Buying auto insurance online is easy and fast.
Before you jump into an instant car insurance purchase, though, you need a checklist.
Most of us use a checklist for everything, from going to the grocery store to making sure all the bills are paid at the end of the month.
Those lists are simple, because we know what to look for as we start writing.
Making an Internet vehicle insurance policy purchase is a little different, and you need to have some idea what to put down on your list.
Here's an Instant Car Insurance Checklist: * Does the insurance company give a discount for a good driving record? * How about good credit discounts? * Is the auto insurance company a "Direct Provider" or will they pass you off to a local agent, sometimes wasting your valuable time as you may have to start the information process again with a local agent.
That's sure not instant car insurance! *Have you checked with your states insurance coverage requirements? For instance, if you've moved recently, your new state may have different policy requirements.
*Pull out your current policy and see what your coverages are.
If the kids have left the nest recently, you may not need some of the coverages or deductibles you had.
*Here's an important point for your auto insurance checklist.
Do you own multiple vehicles and what kind of rate discounts would be available.
* Did you just purchase a new auto? Instant car insurance in this case is a must, as you want to at least get a quick binder, to comply with state law and in case of accident.
*If you own a business and have a commercial vehicle insurance policy, would there be a discount for bringing your personal car insurance to the new company? There are many questions like this to consider when buying auto insurance online.
Instant car insurance is very convenient, but don't get in too big a hurry.
Make that checklist before you start!