Reader’s Question:

I am a stewardess, and I am in a rush to get auto insurance right now. Where can I get instant auto insurance? Should I still get insurance even though I would always be away because of my job?

Carla

Atlanta, GA

I hate to break you the news, Carla, but it cannot be an option for you not to have auto insurance in Georgia. It is mandatory for all drivers there to carry a minimum auto insurance coverage of 25/50/25, which actually means $25,000 for injuries per person, $50,000 for injuries for two or more persons and $25,000 to cover property damages. Some drivers attempt to escape these responsibilities, but the Internet makes it impossible not to be detected. The state government can just check your insurance status by looking at it on the Internet. In any case, having no insurance may also prove to be catastrophic for you in the long run even though your occupation makes it impossible for you to often use your car.

What most people who are not permanently based at any one place do is they get the basic auto insurance coverage requirement of the state and just add comprehensive coverage. Usually, collision and comprehensive coverage come hand in hand, but in your case, it should be different. You might not have the need to avail of collision coverage. You need only have comprehensive coverage to pay for any damages not involving collisions, such as fires, earthquakes and car theft, while your vehicle is in storage. But if you are going to leave your vehicle with someone else, like a family or a friend, you might as well of collision coverage.

You can get instant auto insurance on the Internet or at the offices of auto insurance companies there in your area. You should just find a company that comprehends the nature of your job, so that you can rest assured that your coverage shall be sufficient.

Reader’s Question:

Has anyone ever tried using the websites that offer instant auto insurance quotes? I’ve seen them browsing through other websites. Is it easy to buy auto insurance, and is it safe?

Tara

Aurora, CO

Hi, Tara. I’m glad to share that I did purchase my current auto insurance online. Like you, I saw an ad for a website that offers instant auto insurance quotes and decided to try it more out of boredom than anything else. I was pleasantly surprised when they offered me a cheaper auto insurance rate than my current provider. So when renewal time came along, naturally I did more research on the net and eventually landed a great deal through an instant auto insurance quote I got. It really saved me a lot of money and not to mention my time doing the purchase online.

While there have been news of some insurance fraud happening, this shouldn’t put you off altogether. I suggest you browse through several websites before making a purchase. If you are not comfortable purchasing through broker sites, try going to the auto insurance company sites. You should also look for the signs that the websites you go to are secure such as the verisign seal or other seals that signify that the website is safe from hacks or other malware. Try it out first with a company you feel has a strong web presence. I’m betting that once you see how competitive the instant auto insurance they offer are, you’ll be swayed into your first online auto insurance purchase.

Reader’s Question:

I am a very busy person, and I am telling you, I’m so busy that I’m beginning to compare myself to a worker bee. I don’t have the time to go through the normal process of availing auto insurance. How and where can I find instant auto insurance?

Amanda

New York, NY

Most busy people shop for their auto insurances online. It is the fastest, easiest and most comfortable way of getting one. You don’t need to drive to auto insurance offices and talk to agents and discuss their variety of coverage. With just a click of a mouse and the right website for your queries, you get to have everything that you need to avail or renew an insurance policy. There are many auto insurance companies who provide instant auto insurance quotes that you could compare, so you could easily decide the cheapest coverage that suits you. You just need to provide all the necessary information and payment for them to process your auto insurance.

If you are wondering how you can get proof that were already able to able of your new auto insurance coverage, you just have to print the temporary insurance card that they will provide. A few minutes or so, they will send you all the documents for your auto insurance which are also saved in your online account. Some companies snail mail those documents, which you can get in a couple of days, but still you get the printable temporary card. Just make sure you get the right effectivity date that you desire for your auto insurance policy.

It is that easy! Just search then encode necessary information, compare and decide, make payment and print your instant auto insurance online.

Reader’s Question:

My schedule is quite hectic. Where can I get instant auto insurance quotes?

Jim

San Francisco, CA

Auto insurance companies recognize the need to effectively reach out to their busy customers. This is why they take full advantage of the Internet. With information on the products and services now available online (as well as the products and services themselves available for online purchase), busy individuals simply need to browse through company websites. The downside on this is the prevalence of fraudulent online transactions. Obtaining a list of state-approved auto insurance providers from the California Insurance Department is a good way to avoid getting swindled online. This agency is the official insurance regulator for the state of California. With this in hand, you will know which websites to get instant auto insurance quotes from. This also saves you from getting lost in all that virtual clutter and keeps you worry free because you know that you are interacting with a legitimate business entity.

Auto insurance requirements mandated by your state have to be considered when looking for instant auto insurance quotes. California requires its drivers to have liability coverage. This will help you recompense the other driver’s bodily injuries and property damage if you are unfortunate enough to be held responsible for an accident. You may also choose to obtain supplemental coverage (not required by the state) such as Collision and Comprehensive insurance. It is really up to how much your budget can accommodate.