Same Day Coverage: How To Buy Auto Insurance Online Instantly

If you need to buy auto insurance online instantly, you're likely not one to mess around. Luckily, many auto insurance companies have moved online, allowing everyday people to buy auto insurance online instantly now. If you're looking for the average cost of car insurance, the Insurance Information Institute listed the average price for auto insurance as $1,000 for the entire year of 2018.

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Sara Routhier, Managing Editor and Outreach Director, has professional experience as an educator, SEO specialist, and content marketer. She has over five years of experience in the insurance industry. As a researcher, data nerd, writer, and editor she strives to curate educational, enlightening articles that provide you with the must-know facts and best-kept secrets within the overwhelming world o...

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Cynthia Lanctot is an insurance professional with ten years of industry experience. Cynthia is licensed in several states, and holds an associate in claims law, as well as a bachelor’s degree in English. Cynthia’s experience includes the New England and Northeast states. She currently works as a liability claims professional and an occasional online contributor.

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Reviewed by Cynthia Lanctot
Licensed Agent

UPDATED: Dec 21, 2021

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It’s all about you. We want to help you make the right coverage choices.

Advertiser Disclosure: We strive to help you make confident auto insurance decisions. Comparison shopping should be easy. We are not affiliated with any one auto insurance provider and cannot guarantee quotes from any single provider. Our auto insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different auto insurance companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.

Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.

A Concise Overview

  • Many bigger auto insurance companies now offer online applications
  • You should be aware of what coverage you need since you won’t have an agent to talk to
  • There are options to save that you can find online

There are many ways you can buy auto insurance online instantly. If you’re looking to compare auto insurance coverages, consider starting with liability and working up from there. Many auto insurers have adapted to allow applications online, so you shouldn’t have any problem starting.

If you need to buy auto insurance online instantly, enter your ZIP code into our free quote tool above to get your quote today.

Can I purchase auto insurance online?

Can you purchase auto insurance online? If you want to know how to buy insurance online, consider visiting the website of an insurer you like. Most of the more prominent insurance companies have a way for you to buy auto insurance online.

Many of the top auto insurance companies will guide you on purchasing auto insurance online through their customer portals.

When you apply for a new auto insurance policy online, you’ll need to provide a lot of the same information you would when you would apply in person. So make sure when you go online to apply, you have:

  • Your vehicle’s VIN, make, and model
  • Your address and contact information
  • Personal identification like an ID, SSN, or ITIN

If you’ve got this on hand, you’ll be better prepared to provide the information when the site asks for it. After you tell the insurer more about yourself and your vehicle, you’ll be asked to choose what kind of coverage you want to buy.

There are many types of auto insurance coverage, but the most important is liability. Liability coverage is required in most states and prevents you from having to pay for injuries or legal costs in case of an accident from your vehicle.

Outside of liability, there are many other options to choose from, each providing different kinds of event coverage. Some of these choices include:

  • Collision – Provides coverage for your vehicle when you’re in an accident
  • Comprehensive – Covers any damages from no-fault accidents like inclement weather, fire, theft, or vandalism
  • Uninsured and Underinsured – If you’re in an accident and the other person doesn’t have insurance or too little, this will help pay for medical bills and additional costs

The policy options you’ll find at each insurer will vary, as will the price. Therefore, it’s best to compare multiple insurance companies to see what’s best for you before diving into a policy.

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Where can I buy auto insurance online instantly?

Can I purchase auto insurance online instantly? Yes, many auto insurance companies have automated the underwriting and application process.

If you are wondering how to purchase insurance online, you should start by checking out:

  • Nationwide
  • State Farm
  • Progressive

If these companies don’t have the policy you’re looking for, then there are other insurers out there who sell insurance online.

What should I be careful of when buying insurance online?

When you’re applying online for auto insurance, you’re not going to be able to get the same immediate answers you would expect from an agent. To help with this, you should know how to save money using the company’s methods.

For example, see if you qualify for occupational and social discounts the insurer offers, such as education, military, and senior discounts. Another option to save would be to increase the deductible.

If you’re confused or unsure at any point during your process, consider calling the customer service line and speaking with an agent. You may even find more ways to save or additional policy options you never expected.

What will determine an online insurance quote’s cost?

Your insurance company will always be, first and foremost, a private business. Its goal is to make more off your insurance policy than it will have to spend paying for repairs or replacing your vehicle.

So, when you apply for a policy, an insurer will evaluate the level of risk they’ll have to pay out on an insurance policy. The way they determine this comes from a process called underwriting.

How do insurance companies determine your rates?

During the underwriting process, be it online or in person, your insurer will evaluate several factors in your life to determine the risk you’ll file a claim during the life of the policy. So naturally, the higher the risk, the more you’ll have to pay for insurance coverage.

When an auto insurance company is underwriting you, they’ll take a look at your:

  • Vehicle’s Make and Model – If your car has more minor safety features or has a higher chance of theft, it will cost more to insure.
  • Driving Record – If you have a history of accidents or tickets, your insurance company may charge more as well.
  • Credit History – Because you’ll be paying into a policy, the insurer will want to make sure you can meet the commitment.

Some actions may cause you to not get auto insurance at all. This can include too many claims or multiple DUIs. These actions will stay on your record for around three to five years.

How can I save on auto insurance rates?

According to the Insurance Information Institute, there are several ways that you can save on your auto insurance rates. If you’re worried about paying too much for auto insurance, consider some of the following ways you can save on auto insurance:

  • Raise your deductible – If you increase how much you pay before your insurer starts paying, you’ll pay less in rates each month.
  • Reduce insurance – If you have comprehensive car insurance on a vehicle that has heavily depreciated, it may not be worth what you’re putting in each year.
  • Bundle insurance – If you are a customer at a more prominent insurer, consider bundling your insurance with other products to get a discount.
  • Shop around – If you can’t find a way to get lower rates at your current insurer, consider looking for options at other insurers.

Some high-risk individuals may have a more challenging time getting lower rates until those high-risk events expire off their record. That being said, raising the deductible may help lower the costs a little bit.

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How can I find the best companies for cheap auto insurance online?

With all the trust you’re placing in an insurer, you should find someone who you know will treat you right. To this end, many professional services keep an eye on private industries to ensure they don’t abuse their customers.

If your concerns have more to do with the people you’ll interact with, you’ll want to check with the people at the Better Business Bureau (BBB) and J.D. Power. These services consult with customers and other records to determine their ratings.

The Better Business Bureau is about keeping track of official complaints and getting customer feedback. J.D. Power will send surveys to active customers of a business to get an idea of its’ quality in several areas, including customer service and value.

How can I find out an insurance company’s financial status?

When you sign up with an auto insurance company, you should ensure that they have the financial means to payout. Professional rating services use public records and the insurer’s reports to estimate their credit rating.

Some of these services include:

  • AM Best
  • Moody’s
  • Standard & Poor’s

Each of these companies has its rating scale, but they all work as dedicated watchdogs of the insurance industry.

Buying Insurance Online: The Bottom Line

The good news is that you can buy auto insurance online from various insurers. You should be careful and knowledgeable as you won’t get the same answers as speaking with an agent. If you’re unsure, there are options to determine if an insurer is good enough for you.

If you’re looking for quotes and to buy auto insurance online instantly, enter your ZIP code into our free quote tool below today.

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