Your brand-new vehicle must be insured before you can drive it off the lot. If you need auto coverage, the good news is that you can acquire it now. If you need vehicle insurance immediately, you may acquire it from nearly any major insurer. It’s not hard at all; we simply need some fundamental details from you.
Here, the Home Media Reviews crew lays out a step-by-step plan for acquiring the same-day insurance protection you need to drive legally. Our advice is to compare vehicle insurance rates from many companies, even if you’re pressed for time. We looked into the market and found that all of the best auto insurance companies in the country offer immediate coverage.
In This Article
Can you get car insurance on the same day?
Almost all major national auto insurance providers now provide instant coverage. Most auto insurance providers will allow you to buy a policy with an effective date of the same day you contact them for a free estimate over the phone or online. Smaller, more localized services may also be able to give you cover the same day you apply.
Get Auto Insurance Today: The Step-By-Step Guide
You may receive the auto insurance you need the very same day without doing anything out of the ordinary. An insurance agent is available both in-person and over the phone for your convenience. However, purchasing insurance online is typically the simplest option. The vast majority of service providers today have online quote options available.
Tips for Finding Affordable Auto Coverage on the Web
Many factors about you and your car affect how much you’ll pay in insurance premiums. You should have the following data on hand before applying for auto insurance in order to receive an accurate quote:
Identification of Vehicle Owners
Information on the vehicle’s year, make, model, and mileage
Identification number of the vehicle (VIN)
Specify the location of the carport or parking spot.
Give the full legal names, dates of birth, and driver’s license numbers of all drivers who are listed on the policy.
Details about your existing insurance plan, including its duration, coverage, and deductible
Details on any incidents and tickets you’ve received while behind the wheel
You should also be prepared to submit a down payment or initial payment via electronic means before coverage can begin. A debit card or bank account number is usually sufficient for this.
Quick Tips for Purchasing Auto Insurance
Both online and over the phone, you can locate and get auto insurance right now. In both instances, you’ll require the data presented above. The time it takes to get the best insurance policy might increase if you go via a broker. However, if you come prepared, you should still be able to receive vehicle insurance coverage on the same day.
Coverage borrowed temporarily from an existing policy
The necessity for temporary auto insurance may not be necessary for all drivers who believe they require coverage for just one day. To illustrate, suppose you need to borrow a friend’s automobile for the day. With their consent, you can use their car and be covered by their standard insurance coverage.
Due to the concept of “permissive usage,” if your buddy lets you use their automobile, you are immediately covered by their insurance policy. To put it simply, so long as you just rent a car infrequently, you get the same coverage that they do.
However, if you are in an accident while riding as a passenger in a friend’s automobile, you may have less financial protection than if the friend had been behind the wheel. If you often use someone else’s vehicle, you should get your own non-owner coverage.
Free Online Insurance Estimate
The quickest way to get covered is to use an online instant auto insurance quote form. On supplier websites, you can find forms for getting instant quotes, or you can use a quote comparison form like the one on this page.
Instant Online Auto Insurance Quote
According to our rate estimates, full coverage auto insurance costs $1,730 per year, while minimal coverage costs $635.There is no penalty for starting coverage right away, so you may keep your low-cost auto insurance. You can still qualify for discounts on your vehicle insurance by doing things like combining your policy with other types of insurance (like homeowners, life, or renters) that you already have.
Insurance for foreign drivers that is valid for a limited time
Visitors from other countries who drive in the United States may need short-term vehicle insurance. The best way for these drivers to get temporary insurance will depend on how long they will be staying.
Renting a car in the United States, and many countries provide temporary insurance policies for visitors who will only be there for a short period of time. They might also save money if they bought insurance from a company that specializes in coverage for rental cars instead of paying the higher prices that rental car companies often charge for their optional insurance.
If you plan to be away from home for an extended period of time, you may want to look into purchasing a six-month, pay-as-you-go insurance policy for your vehicle They will be adequately covered for less than the cost of regular six-month insurance, provided their driving is within reasonable limits.
Vehicles in storage might obtain temporary insurance coverage.
You may only need insurance for the months that you really use the automobile if you store it for six months out of the year, for example.
However, terminating your normal insurance coverage in favor of a short-term plan is not recommended. When you try to get your insurance back, your premiums may have gone up a lot.
Drop collision coverage and lower liability limits to the state minimum if you plan to keep your car in storage. This will ensure that your property is safe from the elements, vandals, and thieves while it is in storage.
Another option is to investigate whether your liability insurance may be canceled while the car is in storage; this is sometimes referred to as auto storage insurance, and it may need proof that the vehicle will not be driven for a set period of time. Be sure to get back behind the wheel when you’ve reinstated your full coverage.
If you only need temporary auto coverage, should you terminate your current policy?
It’s tempting to get a six-month insurance plan with the intention of canceling it as soon as the need for protection no longer exists. Most people will find it easiest to get temporary insurance coverage if they don’t cancel their policy and get a refund for the time it wasn’t active.
One reason you shouldn’t cancel your insurance yet keep the automobile is that doing so is against the law. If you are caught driving without insurance after canceling your policy, you could be fined or even sent to jail, and you would have to pay for any injuries or damage you cause.
In addition, if you cancel your auto insurance policy and go without coverage for an extended period of time, you may expect to pay higher premiums the next time you shop for coverage.
So, the only time it makes sense to cancel a policy to get short-term insurance is if you plan to get rid of your car for good.