Auto Insurance FAQs
We don’t expect you know everything about car insurance. It takes just 2 minutes to get a free quote from Insure on the Spot, but for everything else, from deductibles to claims, explore our FAQ.
None. Nada. Zip. We don’t require any personal information to give you a online quote.
Get my quote now!
It takes about 2 minutes to complete the application. You get the cheapest auto insurance rate, we will compare rates from more than a dozen car insurance companies. We do all the legwork, saving you time and money.
You can visit us any time you like. Just use your e-mail address and password to log in and retrieve your rate quote information. For your convenience, details are saved and updated each time you click on “continue.” For your protection — and to keep you from being annoyed – the information we collect is kept confidential and will never be sold or distributed.
It will be right on the money if you enter your vehicle identification number (VIN). This information is not required to get a quote rate, but is recommended so you’ll get a quote rate that is correct. Click here for a online auto insurance quote.
It usually takes 2 minutes or less for instant online car insurance with our online quoting system. You can buy directly from us, either online or by phone with one of our licensed agents. Coverage is not bound until the insurance company approves and binds the policy. Insure On The Spot is an insurance agency and not the insurance company. If approved, your coverage may not begin until the following day. Remember, you don’t have to wait for your current auto policy to expire to buy a new one. Click here for a cheap auto insurance quote.
The lowest car insurance rate possible! As an independent licensed auto insurance agent, we work with over a dozen online auto insurance companies to find you the lowest rate possible. These are real quote rates, not estimates, and they’re based on the information you provide. It’s like comparing a dozen online web sites at the same time, without clicking a mouse. We do all the work for you! Click here for instant online car insurance.
- Marital status
- Driving record
- Type of vehicle
You will need a driver’s license numbers for everyone who will be listed as a driver, and vehicle identification numbers (VINs) for each vehicle.
Sure. Just save your rate quote/application by clicking on the “save and exit” link. When you come back, select the “retrieve a saved quote” link, and you will be prompted to enter your quote number and password to continue completing your application.
We accept all payment types including Checks, Visa, MasterCard, Discover, and Western Union. We can even take your “Check By Phone” just call 773-202-5060 or stop by one of our seven convenient Office Locations.
No time like the present. Your credit card or bank account will be charged the day you buy auto insurance. Click here car insurance online purchase.
Anyone listed on the title or loan of the vehicle(s) and all household members 15 and older.
Because the owner or co-signer is financially responsible for any accident or damage to persons or property caused by the vehicle. Even if they don’t drive. Or have a license. It doesn’t matter — it’s still on them.
Include anyone who will regularly operate your vehicle(s). Any driver listed on your policy is automatically covered, and you should list all the drivers in your household. It’s not just to avoid hurt feelings, although that’s a plus.
Failure to disclose any driver will result in a surcharge of premium or denial of claim. Any driver who lives in your household and will drive your car on a regular basis must be listed on your policy. Drivers who are not residents of your household are covered if they’re driving your vehicle with your permission.
Yes. If you’re married, your spouse must either be listed as a driver or excluded on the application. How you handle an excluded spouse is up to you.
Only if it’s hot pink. Just kidding. Car insurance rates are color blind – go ahead and get that kandy-kolored tangerine flake streamline baby you’ve got your eye on.
If you’ve had tickets, convictions or accidents for driving under the influence (DUI or DWI) of alcohol, auto insurance companies may think of you as a high-risk driver. Young and inexperienced automobile drivers may also be classified as high-risk drivers. Click here cheap high risk auto insurance.
Your routing numbers can be found on the bottom of your check or deposit slips Starting from right to left, the first block of numbers are your Routing Numbers, the second grouping is your Account Number. The final group is your Check Number (Do Not Use)
Yes, you can start a policy, make a payment or renew your policy all online. Just go to payment options and register on my account.
Lien holder information is on your previous auto insurance documents or on your payment coupons.
Buick, Chevy, Chrysler, Dodge, Ford, GMC Truck, Honda, Hyundai, Jeep, Volkswagon, Kia, Lincoln Mercury, Mitsubishi, Nissan, Pontiac, Scion, Toyota, Subaru, Suzuki and Toyota.
Acura, Hummer, Infinity, Jaguar, Land Rover, Porsche & Saab. We offers cheap auto liability insurance for these cars.
Yes. All drivers in Chicago and Illinois are required to carry auto insurance on any cars that they own. Get a free quote now!
A deductible is the cash you must part with for each claim. The auto insurance carrier picks up whatever your deductible doesn’t cover. Deductible applies only to comprehensive and collision coverage, which means it applies to damage to your vehicle. There is no deductible for damage to another vehicle or for injuries.
Almost all car insurance companies have renewal discounts available to clients who are “loss free” within a specified period of time. Some give renewal discounts after six months, but most offer them after a year. The amount of the discount varies by auto insurance company, but they all put some extra cash where it will do the most good – in your pocket.
You call us, of course. Our car rental reimbursement program pays for auto rental expenses up to $25 per day if you can’t drive your car due to collision, theft or an emergency breakdown. Don’t forget to add this coverage!!!
To file a claim, you must contact your auto insurance provider directly. Many companies provide online claims if you are not sure who that is, please contact our office for the proper information.
Because you’re popular. Well, that and because we often use more then one company to be sure you get the best rates. This is commonly known as “splitting coverage,” and it happens because many insurance companies write only certain coverage, or offer competitive quote rates for certain coverage. Auto Insurance best rates can be huge savings to you, use them wisely.
In Illinois and Indiana, you are required by law to carry at least bodily injury, property damage and uninsured motorist coverage. If you’re financing a vehicle (and who isn’t?) your lender will also require comprehensive and collision coverage. Other auto insurance coverage, such as medical, towing, rental reimbursement, etc., isn’t usually included. You should consult your agent and go over all your coverage and your options so that you fully understand your auto insurance policy.
Unlike agents who represent insurance companies such as State Farm, Nationwide or Allstate, they offer only one company and price, we represents many fine insurance companies as an independent agent. It’s our job to shop and compare for you. And we’re good shoppers. We’re flexible and can handle almost any car insurance problem, giving you options to fit your budget. Get a free quote now!
An exclusion form says that one or more people in your household or the owner/co-signer of the car will not be driving your vehicle. Most likely the excluded person will be your spouse, if he/she is not a licensed driver but qualifies you for the discounted married rate.
A non-business form simply states that you do not use your vehicle for any type of delivery, business, commercial, or artisan-type occupations; that it is not titled or leased to a business, corporation, or partnership; nor is it used to pick up or deliver goods. If you’re a business owner, self-employed, or a tradesperson you’ll be required to sign this form if you’re applying for a personal auto insurance policy.
Call 1-773-202-5060. One of our agents will help you print the documents, or mail/fax a copy to you immediately.
You will be provided with proof of insurance immediately!