As is the case when shopping for any type of insurance, consumers will need the following when looking to purchase instant auto insurance. Personal information, usually including a social security number, is a must. Questions on the purchaser's driving record will also be asked, and should, by law, be answered as truthfully as possible. Information on the vehicle for which the instant auto insurance is being secured will also be needed.

This will generally include basics such as make, model, mileage, age of the vehicle, and VIN number. If the vehicle is not owned outright, instant auto insurance shoppers will need to be aware of any coverage requirements their lender may have. Payment for the instant auto insurance will need to be made online, usually via credit card or direct check. For most companies, this payment will be verified during the actual transaction to prevent a later cancellation of the instant auto insurance for non-payment of premium.

If a consumer wishes to stay with their current insurance provider, but have discovered they do not offer instant auto insurance (for renewals or after changes are made to an existing policy), the consumer should feel free to contact their provider directly. Letting these companies know that the convenience of instant auto insurance is highly desired will help to speed up an inevitable process that is already underway. With society's dependence on the Internet, it is not a matter of IF these other companies will eventually offer instant auto insurance; it is a more a matter of WHEN.