How long does it take to get Car Insurance?
If you have ever shopped around for car insurance, you have probably seen advertisements that promise to get you insured in as little as an hour. It might seem too good to be true, but this feat is indeed possible in many cases! But how long does it take to get car insurance?
How long does it take to Get Car Insurance? The answer will depend on several factors, like the type of policy you want and your current driving record.
Read on to learn more about how long it takes to get car insurance and what factors into the speed at which you can get coverage.
Types of Policies
How long does it take to Get Car Insurance? There are two basic types of auto policies: liability and collision.
A liability policy will cover damages you cause to another driver or their vehicle, up to your policy’s limit. Collision coverage is optional, but if you want protection against damage done by a collision, it’s essential.
Comprehensive covers non-collision incidents like theft, vandalism, fire, and weather events like hail or flooding. All three can be added as extra coverage options with some insurers.
State laws vary when it comes to required minimum coverage levels so check with your state’s department of motor vehicles for specifics on what’s required in your state—but most recommend 100/300/50 for a standard auto policy.
Shopping For The Best Policy!
Your vehicle insurance will typically start 30 days after you buy a policy, as long as your premium is paid and you have a valid license. If your policy starts on a day that isn’t within 30 days of purchase, you’ll be covered starting on that date.
For example, if you sign up for car insurance on April 8 and pay for it in full with cash, but then wait until May 1 to drive your new-to-you vehicle off the lot, your coverage will begin May 1.
Most insurers offer one billing cycle before charging an initial fee or premium so many policies can begin immediately.
When Does Car Insurance Start?
In most cases, your policy begins on or near your vehicle’s registration date. This varies state-to-state but usually spans from a day or two after you apply for insurance until 30 days afterwards.
So if you buy a new car with a 6-month warranty and register it on Jan 1st, an insurer will probably start your policy at some point in late January or early February.
If you get into an accident before then, you may be held liable—even if that accident was someone else’s fault. Be aware of your policy’s start date so you don’t accidentally trigger uninsured motorist coverage if you need to file a claim before it takes effect!
Why Compare Quotes From Multiple Companies?
How long does it take to Get Car Insurance? There are hundreds of auto insurance companies out there, and each of them offers a slightly different product. So how do you decide who to buy your policy from?
Here’s what we recommend: First, figure out what you want your auto insurance policy to do for you. Next, write down all of your financial obligations.
This will include debt payments, student loans, and mortgages or rent. Finally, determine how much money you can afford to put toward an auto-insurance policy each month.
Our Process For Choosing An Auto Insurance Company
How long does it take to Get Car Insurance? When choosing an auto insurance company, you will want to consider multiple factors including price, policy limits and reputation.
At Helpshift, we are big fans of USAA because they provide a great product while also making applying for coverage easy by accepting applications online.
Plus their reputation is stellar in terms of customer service.
Not only do they have a great reputation, but they also offer free access to their military discounts if you are currently serving or have served in the military.
If you decide that USAA is right for you then here’s how you can apply
How to get Car Insurance in 24 Hours
When you apply for a car insurance policy, most providers will let you know within 24 hours whether your application has been successful, explains Kevin Pratt, director of sales and marketing at Parkers Car Insurance.
But even if your application is declined, you will usually still be offered another product from the same provider. But there’s no need to wait around all day.
If you want car insurance in 24 hours, then all you have to do is apply online.
Conclusion – How long does it take to Get Car Insurance?
The whole process should only take a few minutes, and you can usually be on your way that same day. Once you’ve chosen your coverage and price, all that remains is providing proof of your identity.
Depending on where you live, an ID may need to be either physical or electronic—some states use secure online portals for digital identification.
How long does it take to Get Car Insurance? Providing proof of income (if required) is usually as simple as uploading a pay stub with your information blacked out.
It’s also common for policies to include other requirements, like having no outstanding balances from previous insurers or purchasing new license plates before registration.
