We know your time is valuable, and you don’t want to waste it. All you want to do is find the cheapest rates for the coverage you need. This is why Insurance On The Spot makes buying your car or home insurance policy fast and convenient. Once you have figured out what type of coverage you need and the proper limits, you are ready to buy a policy. You can fill out a free, no-obligation quote in only about four to five minutes, and we will send your custom rate right to your inbox. It’s super fast and easy to get quotes with Insure On The Spot.  

buying insurance on the spot policy

Insurance On The Spot Has Low-Cost Direct Rates 

No need to go to an agency and wait to speak with an agent in person. Most people don’t have time for that. Today, you can buy and pay for your Insurance On The Spot policy online in less than fifteen minutes. You can even print out your identification cards, all online. It’s no secret that the lowest rates are almost always found online. More carriers are offering direct-to-consumer policies and cutting out expensive agents.  

It’s a fact that most drivers want an easier way to compare quotes and buy an auto or home insurance policy online. Thousands of satisfied customers have used the Spot Insurance free comparison tool to save hundreds on auto and homeowners insurance. Enter your zip code and complete a quick online application in under five minutes. See the low-cost rates for yourself.    

What Type of Coverage Should You Get? 

The type of car insurance you decide on depends on multiple things. You might only be able to get state minimum liability coverage, called “bare-bones” coverage, if you are low on funds and own your vehicle in full. On the other hand, you might be leasing an expensive European luxury sedan and need comprehensive coverage with high limits. Your budget will often affect your policy decisions.  

Take your time deciding on the coverage that best suits you. Remember, car insurance protects you financially if you get into an expensive accident. With medical and vehicle repair costs increasing almost yearly, reaching

the highest limits you can afford is a wise choice. Even if you get a liability-only policy, it’s wise to get higher limits than legally required to purchase. Also, if you are a high net worth individual with over $1 million in assets, you should consider getting comprehensive insurance coverage and maybe even an umbrella policy. 

Once you have decided on the coverage type and limit amounts, you’re almost ready to buy your policy. However, it would help if you considered adding on extra optional coverage. This includes: 

  • Gap Insurance
  • Uninsured Motorist Coverage
  • Roadside Assistance

Filling out your Insurance On The Spot Quote Application 

Getting an Insure On The Spot quote only takes five minutes, and you can even use a smartphone or internet-connected device. You will need a few basic things to complete the application. This includes: 

  • Your name, age, and home address
  • Your Drivers License
  • Additional Drivers name, age, and address
  • The vehicle being insured, including model type and VIN
  • Social Security Number
  • Current Insurer
  • How Many Miles per Month You Drive 
  • How Many Accidents have you been in previously 

Once your profile is created, you may qualify for discounts which can save you big bucks. The Insurance On The Spot quote form will analyze your profile and determine which discounts you are eligible for. Check to see what discounts you cna get right now.  

Review and Compare Online Insurance Quotes

Take your time and review each quote and carrier. Select a company you are comfortable with and closely examine the details of each quote. Make sure you read all the fine print in the policy. Once you have filled out your quote, you will be sent multiple quotes via email.  

Some insurers have more extensive upfront deposits and low monthly fees, while others have low deposits and allow the premium to be paid in convenient monthly installments.  

Deciding on a Policy and Payment Options

Now that you have decided on a specific policy, it’s time to buy it. You can use various payment methods to buy an Insurance On The Spot policy. These include: 

  • Check
  • Paypal
  • Debit or Credit Card
  • Electronic Funds Transfer (EFT)

You are all set once you have paid your initial deposit or installment payment. You can save your payment information and set up convenient automatic payments, so you don’t need to spend time each month paying your monthly bill. 

Now that you know how easy it is to compare Insurance On The Spot quotes and how to buy a policy online, review quotes for yourself. Just enter your zip code and complete the online application to get started. If you prefer to talk to a licensed agent and get a quote over the phone, agents stand by during regular business hours.  

See how easy it is to save hundreds on your following auto and home insurance policy. Start your complimentary quote and get cheaper insurance coverage today with Insurance On The Spot.