Most car insurance companies allow you to begin your policy the same day you purchase it. Having all of your information ready and getting quotes online is the best way to get same-day coverage.
Which insurance companies provide same-day coverage online?
Many of the most well-known insurance companies will let you get a quote and buy car insurance online right away. You can often purchase coverage using your phone or tablet, eliminating the need for a computer entirely.
Is it possible to get car insurance right away?
Yes! If you need car insurance quickly, you can usually get a quote and have coverage for your car the same day if you call or go online. For example, if you just bought a new car from a dealership and need coverage to drive it off the lot, you can get it almost immediately.
Buying insurance online is often the most convenient way to get it and have it take effect the same day.
Larger insurers, such as State Farm, Progressive, and Geico, are more likely to provide same-day coverage than smaller or more specialized insurers. Smaller insurance companies typically require you to contact one of their agents or visit their office an office to secure a policy.
How long does it take to obtain automobile insurance?
When you purchase auto insurance, the insurance company will ask you when you want your policy to begin. You can usually select any date between today (for same-day car insurance) and a month from now.
If you already have car insurance, you should choose the date that your current policy expires so that there is no gap or overlap. Choose the date you will own your car if you do not already have coverage. Choose today if that is the case. If your car won’t be ready for another two weeks, buy it now.
Car insurance cannot be purchased retroactively, even on the same day.
If you were in an accident or received a ticket for driving without insurance, you cannot purchase insurance later and be covered.
What information do I need to obtain a quote and purchase insurance online?
Even if you work with an insurance company that can provide auto insurance right away, you’ll need some information about yourself, your household, and your vehicle to get coverage right away.
The information you provide, as well as information obtained from third parties, such as your credit score, will be used by the insurance company to set your rates and provide you with a car insurance quote.
Information required to obtain a same-day insurance policy
- All drivers you want to add to the policy must provide their full name, occupation, driver’s license number, and Social Security number.
- Your typical commute distance
- Your official and mailing addresses
- Details about your current auto insurance policy, if you have one.
- Details about each vehicle you’re insuring, including make, model, and VIN (VIN)
- Your car’s purchase date and current mileage
- Credit or debit card information
What can keep drivers from getting car insurance right away?
In some cases, an insurance company may not be able to provide you with insurance coverage right away. This could be because the company lacks critical information about you that it requires to set your rates.
Car insurance companies, for example, base their rates on where you live. If you have recently relocated and the insurer is unable to verify your address, it may refuse to sell you a policy right away.
It’s also possible that something about your current situation necessitates more time for the insurance company to set your rate or approve your coverage.
You might be looking for insurance for a rare or valuable car that isn’t listed in the insurance company’s price database. A poor driving record, on the other hand, may result in an insurance company refusing to provide you with a quote at all.
Reasons why you may not receive an insurance quote right away
- You are missing any of the information needed to apply for insurance, even if it is marked “optional” on the application.
- You recently relocated.
- You have a history of at-fault accidents or moving violations.
- You own a unique or specialty vehicle.
If an insurance company is unable to sell you insurance online right away, try calling the company to determine what’s causing the problem and how to resolve it. If you are unable to address it quickly, you may be forced to abandon it need to move on to another insurance company.
Is there any reason why I shouldn’t get same-day car insurance?
While there’s no denying that buying car insurance on the same day you need it is convenient, it’s not your only option, and there are advantages to planning ahead. If you purchase coverage in a single day, you will have less time to compare car insurance prices, which is the best way to save money on your insurance premium.
Furthermore, some insurance companies will give you a discount if you purchase insurance ahead of time. Not every company provides this discount, but if it is available, you can save 3 to 10% by purchasing in advance. American Family, for example, offers a discount if you purchase your insurance more than seven days in advance.
Commonly Asked Questions
Can I get insurance the same day?
Yes! Your car insurance policy will usually take effect as soon as you purchase it. You can buy a policy online or on your phone from anywhere and be covered right away. However, keep in mind that the best way to find the best deal is to compare quotes from multiple insurers, which may be difficult if you’re purchasing a policy at the last minute.
Is same-day insurance valid?
Yes, major insurers such as Geico, Progressive, and State Farm allow you to purchase a policy and have it take effect right away.
Is same-day insurance more costly?
No, not always. Car insurance companies do not charge extra to activate your policy right away. However, some insurers, such as Travelers, do offer an advance-shopping discount for purchasing a policy that begins more than a few days after purchase, so you may be foregoing a possible discount by purchasing a policy on the day you need it.
What documents do I need to obtain same-day insurance?
You’ll need the same information you’d need for any car insurance policy: your driver’s license, the make, model, and VIN of your vehicle, as well as information about your current or previous insurer, if you have one.
Is same-day automobile insurance retroactive?
No. If you are involved in a car accident and then purchase insurance on the same day, you will almost certainly be caught. You will not only have your policy cancelled immediately, but you will also have committed insurance fraud, which is a crime.