Frequently asked questions

FAQ

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Insurance Definitions
- What is SR-22?
- What are the differences between car insurance and a car warranty?
- What is a standard versus non-standard insurance policy?
- Who is an excluded driver?
- What is an insurance premium?
- How does additional interest differ from additional insured?
- What is reinsurance?
- What does subrogation mean?
- What is loss of use coverage?
- What is Proof of Insurance?
- What is an FR-44 form?
- What is bodily injury liability insurance?
- What is property damage liability insurance?
- What is NAIC?
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How does insurance work?
- What amount of car insurance does a person need?
- Do car insurance companies use credit scores?
- Is car Insurance a tax-deductible expense?
- What is Med Pay or Medical Payments Coverage?
- Does my policy cover pre-existing damage?
- Does car insurance follow the driver or car?
- How is fault determined in a car accident?
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Types of Insurance
- What is collision insurance?
- What is PIP insurance?
- What is No-Fault insurance?
- What is non-owner insurance?
- What is property and casualty insurance?
- What is umbrella insurance?
- What kind of insurance policy should a driver use after a car accident?
- What is No-Pay, No-Play Insurance?
- What is Property Protection Insurance (PPI)?
- What is permissive use car insurance?
- What is agreed value vs stated value insurance?
- What is CPI or Collateral Protection Insurance?
- What is Gap Insurance?
- What is the difference between comprehensive and collision auto insurance coverage?
expand_more expand_less
How do I shop for online car insurance?
- What’s the best way to compare auto insurance rates?
- How do I find the best car insurance rates online?
- How can I compare auto insurance rates and companies online?
- Is it possible to purchase car insurance online?
- Can anyone buy auto insurance online?
- Are car insurance rates cheaper online?
- How many drivers can I cover if I buy my car insurance online?
- What if I have unique needs, can I still buy insurance online?
expand_more expand_less
What's the best way to buy car insurance online?
- Is it smart to look for auto insurance online?
- How do I know I’m getting the best auto insurance rates online?
- Are the online auto insurance rates more expensive?
- What is the best website to shop for car insurance?
- Will I have to go in person to an office if I decide to buy online car insurance?
expand_more expand_less
How does buying car insurance online work?
- Is it hard to buy car insurance online?
- How long does it take to buy car insurance online?
- How secure is it to buy auto insurance online?
- How soon will my car be covered if I buy auto insurance online?
- How much time do you have to get insurance on a new car?
- Can I get proof of coverage if I purchase online car insurance?
- How long does it take to get my policy?
- What kind of vehicle does car insurance usually cover?
- How many cars will my car insurance cover if I buy online?
- Can I bind my car insurance policy online?
- Can I talk to a licensed insurance agent if I buy auto insurance online?
- Can I switch insurance companies in the middle of a policy term?
expand_more expand_less
What is required to buy car insurance online?
- What will I need to buy vehicle insurance online?
- Will I have to upload documents to purchase online car insurance?
- Can I buy car insurance online for a new vehicle?
- What steps are involved when buying car insurance online?
- Will I need to pay car insurance all at once if I buy it online?
- Can I make payments for my auto insurance if I purchase it online?
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Misc
- Can you get your vehicle out of impound without insurance?
- Does a failed auto inspection affect your car insurance?

Insurance Definitions

What is SR-22?

SR-22 refers to a form that proves you carry your state’s required minimum liability coverage. Although the form has the word “insurance” in its name, SR-22 is not a policy. It is an official document that is also known as a “certificate of financial responsibility.” When buying an auto policy, the SR-22 is sent to your state as proof you have the minimum required coverage.

What are the differences between car insurance and a car warranty?

Car insurance typically helps to cover accidents and other “perils” as shown in your policy. Car warranties and extended car warranties are bought to cover mechanical problems associated with your car. Basically, an extended warranty from a third-party vendor is a vehicle service contract. If you are trying to decide whether or not you need both, consider your particular situation. If you commute long distances, for example, you may want both. Either way, be sure to understand what both car insurance and a car warranty offer before making your decision. And make sure your repair shop accepts a warranty you may be considering.

What is a standard versus non-standard insurance policy?

