Yes, getting same-day car insurance is possible, as many insurance companies make it easy for people to buy car insurance that same-day by providing instant rate quotes online, in person, and by phone.
The only drawbacks to same-day insurance are that you might not get a tiny buy-in-advance discount and that you won’t have much time to compare prices.
Before your quest to search for car insurance quotes, understanding the process of buying same-day car insurance online is very crucial. Because the details can sometimes be confusing when it comes to car insurance, make sure to talk with an insurance provider or professional about questions regarding your coverage.
How Does Same-Day Car Insurance Work?
You can start driving your vehicle right away after applying for auto insurance because you get it the same day. In a matter of minutes, you will receive your quotes after choosing the coverage you require for your auto insurance.
After the quote has been approved, all that will be needed is to pay the required amount, and your new policy will start. And just like that, you should be able to download your temporary pink slips to put in your car.
If you’re wondering how long it might take for the coverage to start, don’t worry. After all, we are discussing same-day insurance. It occasionally takes an hour or longer to start a new policy.
How Can I Get Same-Day Car Insurance?
To get same-day car insurance, the fastest way is to buy it online. Just follow these steps:
- Research and compare insurance rates from different companies, then pick the best option. Ensure to pick an insurance company that can provide you with a guaranteed auto insurance quote in just three minutes, ensuring the quoted price is what you pay.
- Select your coverage: The minimum legal coverage is included in every policy, but you can add more protection by increasing your coverage limits.
- Choose a payment method: Decide whether to pay the premium in one lump sum or opt for a monthly payment plan. Once paid, your policy becomes effective.
- Bind coverage: Your coverage needs to be approved and put into effect by your insurance specialist. Afterward, you’ll receive written confirmation of your car’s protection plan and temporary pink slips, with permanent policy documents and pink slips arriving within a few weeks.
Before applying online, gather necessary information, such as:
- Driver’s license number
- Vehicle serial number, makes, and model (for new vehicles)
- Other details that may be needed or affect your quote:
- Personal info (date of birth, address, marital status, living situation, additional drivers)
- Vehicle information (older vehicles may require more repairs, luxury vehicles may cost more to repair)
- Driving history (accidents, tickets, claims, suspensions, driver’s courses, infractions)
- Date of purchase and expected mileage (more frequent driving increases accident likelihood)
- Insurance history (companies can access past providers and policy cancellations)
Note that some companies may require you to visit their offices to finalize the application.
Who Can Get Same-Day Car Insurance?
If you’re buying a new car and need insurance right away, same-day car insurance is the perfect solution. It’s available to almost anyone, and online insurance companies like AHA Insurance make the process quick and easy. You can apply for coverage while at the dealership and have it ready before driving off the lot.
However, remember that having a unique driving history or recent move might require planning for insurance ahead of time. Some situations may make it difficult to qualify for same-day car insurance.
- Lacking a permanent address
- Insuring a rare, unique, classic, or expensive car
- Heavily modified vehicles
- Missing information needed for an accurate quote
- Having a poor driving record
In these cases, be prepared to spend more time finding the right auto insurance coverage that meets your specific needs.
Frequently Asked Questions
Is same-day car insurance available everywhere?
Most places offer same-day coverage, but it may be harder to find in areas with less competition among insurers.
How long does same-day car insurance last?
It depends on the policy term you choose, usually 6 or 12 months.
Can I cancel same-day car insurance?
Yes, you can cancel your policy, but you may have to pay cancellation fees and won’t receive a refund for the time you were covered.
What happens if I can’t get same-day car insurance?
You’ll need to find an alternative way to get coverage or risk driving uninsured, which is illegal in most places.
Is same-day car insurance more expensive?
It can be, especially if you have a poor driving record or are insuring a high-risk vehicle.
Can I get same-day insurance if I have a bad driving record?
It’s possible, but you may need to shop around more and face higher premiums.
