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You can get same-day car insurance from almost any major insurance company in minutes by requesting an instant quote online
What Is The Cheapest Online Car Insurance
Written by: Daniel Robinson, Written by: Daniel Robinson Author Daniel is a staff writer at Guides and has written for numerous automotive news outlets and marketing companies in the US, UK and Australia, specializing in topics such as car financing and car care. Daniel is an expert on the Guides team when it comes to car insurance, loans, warranty options, car services and more.
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Editor: Rashawn Mitchner, Editor: Rashawn Mitchner Editor-in-Chief Rashawn Mitchner is an editor on the Guides staff with over 10 years of experience in personal finance and insurance.
Before you drive your new car off the lot, you need to insure it. The good news is that you can now get car insurance if you need it. Almost every leading car insurer today offers the option of purchasing insurance on the same day. It’s not too complicated – you just need to provide some basic information.
In this article, we at Guides will show you exactly how to get same-day insurance so you can travel legally. Even if you’re short on time, we recommend comparing auto insurance quotes from several providers. We’ve reviewed the best insurance companies across the country and all of our top picks offer instant coverage.
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Car Insurance Quotes Online (updated 2023)
The Guides team is committed to providing accurate information to help you make the best possible decision about your vehicle insurance. Because consumers rely on us to provide unbiased and accurate information, we created a comprehensive rating system to create our ranking of the best insurance companies. We collected data from dozens of auto insurers to rate companies based on various ranking factors. After 800 hours of research, the end result was an overall rating for each provider, with insurers with the highest scores at the top of the list.
You can get same-day insurance from almost every major national insurance company on the market today. When you call or go online to get a free car insurance quote, most companies will let you sign up for a plan that starts the same day. You can also get same-day insurance from smaller regional providers.
You don’t have to do anything special to get same-day car insurance. You can talk to an insurance agent in person or by phone. However, it is usually easiest to purchase a policy online. Most major suppliers offer tools so you can get a quote online quickly and easily.
Your insurance premiums depend on many different variables regarding you and your vehicle. To receive an accurate car insurance quote, please have the following information ready before submitting your application:
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You should also have an electronic payment method in case you need to pay a deposit or make an upfront fee to apply for insurance. In most cases this can be done using your bank details or debit card.
You can find car insurance you can buy right away, whether you go online or call a local agent. In both cases you will need the same information as described above. Hiring an insurance broker may take a little longer because the broker will consider your information and compare quotes from multiple companies. Still, you should be able to get same-day car insurance if you’re prepared.
The easiest way to get car insurance quickly is to use our online car insurance quote form. You can find instant quote forms on supplier websites or use comparison forms such as the one on this page.
We estimate that the average good driver will pay $2,008 a year for comprehensive car insurance and $627 a year for minimum insurance. There are no additional costs to purchasing insurance outright, so you’ll still have access to affordable car insurance. You’re still entitled to car insurance discounts, for example for combining property insurance, life insurance or renters insurance with your car policy.
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Below we’ve included estimates of average monthly and annual car insurance rates for a number of companies offering same-day insurance. These rates are for comprehensive insurance for 35-year-old drivers with a good driving record and good credit.
Your same-day car insurance options are no different than standard insurance options. In other words, you can get everything from bodily injury and property damage liability coverage to collision and comprehensive coverage almost instantly.
Your rates will almost certainly vary because insurers base their rates on many variables about you and your vehicle.
Getting same-day car insurance is easier than ever. While you have access to the same rates and policies as if you purchased car insurance in advance, purchasing car insurance immediately also has some disadvantages.
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If you want to buy car insurance now, you may be missing out on some discount opportunities. For example, Allstate offers an Early Signup Discount® if you purchase car insurance at least one week before you apply. Allstate’s same-day plan does not include this insurance discount. The same applies to other providers.
If you need insurance right away, you won’t have as much time to compare car insurance options. This means you may not find a provider that offers you the best rates. If you only get one quote, it may be the cheapest insurance premium available. Using an online quote tool can save you time when comparing quotes.
In some cases, you may not be able to get coverage on the same day. For example, most auto insurers ask for your Social Security number to verify information on your application and calculate your risk score based on your credit history. If you don’t have a Social Security number or can’t provide one now, the insurance company will need more time to process your claim or may deny coverage.
One piece of information that needs to be verified is your home address. Insurers can check this based on your credit report. If you have recently moved, your insurance company may not be able to verify your address as quickly, which could result in approval delays. Or if you live in one location but your permanent address is in another location, this can also cause slowdowns.
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Car insurers deduct complete vehicle documentation based on your driving license number. When reporting car accidents, traffic tickets and other convictions, it is important to be completely honest. If you leave something out, the company may notice a discrepancy and will need to spend more time reviewing your application.
Keep in mind that it may be possible for a company to sell you car insurance within the first 30-90 days and then cancel your policy because they provided incomplete or false information, which is also known as material misrepresentation. Cancellations due to misrepresentation or non-payment will be recorded on your records, which may make it more difficult to obtain same-day cover (or car insurance) in the future.
Finally, if you are purchasing a particularly expensive car, your insurance representative may need to review your insurance application because some pricing tools are unable to accurately value rare or exotic cars and specialty vehicles. In this case, you will not be able to get insurance on the same day.
If you need car insurance now, you can get it by comparing quotes online, calling an agent, or even hiring a broker. Your new insurance goes into effect the same day you make your first payment, so you can enjoy your car without having to worry about your insurance expiring.
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Just because you need car insurance today doesn’t mean you have to settle for the first provider that comes online. You should spend as much time as possible comparing coverage and offers from different providers, and then purchase insurance from the company with the best offer the same day.
We recommend starting your search with State Farm and Geico, which have good reputations and affordable coverage.
We chose Travelers as the best choice for most drivers because it offers comprehensive coverage with excellent service and offers many drivers affordable car insurance. Travelers can insure different drivers and vehicles on the same day. The company offers numerous car insurance add-ons to ensure that every driver is satisfied with their policy.
The company also offers a number of good discounts that many drivers take advantage of. Travelers has an A rating from the Better Business Bureau (BBB) and an A++ financial strength rating from AM Best, which shows that the insurer strives to solve customer problems and has an excellent ability to process claims.
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State Farm is the largest auto insurance company in the U.S. and has the highest score