact a representative over the telephone instead. However, if the price looks on target, proceed to the disclosure section. Read the entire area thoroughly.

Choose your payment schedule and method of payment next. Many companies offer a reduction if you pay the entire amount up front. However, if your plan did not include this expense, do not select. It is better that you lose the discount than to throw your entire budget off.

Within a few moments, you should receive a confirmation and the option to print your new automobile insurance identification card(s). Some states do not accept printed copies. If this pertains to you, your originals arrive in the mail.

Today, you no longer have to go through the hassle of trying to get car insurance instantly thanks to the Internet. Where years ago you would have to make numerous phone calls or visits to insurance agents, you can now shop for and purchase insurance for your car from the comfort of your own home in a matter of minutes in some cases.

Receive great car insurance rates now by entering your ZIP code into the FREE toolbox!