With the advancements in technology these days it has become totally possible to get quick car insurance from the internet, phone or mail order. On the internet these days you only have to fill out one of the forms on websites such as geico.com, progressive.com or any reputable car insurance provider and you will get an estimate right away. You can then order your auto insurance on the internet or have the agent call you and actually walk you through buying your car insurance. We recommend talking to an agent first, because 8 times out of 10 people do not know what car insurance they should be getting, the liability limits, split limit or single limit liability, whether they need comprehensive and/or collision coverage on their car.
Getting quick car insurance is great if you know what type of insurance you need and know beforehand of any potential gaps in your insurance plan. You can save as much as 10% or 15% by calling 800 numbers to reach the insurance companies directly and place an order for the insurance you think you need. You do not need help from an agent if you:
- Have nothing to lose. If you have minimal income and assets and must buy the mandatory car insurance to be able to drive
- Don’t care if a “gap” in your insurance policy will result in an uncovered claim.
- Have your own insurance/experience. (Worked for a car insurance company and know what’s going on)
- Have a friend or colleague who has expertise they need to design the right coverage for you. You can have your friend design the right coverage for you and then go and shop around for auto insurance companies that offer all of your requirements covered for the cheapest price.
- Get but a quote from your agent. If your car insurance agent is not advising you and working together with you, why have him in the first place?
When the coverage gaps are taken care of and you know exactly what you need, you can go online and compare the prices. A lot of the websites that you come across ask you for your Zip Code and then for information about your car make, year, model and other personal information. When you type all of the information in, up to 8 different car insurance companies receive your information and will try to follow up with you and offer their insurance services.
The good thing about this is that you can truly sit back and just have insurance companies call YOU and then compare how much the plan you decided to go with is going to cost with other auto insurance companies, ultimately choosing the best option for you. If you want to insure two or more cars, read the Two Car Insurance article.
If you truly need the quickest car insurance you can possibly get, try Esurance.com – you can fill a form online and get an insurance quote, if they have it available in your state. (Esurance operates in only 30 states). Another option would be to call an insurance company directly and discuss the possibility of getting your car insurance quickly. However, be careful before signing that 20 page long car insurance policy, at least put some time in reviewing the terms and conditions, what’s excluded and what’s included.
If you’re traveling abroad and need auto insurance, read Car Insurance Abroad article, it talks about getting proper auto insurance when traveling internationally.