Nowadays, obtaining several car insurance quotes, selecting the most appropriate option, and purchasing a policy can be accomplished in just an hour or two through online platforms. Alternatively, an independent insurance agent can expedite the comparison-shopping process on your behalf, often returning with their top recommendations within a few minutes. Therefore, drivers should not overlook the importance of the shopping process, even if they need coverage now. It is also essential for people to carefully evaluate their vehicle insurance requirements and ensure they buy sufficient coverage that aligns with those needs.
People don’t need to panic; instead, they should make efficient use of their time. Almost all major auto insurance providers can swiftly place you under coverage within minutes of initiating contact, whether it’s through their online channels or via their agents. This speed depends on having the required information and a valid payment method ready.
If you want to buy vehicle insurance on the same day, you should provide complete and accurate details when you are getting quotes so that you don’t have last minute glitches with your application. Keep in mind that insurance companies verify the details you provide using Motor Vehicle Records, credit checks, and other means. If there are discrepancies or difficulties in verifying information, such as your address, the process may be delayed, and your final premium could be adjusted accordingly.
Automobile insurance companies require the following information to give you an accurate quote:
- Make, model, age, value and Vehicle Identification Number (VIN) of the vehicle to be insured
- Any accidents and traffic violation tickets you and any other included drivers may have on your driving records as well as driver’s license numbers for each of you
- Your particulars like age, gender and the address where the vehicle will be kept
- Your credit score (required in large majority of states)
- Often they require your Social Security Number to carry out the checks on you
- And you need a payment method to make the full or initial premium payment to activate the policy
If you require immediate coverage and are satisfied with the quote, you can proceed with the purchase. If you plan to buy a vehicle later in the day, you can inquire with the agent about whether the quote is firm, allowing you to call back and complete the purchase.
If you are currently looking to buy a new vehicle and haven’t decided on a specific one yet, you can still engage in comparison shopping for the type of car you are considering. This way, you can identify the insurance companies offering the best rates. Once you’ve chosen your vehicle, you can then purchase your insurance policy promptly, ensuring you can drive it home without delay.
Can You Drive a New Car Home with Insurance You Got Today?
When purchasing auto insurance, it is essential to ensure that you receive confirmation of your coverage before hitting the road. Nowadays, nearly all insurance companies and agents promptly send an email confirmation as soon as you are covered. Additionally, many companies offer their policyholders the convenience of creating an online account on their website or downloading a mobile app to access their policy documents and insurance cards. Once you have received confirmation, you are officially insured and can legally drive. It’s worth noting that in most states, digital proof of insurance is widely accepted when requested by a police officer during a traffic stop.
Points to Consider When You Need Auto Insurance on the Day
You may have to buy vehicle insurance as soon as possible because your current policy is lapsed or lapsing or you are buying a car and you want to insure it and drive home. Although this is often an easy process as long as you have the above information in hand, at times it may not go as smooth as you expect and you may also mind a few points not to be disadvantaged by the urgency of the situation.
- If the car insurance company cannot verify some essential information, they may need more time to confirm coverage. For example, if you have moved recently, they may not be able to verify your information through the usual means like seeing the address in credit report. In such cases, they may actually require proof of address before they can place you on risk.
- If you are buying an exotic or highly modified automobile, it may take longer to rate it and therefore the confirmation of coverage can take time.
- Standard applicants and applications can be handled smoothly but any unusual circumstances like someone with no Social Security Number can create a problem and require longer for the risk to be assessed and accepted. The same may apply to some high-risk drivers.
- People may feel the urgency and tend to make quick but not necessarily the best decision. It is important to know that you may have enough time to check your options carefully so that you buy the right car insurance policy for your needs.
- Often having more time allows people to shop around much early and take advantage of early purchase discounts by buying the policy at least 7 – 14 days in advance. Also, they may be able to arrange their finances better and pay the full premium so that they can get full payment discounts.
It is best to get the coverage you need at an affordable price at the first attempt, even if the time is limited. However, in certain situations, it can be prudent to quickly secure auto insurance to prevent a coverage lapse or to insure your new vehicle. Afterward, you can take the time to conduct thorough comparison shopping and switch insurers if necessary. Many reputable insurers in the US either do not levy cancellation fees or impose negligible charges, making it easy to explore better car insurance deals. Alternatively, the policy purchased may be adjusted to suit your needs better in the first chance.