Drivers considered to be a low risk by insurance companies are covered by a standard policy. Low-risk drivers include those with good driving records and good credit. They typically drive moderate cars and can obtain affordable rates for coverage from large carriers. Good drivers can expect lower rates if they do not have a history of accidents, violations, or serious infractions. Non-standard insurance, on the other hand, accommodates drivers with poor driving records. Unfortunately, these policies charge higher rates.

Who is an excluded driver?

The term “excluded driver” is in reference to a driver you’ve asked not to be covered in your policy. Why would someone ask to remove a driver from their coverage? In most cases, driver exclusion boils down to risk. When removed from your insurance, they won’t be covered under your policy and can no longer drive your car.

What is an insurance premium?

A premium for car insurance is what you pay regularly for coverage on your car. Depending on your carrier, you may be able to pay monthly or by another payment plan. Paying your premium provides coverage by your insurer for liability and/or collision coverage as described in your policy.

How does additional interest differ from additional insured?

The terms “additional interest” and “additional insured” refer to whether or not someone has interest and/or ownership of property. If you have a vested interest in an insured property/item but have no ownership, this is called “additional interest.” An additional insured typically has a stake or part ownership in the insured item or property. The additional insured can also be the beneficiary of the policy. Additional interests may be a company or other party that has a vested interest in the property’s protection. However, the additional interest is not covered by the insurance policy.

What is reinsurance?

Think of it as the “insurance of insurance companies.” This is how the Reinsurance Association of America describes the concept of no carrier having too much exposure. It deals with the risks due to a huge disaster or event. This type of coverage is important to companies when a disaster or another incident occurs. It can limit the losses incurred by these large carriers during such an event. Reinsurance happens when multiple carriers share risk. This occurs when these carriers buy policies from other insurers to cap or limit their own loss should disaster strike.

What does subrogation mean?

The word “subrogation” describes the right by insurance companies to pursue a third party through legal means. This third party is typically responsible for causing the insured to sustain an insurance loss.

What is loss of use coverage?

In short, loss of use coverage helps pay for additional costs incurred for housing and living due to a covered event. Typically, this coverage occurs when your house becomes temporarily uninhabitable during repairs or when rebuilding is necessary. This coverage is also called Additional Living Expenses (ALE) insurance or Coverage D. It allows for your policy to temporarily help in covering reasonable costs. These costs are specifically associated with maintaining your standard of living if your insured asset is no longer available.

What is Proof of Insurance?

Proof of insurance is evidence that proves you have an active policy. Similar to your health card, it lists details that verify you have coverage. This is important since all, but one state requires auto insurance. New Hampshire, however, does require that drivers prove they are financially able to cover an accident they may have caused.

What is an FR-44 form?

FR-44 (or FR44) proves you carry active liability coverage at the legal minimum or in excess of the requirement. It’s a certificate that provides this information but is not to be confused with an actual form of auto insurance. Instead, the FR-44 form is proof of your auto policy. The letters “FR” stands for financial responsibility and this form carries stricter requirements than the SR-22. FR-44 is typically used for more severe offenses while driving that result in requirements for higher liability coverage.

What is bodily injury liability insurance?

Required by most states, bodily injury liability insurance covers medical expenses and resulting lost income due to an accident. It may also cover and pay your legal fees should you have to go to court as a result of the accident. This type of coverage helps to pay medical expenses such as hospital and ambulance costs, or canes, walkers, etc.

What is property damage liability insurance?

As part of an auto policy, property damage liability insurance helps cover costs for damage you cause to another’s vehicle/property. This type of coverage is required in most states and covers repair expenses if you’re found at fault.

What is NAIC?

The NAIC is a United States organization that sets insurance standards and provides regulatory support. NAIC stands for the National Association of Insurance Commissioners. The organization was created and governed by head insurance regulators who represent all fifty states, DC, and five U.S. territories.

How does insurance work?

What amount of car insurance does a person need?

The amount of car insurance you need depends on your personal situation. For example, your needs will depend on the state you live in, your vehicle’s value, and what you can afford. In addition, if you have a loan on your vehicle, comprehensive and collision coverage will be required. Of course, there are other types of coverages available that you might need to protect you financially.

Do car insurance companies use credit scores?

