You don’t want to make mistakes when insuring your automobile and want to know exactly when it will be placed on cover. You may need your coverage to start at a later date or as quickly as possible depending on your circumstances, current policy and coverage required. Read on to find answers to questions relating to policy set up, like when does car insurance start?
You always need insurance to drive legally even for a few hundred yards. That is why you cannot take inception of a policy lightly. It is a huge risk to be driving with lapsed car insurance even for a day. Also, knowing your options can allow you to save money and reduce the stress of arranging coverage.
Is Car Insurance Effective Immediately?
If you have just bought an automobile you want to insure it with immediate effect. Also, you want to know if you can arrange coverage quickly when you are going to shop for a new vehicle. Rest assured that your auto insurance can begin as soon as you make the required premium payment.
You can quickly get online, find a comparison site like this one, get a few quotes, choose the one you like and pay for it to start your coverage. You can immediately download the proof of insurance to your phone if you like. The main thing is that you have coverage to protect you if anything happens. It would be shame to have an accident with your new car. But it would be a tragedy if you have an accident with your new vehicle before insuring it. Read further to find out how long does it take to get car insurance online?
How Long Does It Take for Car Insurance to Activate?
Usually, it doesn’t take long to compare quotes and activate coverage with an affordable insurer and it can be done while you wait for your new car to be prepared. However, you can check prices beforehand based on the type of vehicle you want to buy. If you know the registration number and basic details you can get insurance quotes before buying a vehicle that takes away guessing how much you need to pay for the premium.
Today vehicle insurance can be activated with a push of a button and you can get immediate confirmation. Those days of sending a fax and waiting for a confirmation are over. So, the simple answer to when does auto insurance coverage begin is as soon as you pay for it.
You can also call a broker and ask to find you a good deal. Most attentive insurance brokers should be able to check prices from a few carriers and get back to you with a competitive price very quickly or do it while you wait. Then, it is just a case of making the payment and instructing them to place you on risk.
What Time Does Car Insurance Start?
Usually, existing policies are renewed from midnight at the inception date. If you are switching insurers, you can instruct your new insurer beforehand to start the policy at a certain date and ask your current insurer not to renew your policy. Then, at midnight your old policy expires and your new policy starts automatically. You don’t need to wait until your new policy starts to cancel your old policy or you don’t need to start your new policy earlier.
You don’t need to wait until the last day. You can make arrangements well in advance. This gives you plenty time to think over and answer questions like how much automobile insurance do I need? Then, you can get a few quotes and compare them to find the best deals. Once you decide on the insurer you can make the necessary arrangements for a smooth switch over. If you decide to stay, you can make sure your policy is renewed without a glitch.
Some insurers can actually inform your existing carrier that they are taking over the coverage and renewal isn’t required. Even if your old insurer has renewed your policy and charged you for it for whatever reason they would normally agree to cancel it and offer you full refund once you prove that you bought coverage from another company.
So, switching insurers is easier than you think. Many drivers avoid checking for alternative quotes at each renewal because they are worried that it is a complicated process and it will take too long. Another thing you might like to know is that most policyholders can save money when insuring a car if they shop around for the best quotes. Why not get a few quotes right here and see how much you can save.