Buying car insurance online can be fast, but getting an accurate online quote requires a little time and preparation. If you’re looking for «instant car insurance,» it helps to know beforehand what information you’ll have to provide and what coverages you might need in a policy.
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According to the Insurance Information Institute (III), some insurers use personal information as factors to determine the price of your auto policy. To help facilitate the instant price quote you’re seeking, you’ll be asked to provide accurate information. The III says the following may be used to help determine your online car insurance quote:
Your address, which may help determine your vehicle’s exposure to certain risks specific to your area.
Your age, which may indicate your level of driving experience.
Your gender, which may help indicate your risk for serious accidents.
Your Social Security number
Your driver’s license number, to ensure you’re a licensed driver.
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INFORMATION ABOUT YOUR VEHICLE
Beyond the basics about yourself, you may be asked to provide details about the car you’re insuring. Some of the additional information that you should have on hand, according to the III, includes:
The make, model and year of the vehicle to be insured
You car’s Vehicle Identification Number (VIN)
Your car’s odometer (mileage) reading
Details on any security features like car alarms or GPS anti-theft devices
Whether your car has safety features like front- and side-impact airbags
If your car has anti-lock brakes
YOUR DRIVING HISTORY
How you use your vehicle — and your driving record — may also factor into your car insurance quote. You might want to gather notes on the following before getting an online quote:
How many miles you drive per year (can be an average). According to the III, the more you drive, the higher your possibility of getting into an accident and paying more for an auto policy.
Details on moving violations and accidents of note that appear on your driving record, according to the III — be prepared to get specific. In most cases, you will be asked to provide dates and details. To be better prepared and to help expedite the quote process,you might find it helpful to order a copy of your driving record from your state’s Department of Motor Vehicles.
THE CAR INSURANCE COVERAGES YOU MAY NEED
What coverages you choose — along with their limits and any deductibles — may directly affect your online car insurance quote. If you’re not sure how much insurance you need, first review your state’s requirements. Here are some of the common coverages you may want to read up on before you start your quote:
If you cause an accident, this coverage may help pay for bodily injury and property damages resulting from the accident.
Learn more about liability coverage.
If you need to repair your car after an accident, this coverage may help pay for damage done to your car.
Learn more about collision coverage.
This coverage may help pay for damage to your vehicle that isn’t from a collision. Covered perils may include things like fire, theft or vandalism.
Learn more about comprehensive coverage.
Medical payments coverage:
This coverage may help pay medical expenses incurred by you or your passengers, regardless of who’s at fault in an accident.
Learn more about medical payments coverage.
Uninsured/underinsured motorist coverage:
If you cross paths with someone who is uninsured or underinsured, this coverage could pay for damage caused by the uninsured/underinsured driver.
Learn more about uninsured/underinsured motorist insurance.
Today’s technology makes it possible for you to get an online car insurance quote from the convenience of your home or your mobile device. Just make sure you understand beforehand what goes into the quoting process — that way the estimate you receive will be as accurate as possible. Have questions? Contact a local agent.
Temporary Car Insurance; who is it for?
We have helped over a million drivers to arrange temporary car insurance for a variety of reasons. Providing you are between the age of 21 and 75, have held a full UK, EU, EEA or a Swiss driving licence for at least the past 12 months and have been resident in the UK during this time, you will be eligible for one of our policies.
You don’t need to worry that our short term car insurance won’t be suitable for your vehicle, as we can cover a whole range of cars of different makes and models with our insurance. Most cars will be eligible for our short term cover, and unlike some insurers we also offer temporary van insurance. This means that, whatever you are driving, you can rest assured that insure4aday.co.uk will be able to cover it.
Why Do I Need Short Term Car Insurance?
Our insurance policies are perfect for a wide range of requirements. Do any of the following apply to you?
Car undergoing a few repairs in the garage? Drive a courtesy car with one day car insurance.
Planning a holiday? Enjoy the freedom of the open road with one week car insurance.
Don’t use your vehicle that often? Insure your car in a more cost-effective way with one month car insurance.
Click for Short Term Car Insurance Quote
The policy provides the legal minimum level of cover in all EU countries. For an additional premium, you can extend your policy to provide comprehensive cover for European travel. You will be able to add the EU cover extension during the purchase process. Your journey must start and end in the UK during the period of insurance cover purchased.
Quick & Easy Temp Motor Insurance
Our temp car insurance is popular with a wide range of motorists, but why should you choose insure4aday.co.uk when you are looking to insure a vehicle for a short period of time? The answer is simple. We have designed our system to enable customers to arrange a policy in just four steps, with no need to enter endless personal details and no hassle.
As well as making arranging short term motor insurance quick and easy, we also provide a few little extras to improve the service that we provide. From temporary car insurance for learner drivers who want to gain some extra practice, to our best price guarantee which helps to ensure that you always get the best value for money, we like to think that we offer a service which puts the customer first.