How long does it take to get car insurance? (2023)

It can feel daunting to purchase your first car insurance policy, but many companies make the process quick and simple. As long as you know what you’re looking for, you should be able to buy car insurance without much hassle, and many companies allow you to start auto insurance today as soon as you pay for your policy.

Before you start shopping, you must know what types of coverage you’re interested in. Learning more about coverage options, like liability, collision, and comprehensive car insurance, can help you decide what you need and can afford when purchasing your coverage.

Remember to find and compare quotes from at least three local companies in your area. When you compare quotes online, you’ll be able to ensure you don’t pay too much for your coverage.

How long does it take to get car insurance?

Buying car insurance can take just a few minutes, but it’s a good idea to plan for an hour or two so you’re not overwhelmed by the process.

You may want to take time before you buy auto insurance to shop online and compare car insurance companies. It’s also a good idea to research different coverage options before you buy a policy to know what you’re looking for. 

To get a fast auto insurance quote, you’ll need personal information along with your driver’s license number, vehicle make and model, and social security number. You can compare quotes the same day you want to purchase car insurance, but the process will take a bit longer.

Many people like to read customer reviews before buying car insurance to get a good idea of the companies with the best customer service departments and claim handling procedures.

Does it take a long time to apply for car insurance?

Auto insurance companies typically have short application processes. Because of this, it can take as little as five to 10 minutes to apply for a car insurance policy.

When you apply for coverage, you may need some or all of the following information:

• Full names of all drivers on the policy
• Dates of birth of all drivers on the policy
• Driver’s license numbers of all drivers on the policy
• Social security numbers of all drivers on the policy
• Your Vehicle Information Number (VIN)
• Your current address
• Information from your most recent auto insurance policy (if applicable)

You can have all the information above when applying for coverage to get quick car insurance. Suppose an insurance company asks for information you are not able or willing to share. In that case, you may have to speak with a company representative to see if you are still eligible for coverage.

How long does it take before a car insurance policy starts?

Your car insurance can go into effect immediately after you purchase your policy, or you can choose to start your policy later if you’re waiting for your current coverage to end.

If you need same-day car insurance or to buy coverage immediately, research the best car insurance companies that sell online policies in your area. 

Most companies allow you to choose your start date for coverage. However, if you know you need your coverage to start immediately, ensure that’s possible when you apply for coverage. You can call and speak with a company representative before you buy if you have questions about your coverage.

Are there ways I can get quick car insurance?

The process of purchasing car insurance is normally quick, but you may be able to do a few things to make it go even faster.

Know How Much Coverage You Need

There are several types of car insurance coverage to choose from. Do some research ahead of time to learn about the coverage you want on your vehicle.

For example, are you looking for a liability-only car insurance policy? Do you want full coverage to ensure you and your vehicle are more adequately protected? Are there add-on coverage options you know you want?

Making these decisions will help you save time when you search for quotes and apply for car insurance coverage.

Have Your Personal Information Ready

Have everything you need on hand before applying for car insurance coverage, such as your driver’s license, social security, personal information of anyone else on the policy, and your VIN. You should also have your car insurance declarations page if you’ve had auto insurance coverage.

Research Car Insurance Companies

Before you buy insurance, it’s a good idea to research any company you’re considering to learn more about it.

For example, how do customers feel about the company’s customer service? Does the company have a good process for handling car insurance claims?

Doing research ahead of time will help you save time when you apply for coverage, and it will also allow you to avoid purchasing a policy with a company you wouldn’t like.

Exploring Case Studies: Getting Car Insurance in Different Scenarios

Case Study 1: Same-Day Coverage

John needs car insurance urgently as he just purchased a new vehicle. He decides to compare quotes from different insurance companies online. After reviewing multiple options, he chooses Company A, which offers the coverage he needs at a competitive price.

John completes the online application, providing all the required information. Within a few minutes, he receives a confirmation email stating that his policy is active immediately. John is relieved to have secured car insurance the same day he purchased his vehicle.

Case Study 2: Research and Quick Purchase

Samantha is a first-time car owner and wants to ensure she gets the best car insurance policy. She spends some time researching coverage options and reading customer reviews of different insurance companies. After gathering sufficient information, Samantha decides to get quotes from three local companies.

She fills out the necessary details online and compares the quotes. Based on the coverage and price, she chooses Company B. Samantha completes the online application, and within 10 minutes, she receives a policy confirmation with a start date of her choosing.

Case Study 3: Immediate Coverage After an Accident

Mark gets into a car accident and realizes he doesn’t have car insurance. He understands the importance of having coverage and wants to secure it immediately. Mark contacts several insurance companies and finds one that offers same-day coverage.

He provides the necessary information over the phone and purchases the policy. The company informs Mark that the coverage will start immediately, but any damage from the accident that occurred before the policy purchase will not be covered.

Buying Car Insurance: The Bottom Line

Buying car insurance is not very complicated, but you can do a few things to make it even easier. First, prepare your personal information and decide what type of coverage you want before comparing car insurance quotes.

Once you find and compare quotes from different companies, choose the company that offers the coverage you’re looking for at the best price. Review any company you’re considering before deciding to ensure you will be happy with your policy.

You may be able to save money on your coverage with car insurance discounts. Speak with a company representative if you’d like to learn more about your options