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Can I get proof of coverage if I buy car insurance online?

The necessity of having vehicle insurance is mandated by state and federal law. The monetary amounts of coverage that you will need are dependent upon your particular state's requirements. You can find out the specifics for your state by contacting your local Department of Motor Vehicles. If you are caught driving or are involved in a collision without proof of coverage, you are liable to be subjected to the penalties of the state you are in. These penalties can range from having to pay fine to the revocation of your driver's license. If you are involved in a collision in which you are found at fault and do have car insurance, you are likely to be involved in costly legal battles as the other parties, and their insurance companies will seek to recoup their financial losses. Because of the possible consequences involved, it is vital that you maintain proof of insurance at all times.  

When seeking to purchase insurance and receive proof of coverage, your first order of business should be to complete a rate comparison. This usually involves you having to fill out a brief questionnaire that contains generalized questions about your personal statistics and the type of vehicle you wish to insure. By utilizing this tool, you can quickly receive a quote on premiums from different insurance providers. You should take the precaution of determining what your state's requirements are first in order to make certain you receive adequate coverage. Once you have received your estimates and compared the various rates, you will need to select a company you would like to do business with. The company will probably require you to fill out a more detailed survey of your personal characteristics and your vehicle. While you may be asked to enter certain personal information (i.e. your driver's license number), this is necessary for the insurance company to verify the accuracy of your entered information and provide you with the most accurate quote. Other questions you may be asked to answer will be your vehicle identification numbers, license plates, and possibly your social security number.   

After all of the pertinent information has been entered and verified by the car insurance company, the policy can easily be purchased on line. Usually, a company will provide access to their agents online should you need help with any portion of the process. Professional insurance agents can help answer your questions and recommend solutions for your needs. After this, you will be asked to sign your application electronically. This usually involves entering your social security number in lieu of an actual signature. You can charge the purchase of the policy to your credit card or debit card. After you have made your payment, you will receive your proof of coverage by email or the website may provide you with a page you can print off on your printer. This page will be adequate proof of insurance until your insurance cards arrive. The cards will generally arrive by mail three to five business days after the date of purchase.  

 

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