Frequently asked questions
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?
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?
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?
How do I shop for online car insurance?
What’s the best way to compare auto insurance rates?
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?
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?
Is it possible to purchase car insurance online?
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?
Are car insurance rates cheaper online?
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?
What if I have unique needs, can I still buy insurance online?
What's the best way to buy car insurance online?
Is it smart to look for auto insurance online?
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?
Are the online auto insurance rates more expensive?
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?
Visit us at https://5minuteinsure.com/
Will I have to go in person to an office if I decide to buy online car insurance?
How does buying car insurance online work?
Is it hard to buy car insurance online?
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?
How secure is it to buy auto insurance online?
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?
How much time do you have to get insurance on a new car?
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?
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?
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?
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?
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?
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?
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?
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?
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?
Can you get your vehicle out of impound without insurance?
Does a failed auto inspection affect your car insurance?
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