Most insurance companies view credit scores as a rating factor that helps inform and evaluate the risk of loss. For example, Federal Trade Commission data shows that more claims are filed by drivers with poor credit ratings. These claims are also more costly. Many companies DO use a credit-based insurance score. This score is different from the traditional fico score and evaluates the consumer’s risk of insurance loss. Scores range from low to high with the higher score seen as a lower risk factor.

Is car Insurance a tax-deductible expense?

Certain individuals, for example, who are self-employed can deduct car insurance from their taxes. It may be part of their business-related expenses. It may also depend on whether an individual will itemize deductions. Others who can deduct coverage include specific individuals such as qualified performing artists. Armed forces reservists may also deduct their car insurance from their taxes. If you are self-employed, you’re allowed to deduct premium costs as part of your “actual car expenses.” But premiums are just one item in potential deductions you can claim when using this method. For example, let’s say you were involved in an accident that resulted in damage to your property. In this case, you would need to file a claim prior to entering as a deduction on your taxes. You can only claim a deduction that is equal to the amount your insurance company didn’t cover. This amount represents your actual loss amount.

What is Med Pay or Medical Payments Coverage?

The term, Medical Payments Coverage, refers to the part of an auto policy that helps pay medical expenses. This can include you or your passengers’ medical expenses due to injury from a car accident. It doesn’t matter who was at fault. Sometimes this medical payment coverage is called medical expense coverage or med pay. Typically, there is no deductible, and you will find it expressed as a coverage limit on your policy. This type of med pay coverage is currently required in Maine, New Hampshire, and Pennsylvania. Other states may include it as optional coverage.

Does my policy cover pre-existing damage?

Unlike health insurance, car insurance policies do not usually cover pre-existing damages. Pre-existing damage refers to any damages that your vehicle already had before you bought your insurance policy. For damages to be covered by an auto insurance provider, the damage needs to have occurred after the policy start date. If the preexisting damage to your vehicle is extensive, many companies won’t offer vehicle coverages, i.e., comprehensive and collision coverages.

Does car insurance follow the driver or car?

Typically, car insurance will follow the car. For example, let’s say that you let someone drive your vehicle and they end up in a car accident. In this case, and depending on your coverages, your carrier would likely be responsible for covering the claim. You can guarantee that you and the driver are covered along with the vehicle by adding complementary policies. You can obtain a “named driver policy.” This policy covers any driver you wish to cover while driving your vehicle by adding them to your policy. If the driver is not part of your household and driving your car, they may consider getting a “non-owner policy.” This will cover them and your car.

How is fault determined in a car accident?

Finding fault in a car accident can be tricky. Deciding who caused an auto accident requires evidence and witnesses. Sometimes, blame may not be clear at all. Photographs of the incident and damage can be very useful and key to figuring out what happened. You may also rely on things like recorded traffic camera footage to decide which driver is at fault.

Types of Insurance

What is collision insurance?

If your car is damaged due to an accident, collision insurance helps pay for your repairs or replace your vehicle. This includes accidents with other vehicles or other objects like a wall or pole. This type of coverage is not required by law as is liability. However, collision protection may be required if you lease or finance a vehicle. Under this coverage, you will need to pay a deductible before your policy covers the remaining expenses.

What is PIP insurance?

Personal Injury Protection (PIP) covers medical bills, loss of wages, even funeral costs following an accident. This type of coverage is also known as “no-fault insurance” as it covers expenses regardless of who’s at fault. Requirements for PIP vary from state to state. Availability of PIP auto coverage is in states that have enacted no-fault laws or similar auto reparation reform laws. It covers the treatment of your injuries and your passengers’ injuries.

What is No-Fault insurance?

No-fault insurance refers to PIP (Personal Injury Protection) coverage. It helps to cover your (and passengers) medical bills and loss of wages when you’re involved in an accident. This type of coverage kicks in no matter who is at fault. The insured driver’s own policy covers the losses that occurred regardless of the accident’s cause. This is similar to first-party coverage. The goal of no-fault insurance is to lower premium costs by avoiding expensive litigation over collision causes. It also provides for quick payments for any injuries or property loss.

What is non-owner insurance?

