What is online car insurance?
There is no longer a need to bypass car insurance agencies to find good car insurance.
Instant subscription, favorable prices for certain profiles... Online car insurance works well thanks to 100% digital contracts.
A brief definition of online car insurance
Regardless of whether you are driving anywhere, getting a car insurance policy is essential.
This allows you to insure and receive compensation in the event of a car accident, natural disaster, possible material damage, or even more serious physical injury. However, when it comes to car insurance, you can distinguish:
- Traditional car insurance: large insurance companies with a physical agency and employees who can support you immediately.;
- Online car insurance: 100% digital, this car insurance is designed to make drivers more efficient. Sign a car insurance contract, a statement of claim for a car, an application for documents... All actions are carried out online, directly on the website of your car insurance company, or by phone.
Difference between online car insurance offers and online car insurance
Online vehicle insurance is an independent organization that carries out car insurance activities in an immaterial way! He offers you his insurance contracts from three parties, or from all risks, but only on the internet.
There is no agency here. Offering car insurance online is an imitation of your insurance contract, and therefore the amount you will pay monthly and annually! The offer allows you to choose your car insurance in a conscious way.
What is online car insurance?
Some online insurance companies have played a 100% digital card since their inception, offering insurance contracts only online.
Other companies already have a well-established reputation in the insurance industry and have also sought to diversify their activities using online formulas.
How can I quickly secure my car online?
The benefit of comparing car insurance online
Since online car insurance has no physical agencies, it can be difficult to get a general idea of the services available in the market.
Using an insurance comparison tool, it is therefore very easy to get a global view of the market players and especially about their prices thanks to searchable Auto Insurance Quotes!
As a driver, all you have to do is choose your car insurance at the best rates, individually and online!
Instant online car insurance
Thanks to online modeling, digital car insurance quotes will be presented to you in comparison. Thus, you can quickly conclude a contract for the protection of your car, fully knowing the facts.
1. Step one: complete the online form
The model will create a contract simulation based on information about the driver and his car, namely:
- Profile of the insured (age, date of obtaining a permit, place of residence, etc.);
- Driving history (bonus-Apple coefficient, responsible claims, traffic violations, etc.);
- vehicle use (annual mileage, parking mode, etc.).).
- the vehicle to be insured (brand, date, and value of purchase, power, etc.).);
This information allows the calculation of specially designed insurance rates based on the services offered by car insurance companies online.
2. Step two: you are provided with a car insurance offer(s).
3. Step three: continue the process with the insurance company that convinced you
After evaluating the offer, the future insured can choose to be contacted by the required insurance company for more information or terminate the contract directly on the insurance company's website.
All information about you and your car is entered in the comparison form and then sent to the insurance company so that the insured can quickly benefit from the coverage of his choice, without any surprises in terms of price (in the event of an error in the form, the price may vary at the output of the contract).
Even if he has at his disposal all the information necessary to create a contract, the insurer may additionally ask you:
- Copy of your vehicle registration document;
- Copy of your driver's license;
- Your information statement, if you have already been insured in the past.
After this step, you will definitely be asked for a down payment, an amount equivalent to one or two months of the contribution!
Then, you will receive a temporary green card by e-mail with a validity of thirty days. You are, therefore, after this process of instant auto insurance, the owner of the contract!
When the file is fully completed, you will be notified by email and the final green card will be sent to you.
What are the benefits of online car insurance?
Online car insurance: is it cheaper than traditional insurance?
Often, yes! As for the formula and equivalent guarantees, online car insurance in most cases will be more attractive to you than regular insurance.
It is easy to explain: without physical agencies, the costs associated with the management of buildings and their personnel disappear. Only the cost of the contract and your profile are taken into account.
Online car insurance: the right plan for certain profiles?
By offering only non-material services, some online car insurance companies are able to specialize in certain types of contracts, profiles, or offers.
In other words, access to insurance formulas has become more flexible for a larger audience of drivers, "good" drivers are not the only ones involved.
Drivers with a high penalty or whose contract has been terminated (excessive claims, non-payment, etc.).) Can turn to one of these insurers to take advantage of offers and options adapted to their profile, considered" at-risk " by traditional insurers.
In the same way, young drivers can expect higher compensation than a traditional insurance company by taking advantage of their offers. This eases the bill for the first years of driving.
Online insurance companies offer specific offers for certain types of drivers. This is the case, for example, with temporary car insurance, to cover the car for a short time, or the type of offer "pay how you drive", which offers a rate adjusted according to the quality of driving the car. Guaranteed.
Direct subscription and equivalent guarantees: advantages of online car insurance
Since they offer completely immaterial services, online car insurance usually offers more flexible services than traditional insurance companies, including:
- Subscription is possible directly online or by phone. Once the offer is made, you can send the required documents directly via email, which will speed up the sign-up process.;
- Instant subscription in case of purchase of a new car. It is enough for the insured person to contact the insurance company via the internet before sitting behind the wheel, and receive insurance coverage from the first minute of using his car;
- With car warranties and equivalent options, online car insurance usually offers better rates than traditional insurance companies for certain specific profiles.
What is the best online car insurance?
Which formula is right for me?
As with traditional car insurance, you have a choice between different formulas, including specific car warranties according to your driver's profile! It's up to you to decide which one is best suited for your situation:
Third-party insurance: which mainly includes civil liability insurance. Thus, it applies to claims that you can make to a third party as a result of a car accident.
Third-party insurance includes a "driver protection" guarantee designed to cover your personal injuries if you are the victim of an accident, as well as useful "legal protection" in case of dispute or litigation;
Third-party insurance plus insurance: this is average insurance that includes more guarantees for the car than insurance from third parties. In particular, this concerns the problems of car theft or fire.
You can also customize this car insurance formula by adding the broken glass option (useful if the windshield is damaged by vandals) or even help in case of breakdown (direct intervention of a professional in case of breakdown, getting a new car).;
All-risk insurance: this is the most expensive formula because it is the most comprehensive for drivers. To civil liability add coverage of bodily injury and material damage and this, even in the case of liability for a disaster.
Is it easy to cancel car insurance online?
First of all, know that there is no withdrawal period for online car insurance! If the traditional insurance company has 15 days, the online vehicle insurance company does not.
In other words, if you quickly change your mind about the format in which you subscribed, you should check the conditions in advance. Do not forget to ask your insurance company if you called before starting a subscription.
Your insurance company should definitely warn you about the possibility of terminating your contract near the anniversary of your contract: a notice of one or two months, depending on the general conditions of your subscription.
However, if your contract is valid for more than 12 months, you can change your car insurance at any time.
In any case, you will need to send a registered letter confirming the receipt to your insurance company with the following:
- Your wish ;
- Your exact recommendations;
- Date of conclusion of the contract.
