If you find yourself in a situation where you need to instantly buy auto insurance online, then you are in luck – as it is surprisingly easy to do so. Most providers and comparison tools offer instant auto insurance. This means that you can do more than just buy a policy instantly. You can even quickly compare them to get the best rates.
Some of the ability to instantly compare auto insurance quotes before choosing a policy comes from expert research conducted by our team. We researched to find the best car insurance companies and create a useful comparison tool. Our quote box gives you free quotes from local providers. You can get started by entering your zip code.
How to Get Instant Auto Insurance Online
Most auto insurance companies can extend online quotes. In most cases, you can choose to accept the quote right away and purchase a policy that goes into effect immediately.
While you can find instant quotes from most major insurance providers, do not expect them from independent insurance agencies that compare companies for you. That type of comparison will take them more time. Instead, you will have to work directly with an insurance company or use a comparison tool that automatically and instantly does so for you.
Some insurers even have their own quote comparison tools. Progressive offers one, for example.Our comparison tool is another option. It is a quick and easy way to get quotes online and save time. You can just enter the information into our tool instead of having to find the website for each insurance company and repeatedly re-enter your information to compare quotes.
Why Get Instant Auto Insurance Online
There are many reasons that you may find yourself in a situation where you need to get instant auto insurance online.
The bottom line is that most states require you to have coverage on registered vehicles at all times. If you are caught driving without insurance coverage, you can face fines. Many states will also suspend your license and/or your vehicle registration.
Even if you are not caught while driving without insurance, it will affect your future insurance rates. That is because insurance companies look at your past insurance coverage and claims before offering you a quote. If you have a coverage gap, they will likely increase your premium.
With that in mind, one of the possible reasons you would need instant auto insurance online is if your current insurance was canceled and you need to get coverage right away. Any gap in auto insurance can be a problem, so time is of the essence in this situation.
Perhaps the most common reason for needing instant auto insurance is that you are buying a car and need coverage before you can drive it off the lot at the dealership. Because nearly every state requires insurance coverage, dealerships will not let you drive your purchased car off the lot until you can prove you have coverage. Dealerships offer insurance themselves, in fact.
Another common situation is if you buy a car privately. In this case, you will need to get insurance coverage quickly, so you can show the DMV the coverage. Remember that the DMV will require proof of insurance before letting you transfer the title.
You may also need to get an instant insurance quote if something about your situation changed. For example, if you move, you will need to get a policy that reflects your new location. Or maybe you got a new car. Other possible examples include if you have a teen that just became of driving age or a student driver who just moved back home.
What You Need to Instantly Buy Auto Insurance Online
If you don’t have the relevant information handy, it can take a lot longer to get a quote online, as you will have trouble inputting the information.
There are two categories of information you will need to provide to get an instant quote and have the option to start coverage right away. These are information about your car and information about you and your household.
Expect to provide the following information about your car:
- Safety features
- Anti-theft features
- Vehicle identification number (VIN)
- Expected annual miles
Expect to provide the following information about yourself and any other driver who will be on the policy:
- Your address
- Where you park the car
- The level of coverage you want
- Your preferred deductible
- The number of drivers
- Each driver’s age
- Each driver’s credit score (or information for them to access it)
- Each driver’s driving history
If you want to apply for discounts, you will also need the information relevant to them. For example, if you or another driver you want on the policy has completed any safe driving or defensive driving courses, you will need that information. Or, if you have a student driver in the family, you may want their grades handy, so you can get a good student discount. Or maybe you need information about your property to get a discount for homeowners.
Never lie when getting an insurance quote. This includes lies about your driving record. You should always be completely honest about any past accidents and tickets.This is crucial because your insurance company will verify the information at some point. If they discover you lied, they are likely to cancel your insurance policy. This is especially true if your lie affected how they categorize your risk level.
How Long Does It Take to Get Car Insurance Online?
Once you have all of the information you need to enter, you should be able to buy your car insurance online in an hour or less. Within that time, you will have received quotes for auto insurance coverage, viewed your coverage options and gotten your new car insurance policy.
Our Recommendations for Auto Insurance
Based on our extensive research, we recommend that you consider getting insurance from GEICO, USAA or State Farm. With that in mind, we encourage you to use our comparison tool to instantly compare car insurance quotes from these companies and other insurers. This type of comparison for car insurance rates is the best way to stick to your budget while getting the car insurance coverage you need.
GEICO: 9.1 out of 10
GEICO is our experts’ choice for the Best Overall insurance provider. It earned an 8.5 for coverage, a 9.8 for industry reputation, a 9.4 for cost and a 9.0 for customer experience.
As you look at quotes from GEICO, you will notice optional add-ons, such as classic car insurance, roadside assistance, mechanical breakdown insurance, rental reimbursement and rideshare coverage. There are also numerous car insurance discounts available, including for federal or military employees, vehicle safety features and more.
USAA: 9.6 out of 10
USAA is our choice for the Best Military Provider. It earned a 9.5 for coverage, a 9.3 for industry reputation, a 10.0 for cost and a 9.3 for customer experience.
USAA also offers multiple add-ons. These include classic car insurance, rental reimbursement, roadside assistance, accident forgiveness, car replacement assistance and even coverage for rideshare and delivery services, like Uber and Postmates. You can also take advantage of discounts, such as for having multiple vehicles or low annual mileage.
State Farm: 9.1 out of 10
State Farm is our choice for the Best Student Discounts. It earned a 9.0 for coverage, a 9.9 for industry reputation, a 9.0 for cost and an 8.8 for customer experience.As you get your quote from State Farm, consider if you will want add-ons, such as rental coverage, classic car insurance, rideshare coverage, travel expenses or roadside assistance. Some of State Farm’s discounts include for good students, passive restraints and more.
FAQ: Instant Auto Insurance Online
Is it better to pay car insurance monthly or every six months?
Yes, you can buy car insurance online and typically complete the entire process, including beginning coverage, within about an hour.
Can I buy car insurance for one day?
No, you cannot get car insurance for one day. If you only need coverage for a day, it may be smarter to just rent a car that day and get insurance from the rental company.
Is the Zebra legit?
Yes, the Zebra is legit, but it’s not necessarily better than the other comparison tools available, such as our convenient quote box.
Who has the cheapest car insurance right now?
Based on our cost estimates, USAA offers the cheapest car insurance at the moment. However, this is an average, so you should compare quotes to find which provider has the cheapest auto insurance policy for you.
The Detroit Bureau collects data from every major car insurance provider to formulate rankings of the best insurers. Our in-depth rating system takes into account market share, coverage, auto insurance rate estimates generated by Quadrant Information Services, customer satisfaction and ratings from industry experts. Each insurer is given a weighted score in four categories, as well as an overall score out of 10.0.We recommend auto insurance companies based on these rankings, but we also encourage you to perform your own research and compare quotes to find the best coverage.