Drivers who don’t own a car can be covered by non-owner car insurance, which provides liability coverage. This inexpensive policy provides liability coverage when you rent or borrow a car or file an SR-22 without a vehicle. Rates for this type of coverage are often 5% to 15% less than standard policy rates. This type of policy isn’t for everyone. This is especially true if living with a car owner. Or if you are required to be listed as a driver on a primary policy. Non-owner insurance only covers the damage and injuries you incur to other drivers and their property. It does not provide collision or comprehensive coverage for your vehicle. In addition, it doesn’t offer bodily injury coverage for you or your passengers.

What is property and casualty insurance?

Also known as P&C, Property and Casualty insurance is coverage that protects you, your belongings, and your property. Both property and casualty are usually “bundled” together into one policy. Property insurance typically covers things that you own. This can include your house, car, or other belongings. This policy will protect you against loss or damage of your belongings or property from many types of risk. These perils can include (but are not limited to) fire, lightning, tornado, windstorm, rain, hail, or water damage. Explosion, riot, civil commotion, business interruption, loss of rents, glass breakage, or damage from aircraft or vehicles are also covered. Casualty provides liability coverage that protects you in an accident when you’re found legally responsible. This policy covers another person’s injuries and damage to their belongings.

What is umbrella insurance?

Umbrella insurance provides you extra liability coverage to help cover you against being underinsured when that accident happens. You’ll get significantly more liability coverage when you need it most and at a low cost. That’s why a personal umbrella policy gives you peace of mind that you won’t lose your life savings. So, although most Property and Casualty policies include liability coverage, the limits could fall short of covering all your assets.

What kind of insurance policy should a driver use after a car accident?

Deciding on which insurance (health versus car) to use after a car accident is a great question. In fact, these two types of coverage do have similarities. For example, they are both required by law. They involve private industries and are both regulated at the state level and federal level. Options for coverage and policy procedures are also similar. One form of coverage, PIP or Personal Injury Protection, reimburses you for medical bills and lost wages following an accident. With this type of coverage, you don’t need to prove who was at fault and can receive a faster reimbursement. With other car policies, you would need to prove you were not at fault.

What is No-Pay, No-Play Insurance?

No-Pay, No-Play Laws are state laws that prohibit uninsured drivers from collecting certain damages from “negligent insured drivers.” The idea is, that drivers who don’t buy insurance should not benefit from someone else who responsibly purchases insurance.

What is Property Protection Insurance (PPI)?

Property Protection Insurance or PPI is required in the state of Michigan for car owners. It is a type of liability protection that provides up to $1 million of coverage. This coverage helps with expenses should you and your vehicle accidentally cause damage to another Michigan resident’s property while in Michigan. If you damage someone’s property outside of Michigan, costs would then be covered by your liability property damage coverage.

What is permissive use car insurance?

Permissive use in car insurance means that you allow someone to drive your car who is not listed on your policy by name or category (such as ‘household member’). If you allow a friend to borrow your car, that is permissive use. You have given your friend your permission to use your car. However, not all automobile insurance policies cover permissive use. Some policies that cover permissive use might provide limited coverage or have higher deductibles for a permissive user’s insurance claim. In most states, your car insurance does not automatically cover every traffic accident that your vehicle is involved in. Typically, the driver must be either specifically listed by name on the automobile insurance policy, listed by category on the policy (i.e., household member), or otherwise fall under the category of a permissive user.

What is agreed value vs stated value insurance?

Stated value allows you to insure your vehicle for less than it’s worth to get a lower premium. The stated value is a dollar amount that was ‘stated’ by the client as the value of the vehicle. Agreed value sets the maximum coverage at the predetermined agreed-upon number. Stated value covers whichever is lower between the stated value, and the actual cash value. The actual cash value is the cost to replace the item and is sometimes called the market value.

What is CPI or Collateral Protection Insurance?

CPI or collateral protection insurance is lender-placed coverage that is forced when a borrower fails to adequately insure their vehicle. The lender will enforce their own coverage in order to protect the vehicle since they technically own the car. Collateral protection covers the lender’s loan balance should there be a loss of collateral if not insured.

What is Gap Insurance?

Gap insurance covers accidents resulting in severe damage or a totaled vehicle. But it doesn’t cover the entire costs of such an accident. It actually covers the difference between what your car is worth and the balance you owe on your car. Your standard policy typically covers what your car is worth. But in the early years of your car loan, the loan balance may exceed your vehicle’s market value. This is especially true if you put down a small deposit on your car. It is also required by finance and leasing companies.

