Yes. Purchasing auto insurance in the past typically involved calling an insurance agent or going in person to their office. But nowadays, everything—including auto insurance—can be purchased online. How practical! Yet, to make an informed decision about which coverage best suits your needs, it is important to know what to expect when looking for an online quote.
Is It Better to Buy Car Insurance Online or Over the Phone?
Buying your auto insurance online is a simple, risk-free way of securing the financial protection you’ll need in the event of an accident. The biggest advantage of buying it online is that you’ll be able to do so around the clock, wherever you are.
How about over the phone? Sometimes, the agent won’t have the same discounts shown on their website. You’d be surprised how frequently some deals can only be redeemed online. Furthermore, agents are more likely to succeed in persuading you over the phone.
So which option is better? It all boils down to personal preference: some people dread talking on the phone and would rather do it online. Others would prefer having an agent explain the available coverages over the phone. It’s entirely up to you where you want to make the purchase.
How Fast Can You Get a Car Insurance Quote Online?
As long as you are prepared with the required paperwork, buying auto insurance can take anywhere from 20 minutes to a few hours. The auto insurance quote process often takes only 10 to 15 minutes, and most insurance providers offer instantaneous, binding quotations that can go into effect immediately.
To make online quoting as quick as possible, prepare your personal information, car details, driving record, and insurance history for any online quote tool. Figure out how much and what kind of insurance you need. Last but not least, reduce the number of companies from which you obtain estimates. Requesting quotes from too many companies will only complicate your decision-making.
We advise you to take your time with this. With so many coverage alternatives available, it’s easy to overlook a better offer. Because of this, take your time and carefully consider what you require so that the insurance you select is ideal for your needs.
Does Car Insurance Take Effect Immediately?
Absolutely! Typically, your auto insurance policy takes effect the moment you buy it. No matter where you are, you can purchase a policy online using your phone and start receiving coverage right away. The same information is required for any automobile insurance policy: Your valid driver’s license, the specifics of your vehicle (year, make, model, and VIN), and the details of your insurance provider (current or prior).
What to Consider When Buying Your Car Insurance Online
Now that you know you can get car insurance online, we’ve compiled a list of the three most important factors to consider while doing so.
Gather All Relevant Information
You want your quote to be as accurate as possible, which means telling the car insurance company everything they need to know to get it right.
A few common examples of information they’ll need to formulate a quote include your car’s make, model, year, and vehicle identification number (VIN). You’ll also need to tell them the zip code of where you park the car at night and any aftermarket safety or anti-theft accessories installed on the vehicle, as these will affect how much you pay for car insurance.
Compare Car Insurance Quotes
Get various quotes from multiple insurers. Instead of driving all over town or spending the entire afternoon on the phone, you can now obtain quotations from several insurance providers with only a few clicks and a few website visits. When comparing prices, you’ll see that the cost of the same policy can vary widely between companies.
Look Beyond the Price
Your auto insurance cost is crucial—possibly the most important factor. But if this were the only thing you considered, you would be doing yourself a disservice. You need coverage! Take a close look at the terms of your policy to ensure it matches your expectations for coverage and deductibles. You’re not saving money if you have a low-price monthly premium but have to pay out of pocket when something goes wrong.
Get Strong and Flexible Insurance
Here at Pronto, we understand that car insurance is more than just a legal need. The flexibility of our policy packages allows you to create the perfect plan for your needs. We offer a wide range of coverage, including liability coverage, collision coverage, property damage, roadside assistance, and more.
