Need Instant Car Insurance? Make Sure to Read This First

Posted 2 years ago in CARS & VEHICLES.

Instant car insurance is a catchy name for pretty much any type of car insurance.

Need Instant Car Insurance? Make Sure to Read This First

How to Get Immediate Car Insurance Coverage

Car insurance is legally required almost everywhere in the U.S., and driving without it (even for a short amount of time) can get you into serious financial and legal trouble. But with instant auto insurance, you can get the coverage you need, fast.

So, what’s the catch? Keep reading to find out what you should know about instant car insurance quote so you can make the right decision for your car insurance needs.

What’s Instant Car Insurance & How Do I Get It?

Instant car insurance is a catchy name for pretty much any type of car insurance. The truth is that you can get instant car insurance with most providers these days; all you need to do is find the option you want, purchase it online or through an insurance agent, and you’ll have immediate auto insurance coverage.

The only caveat is that you’ll need to make a payment in order to get instant auto insurance. The amount will vary by provider, but you’ll need to put some money down in order to activate coverage. This might be through a low down payment car insurance or by paying the first month’s premium up front.

How to Purchase Instant Auto Insurance

As soon as you purchase an insurance policy, you usually have immediate car insurance coverage. But there is some legwork that goes into choosing the car insurance policy that the name “instant car insurance” doesn’t quite convey.

After all, you want to be sure the policy is right for you and your driving needs. This is why it’s important to do some research before choosing a policy. You’ll want to compare coverage, rates, terms, and more to ensure that you’re getting the best deal for you—and not just getting pulled in by the promise of immediate car insurance coverage.

In order to compare plans, you’ll need multiple quotes. Car insurance providers now typically offer instant, free quotes based on your specific information. You’ll need to have a few things ready in order to get your personalized quote, including:

  • Driver’s license
  • Your personal information, including address, marital status, gender, date of birth, and more
  • Year, make, and model of your vehicle
  • The car’s mileage
  • Your driving history
  • Proof of prior coverage

With this information ready, you’ll be able to get much more accurate quotes and get your instant car insurance that much faster. Keep in mind that car insurance for new drivers might come with a higher quote, given that insurance providers see you as a riskier driver. Over time, your premiums will go down if you keep a clean driving history. 

Instant Car Insurance Coverage

If you’re worried about the type of coverage instant car insurance offers, rest assured that it’s the same as any other form of car insurance. The only difference is that the coverage starts immediately, but you can still choose the coverage you need at purchase, including:

  • Comprehensive
  • Collision
  • Bodily injury liability

You’ll be able to add riders if you want, such as uninsured or underinsured motorist coverage. 

The Bottom Line

Instant car insurance is easy to get these days and it can be incredibly helpful if you need coverage right away. Make sure to take a few minutes to get multiple quotes, compare car insurance coverage, and choose the right policy for you. When it comes to your wallet, you can afford to take a few extra minutes to truly understand what you’re purchasing, especially for something like car insurance with recurring payments. 

Arthur Knight

Living in United States