What is the difference between comprehensive and collision auto insurance coverage?

The difference between comprehensive and collision insurance relates to how the damage was caused to your vehicle. Both coverages, however, only provide physical coverage to your car. Comprehensive insurance will pay expenses for damage caused by vandalism, hail, theft etc. when damage is not related to a collision. Collision coverage helps pay for damages to your car due to a covered accident that involves colliding with another vehicle or object. Most insurance companies consider hitting an animal as a comprehensive claim and not collision.

How do I shop for online car insurance?

What’s the best way to compare auto insurance rates?

First, take into consideration your personal situation. Determine what your needs are before you shop. Get quotes from reputable companies and review what they are offering.
Shopping online to compare companies and rates will save you a lot of time. A good website source will provide you with instant quotes from at least three major carriers, each of which may consider driving records differently.

As you compare quotes, remember that price should not be the only determining factor. Many auto policies include extra features and will give their best quote to attract more customers. Check what each company provides in additional services and any exclusions. The best insurance quote may not necessarily be the best deal for your needs.
Finally, your age can impact your rates. Teen drivers, for example, have some of the highest auto coverage rates. However, other age ranges can also affect rates.

How do I find the best car insurance rates online?

Finding the best rates for auto insurance is easier online. You’ll want to compare rates from several different carriers. These companies can include Geico, Allstate, Progressive, and State Farm, and regional carriers.

Online agents like 5 Minute Insure will help you quickly compare rates from various companies to get you an excellent rate. You just enter your zip code to get started.

How can I compare auto insurance rates and companies online?

Comparing auto insurance quotes and companies on the internet can be a quick and easy process. Results are typically provided in minutes with little effort. A good online agent, like 5 Minute Insure, will provide a variety of reputable companies and great rates. You’ll save time and do your best shopping while yielding the best results.

Is it possible to purchase car insurance online?

Buying insurance online is just as easy as purchasing anything else on the internet. Similar to other types of e-commerce, you can shop and compare carrier offerings and rates within just a few clicks.

You can easily explore all options available online while saving you precious time and money. Make an informed decision by filtering in the features you want and filtering out the ones you don’t. For example, do you want full coverage, gap insurance, collision coverage, and / or coverage for medical expenses? Offerings from major carriers and smaller local insurers allow you the opportunity to find the best deal for your needs.

Can anyone buy auto insurance online?

You will find that the majority of insurance carriers offer quotes over the internet. However, some companies may require you to connect with an agent before finalizing your purchase. On the other hand, some carriers will allow you to complete the buying process online.

Are car insurance rates cheaper online?

Whether you’re buying insurance for your car online or through an agent, neither method guarantees you’ll get cheaper rates. The key is to shop around, get quotes, and compare rates from different companies. You can do this easily while on the web or have an agent shop around for you.

In addition, your rates can go up or down over time. By shopping around, you can ensure getting the best rates.

How many drivers can I cover if I buy my car insurance online?

Multiple drivers can be named on your policy provided they have a valid driver’s license. Drivers who reside at your home and/or regularly use your car should be listed on your auto policy.

What if I have unique needs, can I still buy insurance online?

Insurance that covers antique or classic cars is available online for cars that are at least 25-30 years old. This type of coverage also extends to high-value vehicles such as hot rods and muscle cars. Although a standard policy provides basic protection, coverage is unlikely going to pay the car’s full value if damaged.

What's the best way to buy car insurance online?

Is it smart to look for auto insurance online?

Shopping online for auto insurance has many benefits including saving time and money, and ease of use. This new way to shop and compare car insurance quotes brings together many reputable companies and independent agents who want your business. Good websites provide customers with the power of competition with fast quotes within a few clicks.

You should also take advantage of customer reviews to explore any complaints as well as customer satisfaction with the insurer's customer service.

How do I know I’m getting the best auto insurance rates online?

To benefit from the best rates in car insurance, compare rates by getting quotes from different carriers. It’s a good idea to compare rates every three years to be sure you get the rate you deserve.

Are the online auto insurance rates more expensive?

Whether you buy insurance online or through an agent, the goal is to get you the best rates available. Both provide a way to shop around and compare quotes from a variety of companies. Neither of these options, however, guarantee a cheaper result.

