How to Make a Car Insurance App?

Are you looking for new opportunities to improve the level of service quality for your mobile audience? Or maybe you want your audience to be more loyal to your Insurance Brand? That’s something that a mobile application can help you do!

Car insurance app development will provide your insurance company with remarkable benefits:

Sounds promising, doesn’t it? Yet, while the benefits of a mobile car insurance app may be quite obvious for you (after all, that’s how you turned up on this article, right?), the development itself is rather something that requires a good Partner alongside.

Except for the development itself, such a Partner should hold a Discovery Stage with you in order to understand what exactly you’re trying to achieve with your Product and come up with a list of core features to create own auto insurance app.

To get more information on what a Discovery Stage is and what steps it normally includes, feel free to follow the link to our article where we talk about the Project Discovery in detail:

Cuvva’s users are asked to enter only the vehicle’s reg plate. Due to the integration with the GB DVLA, the app extracts all the car data straight from this database, killing two birds with one stone:

• On the one hand, it simplifies the whole process from the user’s side.
• On the other hand, it extracts data from the official database, leaving almost no room for mistakes or fraud.
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# 2: Quotes Screen 📖

When the basic info is entered, it’s time to offer users available insurance plans.

Here are a few recommendations to follow:

1. Place one plan per page. It will focus users’ attention on it and let you provide all the key details. Also, users can move to the next plan by swiping right or down.
2. Use bright and catchy colours for the CTA buttons. It’s a known technique to draw users’ attention and push people towards the desired action.
3. Don’t hide real prices. It annoys people a lot, so make sure that they won’t face any difficulties when trying to understand how much your services are going to cost them.
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# 3: Payment Processing Screen 💳

When a user is interested in a specific insurance plan - don’t waste your time and close the deal! As a Mobile Development Agency, we can build a car insurance app and integrate a smooth & secure payment gateway - either Braintree or Stripe - for this purpose.

From the UI perspective, this screen should include some basic info about the chosen insurance policy from the previous screens, like:

• Insurance type.
• Policy length (or duration).
• Start and end dates.
• Total price.

Also, this is the right moment to remember about your legal obligations since it’s the last step before users exchange their money for your insurance guarantees. Therefore, leave a place for a “Policy & Terms” button.

Moreover, since you want to build a car insurance app for an audience that’s on a first-name basis with mobile technologies, they should be able to save their credit cards for quick payments & access in the future. Keep in mind: this kind of data requires a special protection.

# 4: Support Screen 💬

One of the advantages of your own mobile car insurance app for your clients is the simplified interaction with your company. How can it be implemented? Through a support chat!

It opens a bunch of new possibilities regarding your users:

• A 24/7 Live Support where users can get any kind of help from your professionals.
• It can also become a source of an updated information regarding the claims processing.
• Chatbots can help users navigate through the app and provide with answers to basic questions.

Moreover, another reason to create own auto insurance app with a Support Feature is that your business will get benefits, too. For example, you can significantly cut operational expenses since you will require fewer employees to provide support for your clients.

# 5: Policy Review Screen 👁

Of course, users should always have direct access to their insurance IDs, and this is where knowing how to implement AI into an app can help provide personalized and efficient user interfaces. The typical solution is to add a separate screen (it’s usually known as the Policy Review or ID Screen) where users can check a policy type and number, vehicle’s specification, effective and expiration dates etc.

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# 6: Claim Filing Screen ✍️

The insurance business may be the only industry in the world in which both you and your clients hope that there will never be a real need to use your services :)

However, you definitely need to add the Claim Filing Screen to your car insurance app. Its main goal is to simplify and speed up the claim processing. Moreover, a chatbot can eliminate paperwork; users will file claims on their own, not involving your staff - isn’t that a great example of optimization and services quality improvement at the same time?

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.

As the automotive industry moves towards sustainable practices, integrating features that cater to e-mobility meaning, such as insurance plans tailored for electric vehicles and incentivized premiums for eco-friendly driving habits, can position your car insurance app as a forward-thinking solution in the era of electric mobility.

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!