Insurance policies can now be purchased online, eliminating the need for face-to-face meetings with agents. These days, getting auto insurance doesn’t have to take up much of your time.
How long does it take to get auto insurance? What’s the best option for you? All of these questions and more will be answered:
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Finding a Car Insurance Provider on the Web
When it comes to purchasing car insurance, most people prefer to do so via the internet. And it’s clear why. Get a quote and coverage in a matter of minutes with this method.
Many large insurance companies now allow you to purchase your policy over the internet. All you have to do is enter your name and contact information, which makes it a snap. Some questions will ask about the coverage you want, the limits you’re okay with, and the deductible you’re willing to pay.
You will receive a copy of your policy via email after you have agreed to it. You may also have the option of receiving a hard copy in the mail.
You could go from uninsured to insured in as little as 15 minutes.
Getting an online quote has the advantage of allowing you to go through the process at your own pace. You have plenty of time to consider all of your options. An agent will never pressure you into buying something that you don’t want or need.
If you’re already familiar with the ins and outs of insurance and know exactly what coverage you need, this may be the best option for you.
Insuring Yourself on the Go with an App
The ability to purchase insurance on your phone makes sense, given how many things you can do with it, from booking flights to getting Starbucks delivered right to your door.
When it comes to finding out about insurance options, Facebook and comScore found that people are increasingly using their smartphones to do the legwork. Also, 64% of those polled admitted to shopping for car insurance on their smartphones.
At Cover, they’ve developed an app to help you get the coverage you need at the best possible price. Once you download the app from the App Store or Google Play and answer a few questions, you will receive a quote within minutes. For any questions or concerns, you can simply text one of our customer service representatives.
We’ll do the comparison shopping for you and deliver the best quote straight to your phone instead of making you keep track of what you’d pay from each provider. Both in the app and via SMS, you’ll be able to see it.
You can go at your own pace, just like when you buy insurance online. The app includes explanations for any coverage or insurance term that you may be unsure of.
We’re working hard to make insurance less complicated and more understandable. Every detail of your policy is important to us.
Using the Phone to Communicate With an Agent
A policy can be obtained by phone if you prefer not to leave the comfort of your home.
Most insurance companies have a toll-free number you can call if you have any questions. You can find a local agent’s contact information by using the directory. Alternatively, you can find a local branch phone number by entering your zip code on the insurer’s website.
Keep in mind that it will not be as quick as filling out a form. However, you will be able to ask for clarification from an agent right away. Additionally, you’ll save time by not having to travel to the insurance company’s office.
Meeting a Real Estate Agent
Increasingly, it may not make sense for you to go in person to get insurance.
A quote and insurance can take the longest out of all of your options to get. If everything goes as planned, it should only take a little over an hour.
However, this does not rule out the possibility of following this path. While an insurance agent can provide you with a quote from one company, they are only able to show you policies from that company.
As a solution, you can always hire an independent broker or agent who can help you find the best deal for your needs.
However, if spending time with a real person is a priority for you, this is the best option.
Getting auto insurance takes a how much time
It doesn’t matter which method you use to get car insurance; it’s a quick and easy process.
Like health insurance, there isn’t an enrollment window like there is with life insurance, and it won’t take weeks like it does.
Once you’ve agreed to the terms of a policy, you’ll be covered in no time.
In fact, as soon as your payment goes through, you’re covered. A new policy can begin on any day of your choosing, regardless of whether or not you previously had a policy with another company.
It used to be that you had to wait for your insurance card to arrive via postal mail from the company. However, you can now order it digitally and have it delivered to your home, where you can then print it out at your leisure.
If you’re ever pulled over by a police officer, you can now show them a digital copy of your licence on your phone. All you have to do is make sure you have a copy of that card with you at all times while driving.
How to secure an insurance policy
There are steps you can take to ensure a smooth insurance purchase, regardless of how you choose to go about it.
In order to obtain car insurance, you’ll need to have the following details on hand:
- A brief history of your automobile, including the year, model and manufacturer.
- A unique number assigned to a specific vehicle (VIN)
- information on a driver’s licence
- The Social Security number.
If you’re a member of alumni or professional organisation, you might be eligible for a discount. In addition, if you’re enrolled full-time and have a good GPA, you may be eligible for a good student discount.
What’s the best option for you?
As there are several different routes you can take to obtain insurance, you must decide which is most suitable for your needs.
If speed is important to you, getting insurance online or via an app is probably the best option.
However, if you value the time spent with an agent to walk you through the process, you can still get insured by visiting a local insurance office branch.
