Need car insurance ASAP? Like, today? You can get same-day coverage from most insurance companies by following this advice.
You need car insurance now. Right now. Here's some good news for you: most companies sell "same-day"car insurance, or car insurance that goes into effect the same day you buy it.
So, whether you need immediate car insurance coverage because your old policy just lapsed or because you're about to buy a new car, you should be able to find it with a little legwork.
We'll tell you what you have to do to get instant car insurance in this article. We'll also tell you:
The quickest and easiest way to get car insurance coverage that kicks in immediately is to buy it online or through a company's mobile app.
A few things to keep in mind about getting same-day insurance in this way:
Before you can buy a same-day insurance policy, you have to get a quote from an insurance provider. And to get a quote from an insurance provider, you have to give them some information about yourself and any other driver you plan to name on the policy.
Insurers will use this and other information, like your credit score, to determine your rate and produce a quote. If you like that quote, you can buy the policy and have it start right away.
Buying same-day car insurance should only take a few minutes if you already have a relationship with the company selling it to you.
If this is your first time working with a particular company, the process might take as long as an hour.
This assumes, however, you're looking to insure a fairly standard or typical vehicle. For example, if you need insurance for a classic or collector car, things may take longer — to the point where you may not be able to get same-day coverage.
The same is true if you can't provide an insurer with the information listed above when you contact them about a policy. In that case, they'll probably need more time to set your rate and come up with a quote.
There are a few reasons a company may not sell you same-day car insurance. They include:
Most of the biggest and best car insurance companies will sell you same-day coverage. That means companies like:
So, if you want or need car insurance that kicks in immediately, check out several companies'websites and apps before settling on one.
In general, no, same-day car insurance doesn't cost more than car insurance that takes effect a week or more after you buy it.
To put it another way, you'll almost always pay the same amount for a same-day insurance policy as you'll pay for a policy you buy in advance.
One exception: you might pay up to 10% less for an auto insurance policy you buy in advance if you get it from a company that offers discounts for thinking ahead.
No, you can't backdate auto insurance to cover an accident you got into or a ticket you received, say, earlier in the day.
Even same-day insurance only covers you from the moment it kicks in —not a minute before then.
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