The internet option skips the middle-man and allows consumers to directly hear from carriers, eliminating any miscommunication. 5 Minute Insure gives you the best of both worlds with highly-rated carriers and agents to assist you in finding the right auto insurance company.

What is the best website to shop for car insurance?

We highly recommend 5 Minute Insure for your auto insurance needs. We provide you with quotes from highly reputable companies within minutes.

Visit us at https://5minuteinsure.com/

Will I have to go in person to an office if I decide to buy online car insurance?

If you decide to buy auto insurance online, there is no need to go into an office. In the majority of cases, everything required is typically handled over the internet and documents can be sent electronically.

How does buying car insurance online work?

Is it hard to buy car insurance online?

Buying online is an easy and simple process. For the best outcome, buyers should research various insurers, their coverages, and rates before purchasing.

Ultimately, buying on a website or through an agent depends on your particular needs and insurance knowledge. As with all purchases, whether online or in person, read the small print and ask questions if something is unclear.

How long does it take to buy car insurance online?

Some auto insurance companies say you can purchase a policy within 10-15 minutes. Using new technology that minimizes data entry, it’s possible to compare quotes and purchase a policy in under 5 minutes. Seeing quotes online will allow you to go through the process at your own speed without the pressure to buy. This allows you time to carefully compare your options.

How secure is it to buy auto insurance online?

Most insurers have their own secure websites, which makes buying online safe and secure. These websites allow you to buy a policy, make payments, and change your coverages.

Online shopping also provides an easy way to research a company and check their reviews and other relevant information. Buying virtually may prove to be a safer alternative than physically going in person to meet or buy a policy. In addition, computer logic helps make your experience easier by doing most of the work for you.

How soon will my car be covered if I buy auto insurance online?

When purchasing auto insurance online, coverage may begin immediately when the policy is bound (purchased).

How much time do you have to get insurance on a new car?

The coverage on a vehicle you trade-in can be extended to your new vehicle in “good faith.” This policy will let you drive your new car home and call your insurer quickly thereafter. The timeframe will vary by your current insurance company. If a grace period is offered, it may be as little as 2 days but not more than 30 days.

If you’re buying your first car and don’t have insurance, you’re required to buy coverage before driving your car. It’s illegal to drive an uninsured car, and proof of insurance is required in almost every state. The consequences can be severe for driving or being involved in an accident without proper coverage.

Can I get proof of coverage if I purchase online car insurance?

Yes. There are three common ways to display your insurance card.

1) Mailed ID card from your insurance company.
2) A printed copy of the ID card received from your company or agent.
3) Companies are increasingly providing apps that allow you to instantly access your insurance card. This makes it possible for drivers to get proof of coverage right from their smartphones. In 49 states and the District of Columbia, you can show a digital version of your insurance on a mobile device if required by police at a traffic stop.

In New Mexico, police don’t have to accept electronic proof of auto liability coverage. It’s the only state where, when you’re pulled over, you need more than a digital insurance card to show that you satisfy the required liability limits.

How long does it take to get my policy?

Most carriers will give you the option to receive policy documents via email within hours of binding your policy. If you choose to receive all documents by mail, it may take up to two weeks or longer.

What kind of vehicle does car insurance usually cover?

Any vehicle legally registered for the road including cars, vans, SUV trucks, RVs, and trailers can obtain coverage.

How many cars will my car insurance cover if I buy online?

Your policy will cover all of the vehicles you own provided they are properly listed on the policy.

Can I bind my car insurance policy online?

Yes, you can bind your policy online with an available agent. However, you may be required to provide a down payment.

Can I talk to a licensed insurance agent if I buy auto insurance online?

Many websites provide the option to speak with an agent through live chat. You can also have an agent call you at your convenience. Should you want to verify the agent’s license, each state has a website that provides verification of all licensed agents in that state.

Can I switch insurance companies in the middle of a policy term?

Yes. You can change insurance companies anytime. You can switch carriers in middle of your policy term, at the end of your term or even two days into your term. If you already paid for future coverage, you would receive a refund from the date of cancellation. Often times, when your current policy is expiring in a few days, you'll set the new coverage to start in the future. This simplifies the need to wait for a refund from the previous carrier.

