An auto insurance app can make the process of getting and paying for car insurance a breeze. The best ones offer a lot of features and are easy to use.
Some auto insurance apps monitor driving habits to help drivers earn discounts. These apps use smartphone sensors to build a driver’s profile and assess their risks.
Get a free quote
An auto insurance app can help you get a free quote from several car insurance companies at once. Insurers evaluate your driving record, location and other factors to determine how much they will charge you for car insurance.
If you’re a high-risk driver, finding a policy may be challenging, especially if you have a history of speeding tickets or accidents. However, there are agencies that specialize in helping high-risk drivers find affordable car insurance.
You can get a free quote online by filling out a form on the company’s website or by calling an agent. You can also use a comparison website like NerdWallet to compare prices from multiple insurers.
A few of these websites allow you to choose your coverage level before submitting your information, which can be helpful when getting a quote. Insurify, for example, asks for a few questions before offering quotes from top insurance companies.
File a claim
If you’re in a car accident, it’s important to file a claim as soon as possible. This way, your insurer will be able to process your claim quickly and fairly.
A lot of auto insurance companies have an app that makes it easy to start a claim right away. It can also help you upload photos and documents directly from your phone.
According to Deniz Cultu, a partner in the insurance practice at consulting firm McKinsey, this can help you communicate more efficiently with your insurer throughout the process of filing your claim. It’s also a good way to track the status of your claim, as well as provide you with updates on how it’s going.
Insurers also use apps to track your driving habits and earn you discounts on your insurance rate. These programs aren’t required, but you can opt-out of them at any time if you no longer want to participate.
Get roadside assistance
Having a car breakdown is no joke, and it can cost you hundreds of dollars in out-of-pocket expenses. However, having roadside assistance on hand can make a huge difference when you’re stuck in the middle of nowhere.
Luckily, it’s fairly simple to get roadside assistance from an auto insurance app. All you have to do is download a free app and activate it when you’re on the road.
Some companies offer pay-per-use roadside assistance that you can use at any time, and others provide it as part of an insurance policy or membership program. You’ll want to find the roadside assistance plan that best fits your lifestyle.
While a roadside assistance plan might seem like a lot of money, it’s worth the price for peace of mind. Some plans also include extra benefits such as identity theft monitoring, travel discounts and vehicle inspections. These perks may be worth the price, especially if you’re a frequent driver or take long road trips.
Get a discount
You can save on your insurance costs by using an auto insurance app. The savings vary by insurer and are based on driving behavior.
Many insurance companies offer discounts for safe driving habits, such as avoiding speeding and hard braking. However, some insurers may raise your rates if you don’t maintain safe driving requirements.
State Farm offers a discount for signing up to its Drive Safe and Save program. This telematics app tracks your driving behavior and could help you land up to 30% off your premium.
Nationwide also offers a discount to customers who participate in its SmartRide program. It uses a dongle or smartphone app to track your driving behaviors.
The company does not guarantee that using its app will not increase your rates, but it has seen good results. Some drivers have even saved $146 annually.