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Frequently asked questions

FAQ

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    How do I shop for online car insurance?

    • 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?
    • Is it working?
  • expand_more expand_less

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

    • Is it smart to look for auto insurance 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?
    • Can I talk to a licensed insurance agent if I buy auto insurance online?
  • 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 switch insurance companies in the middle of a policy term?
    • Can I bind my car insurance policy online?
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    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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How do I shop for online car insurance?

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.

Is it working?

Let's see

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.

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.

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.

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 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.

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.

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.

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Still have questions

If you cannot find the answer to your question in our FAQ, you can always use our online chat and a licensed insurance agent will help you out