If you have an open insurance claim, your current carrier will still be responsible when your switch companies.

What is required to buy car insurance online?

What will I need to buy vehicle insurance online?

There are a few things you should have available to buy car insurance online. Regarding your car, you need to provide the year, make and model of the vehicle to be covered.
Getting a quote on your vehicle will also require the VIN (vehicle identification number). Other information includes your vehicle’s insurance coverage history. Some carriers require at least six months of previous, continuous coverage before policy issuance.

You will need to provide the name and address, driver’s license numbers, and date of birth of all drivers. In addition, you will be required to provide marital status and living situation. If your other drivers on the policy will be included on your policy, you will need their information as well.
Using artificial intelligence, comparison site 5 Minute Insure will automatically populate most car and driver information associated with your address. This includes the VIN, make, model, year, driver name, license number, and more.

Any motorist listed on your policy will also require information regarding their recent driving history. This includes citations, accidents, insurance claims, and/or any completed driving courses within the last several years.

Will I have to upload documents to purchase online car insurance?

Whether you get a quote by phone or online, there may be times you’ll need to provide a particular document to begin coverage. Most companies will accept documents that are emailed or uploaded via the internet.

Having a smartphone that can take high-quality pictures will sometimes be adequate to provide a required document.

Can I buy car insurance online for a new vehicle?

Yes. If you already have an insurance policy, you should contact your current insurer. You will need to provide the VIN number and pay for any policy price difference. You can likely electronically sign the paperwork and update your policy over the phone or online.

If you are purchasing a new policy, you can compare a quote and purchase insurance online.
In most instances, you will be sent proof of insurance for your new vehicle and drive your new car home.

What steps are involved when buying car insurance online?

1) Find a reputable insurance company that allows you to quote and purchase a policy online. For the best results, you want to find a reputable comparison website that will simultaneously shop multiple companies.

2) Have your driver’s license, list of other drivers, and vehicle information ready. You will also need to provide your vehicle’s VIN (Vehicle Identification Number) in addition to the make, model, and year. Some comparison websites use advanced technology that automatically populates most of the required info outlined above.

3) You will also need to provide details about the number of miles you drive annually and primary use of the vehicle. You may also be asked questions to let insurers know if you qualify for any applicable discounts. These discounts will get you the best rates for your specific situation. Questions could include your occupation, if your car is equipped with safety or anti-theft devices, etc.

Have information ready on the approximate dates of previous accidents and claims that occurred in the last five years. Every auto insurance company will review your driving history report (MVR), from your state. They will update your final quote based on your driver history report. When you enter any ticket, accident or claims info upfront, you will get the most accurate quote comparison.

4) You’ll be asked to choose liability limits, coverages, and deductibles. These selections are designed to help meet your individual needs.

5) Now, you’re ready to compare your car insurance rates from different carriers. Choose the option that suits you best and purchase your new auto insurance policy.

Will I need to pay car insurance all at once if I buy it online?

Usually not. Most insurers will let you choose different payment plans. Payment frequency ranges from monthly payments to full premium paid upfront.

The most popular payment frequency for auto insurance is monthly payments. Some clients prefer to pay the full premium upfront as it can provide a discount up to 20%.

When premium is paid in installments, you will commonly find an installment fee as part of your premium. This installment fee may be higher when paying with credit card than when paying by electronic check.

Can I make payments for my auto insurance if I purchase it online?

Yes, when purchasing insurance online, you can set up to pay your full premium or premium installments online.

Misc

Can you get your vehicle out of impound without insurance?

No. In order to release an impounded car, you will need to show the required documents. Such documents include your vehicle’s VIN number, your driver’s license, and proof of auto insurance. Unfortunately, if you don’t have active coverage on your vehicle, it will be very difficult to retrieve your car.

Does a failed auto inspection affect your car insurance?

Since a failed auto inspection ticket is not a moving violation, it will not generally affect your coverage. However, check your policy to see if you’re required to pass the inspection in order to maintain coverage. If you have an invalid inspection certificate, you could have difficulties when trying to file a claim. Check your state’s auto insurance requirements. A general vehicle inspection is required by most states and requires coverage to pass the inspection. Many insurance discounts are based on these state inspections. You should provide your vehicle inspection certificate to your carrier to secure any available discounts.

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