How to Make a Car Insurance App?

But as for now - let’s imagine a Car Insurance company, which has the aim to increase the level of service, brand loyalty, reach out to the mobile audience - and as a result, increase the yearly income per client. Which features should the app for such a car insurance company have? Here’s how we see it at Stormotion!
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📱 Features of an Auto Insurance App: Your Top 7 List

During car insurance app development it’s necessary to keep the balance:

• your application should meet the expectations of users, improve the way you deliver services to them, work smoothly and has a nice UI;
• at the same time, it’s better to start with a Minimum Viable Product (MVP) and develop gradually, so you don’t waste your time and resources.

Let’s take a closer look at the features of an auto insurance app MVP!
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# 1: Vehicle Information Screen 🚙

Quite obvious, that before user buys the insurance, they have to provide some details about his car. The typical workflow is to offer him to fill in some information about his car: year, make and model. Forget about the paperwork!

However, even such a standard and kind of boring procedure can improve the quality of your services as you develop an app for a car insurance company. Let the UK-based Cuvva car insurance application inspire you!

From the development perspective, there are several solutions that your Tech Partner can implement:

1. Create a chat (don’t confuse it with live support) where users will be able to file a claim in real-time.
2. Another solution is to integrate claim processing into the live support chat. It will eliminate the need to create a separate screen and simplify the navigation within the app.
3. Finally, we can build a car insurance app with a chatbot that will help to quickly report the accident (just like in the State Farm mobile application).
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# 7: Push Notifications 🔔

We can’t imagine the MVP Product Backlog and the list of features of an auto insurance app without Push Notifications. Why do you need them?

• To keep users informed about how their claim processing is going.
• To encourage them to buy your insurance if they left the app at some stage.
• To remind users to prolong the insurance if their one is going to expire soon.

As you can see, Push Notifications can serve both marketing and service purposes, providing noticeable benefits for your business and customers at the same time.

So, these were the essential features of an auto insurance app that will ensure the basic functionality and should cover the expectations of your audience. However, if your app shows good retention numbers and you managed to get an additional budget from your C-Level , it’s also possible to enhance it with the advanced functionality. Here are several ideas for you!
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👍 Extra Features For Your Mobile Car Insurance App

At Stormotion, we usually think of our clients’ Projects in a long-run perspective. Therefore, we try to plan a few steps ahead, including what features don’t fit the initial scope and have to be delivered in the next releases. Here are our ideas regarding car insurance app development!

For example, already mentioned chatbots are a great example of advanced functionality that can be kept for further releases. Yet, since they are involved in direct interaction with your customers and can greatly improve the UX, we recommend planning it for one of the early post-release updates (or even include it in the MVP Scope).

If you want to develop an app for a car insurance company that will go even beyond users’ expectations, try combining AI algorithms with GPS services and motion sensors. This approach is used in Allstate and Root car insurance applications.

In a few words, the idea behind this nontrivial combination is to analyze driving behavior and provide users with rewards (for example, decreasing the cost of an insurance policy) based on this data. Meeting the criteria of “better driving” usually means:

• Not going above some speed limit (in the Allstate app they have 80 mph which equals about 120-130 kph).
• Limited night-time trips.
• Smooth braking and turns.

Finally, you can enhance your mobile application with different roadside tools. It can include any services that will be useful to the drivers: fuel delivery, tire change, jump start, gas station finder, parking reminder, and so on.

One more thing: your Dev Squad will need some specific technical tools to create your own auto insurance app. Let’s mention some of them!
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⚙️ Tech Stack For Car Insurance App Development

An appropriate Tech Stack can significantly decrease required time and cost to develop a car insurance application. Moreover, the right tools can ensure the smooth work and great UX of your app. That’s why it’s important to choose the proper set of APIs and SDKs.

Our Stormotion Developers recommend using following tools to develop an app for a car insurance company:

• Braintree SDK, Stripe API - to process in-app payments.
• Firebase API or OneSignal SDK - to implement push notifications.
• Vehicle Status or DVLA Search (for the UK companies) APIs - to get all the details about vehicle’s status and eliminate the extensive paperwork.
• Google Roads API - to define the speed limit for a given road segment.
• Theft Alarm API - to alert users if someone is trying to damage or steal his car.
• As always, we recommend building the app using React Native since it’s a perfect choice if you want to create a cost-effective cross-platform application with native UX.
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💰 Cost to Build an Insurance App

If you are interested in what the costs to develop an app for an insurance business are, check the estimate below: