If you need auto insurance in a hurry, you might be wondering if it’s possible to purchase ‘same-day’ insurance. While this might sound like a complex insurance product to purchase, most car insurance policies are actually issued on the same day that you apply for them. It’s much easier to access a same-day auto insurance policy than same-day loans or other financial products.
In this article, we’ll take a closer look at same-day insurance and some key details that you need to understand about this type of auto insurance. We’ll also provide you with some additional tips and tricks that you can use to ensure that you access the best auto insurance policy on the market.
How Do I Get Same-Day Auto Insurance?
It’s easier than ever to access a same-day insurance policy. You no longer have to visit an insurance agent and fill out complicated paperwork to be covered in your car. With more and more insurance companies heading online, you can fill out an application on the internet and upload essential documents without ever visiting a brick-and-mortar location.
If you accept a policy, most providers will offer you immediate coverage. In some cases, you will still need to pay a substantial deposit to access your insurance policy, so don’t expect it to be entirely free upfront.
Alternatively, if you’re purchasing a car in a dealership, there’s a high chance they will offer an in-house insurance provider. Most car dealerships will walk you through the process of applying for an auto insurance policy and accepting a quote. This can be a convenient option if you’re confused about how to apply for insurance.
You Can Buy Your Own Same-Day Insurance Inside a Dealership
While some people that head to dealerships use the in-house insurance option that the dealer offers, you can still purchase your own same-day insurance inside of a dealership. What do we mean by this? Fortunately, you can often apply for an auto insurance quote by using your smartphone or an available computer.
This is a popular option with many people purchasing insurance. When you head to a dealership, you don’t often know which car you’re purchasing (or if you’re purchasing one at all). If you do decide to buy a car, and you need coverage to drive it off the lot, you can apply on your phone for a policy using your new vehicle’s details.
What Information Do I Need for Same-Day Insurance?
If you’re going to get same-day insurance, you will most likely need all of your information available. Make sure that you have your core details at-hand, as well as any documentation that an insurance company might require. What can you expect to need to apply for a same-day auto insurance policy? Let’s take a look:
- Date of birth
- Driver’s license number
- Marital status
- Car mileage
- Car make
- Car year
- Car VIN
- Date of purchase of the vehicle
- Driving history:
- Other information
- Previous car insurance details
Keep in mind that different insurance providers will require different types of information. You can check in advance to see what kind of data you will need to apply for a quote.
How Long Does It Take to Apply for Same-Day Insurance?
Fortunately, same-day insurance applications can take a matter of minutes if you have all of your information in order. Once you decide on a particular provider, you should be able to get a quote in less than 30 minutes.
Technology has made the process of applying for same-day insurance extremely quick. This is why we said it’s possible to apply for independent insurance when you’re sitting at your car dealership. Still, it’s always a good idea to some research in advance (before you apply for a policy or purchase a vehicle).
Is Same-Day Insurance Expensive?
Same-day insurance should not be more expensive than any other type of insurance. As mentioned previously, almost all car insurance is ‘same-day,’ so you shouldn’t end up paying more when you apply for a quote.
This being said, if you rush into purchasing a policy without understanding the market, this might end up with you spending more money on insurance. It’s essential to understand what you’re looking for before you randomly accept a quote.
Tips for Applying for Same-Day Auto Insurance
If you’re going to apply for same-day auto insurance in the United States, it’s always a good idea to take advantage of a few tips. Below, we’ll explore a few additional pieces of information to consider before you submit your application. This can help you increase your chances of finding the right policy, accessing an affordable price, and more.
No matter what you do, it’s always a good idea to compare quotes. if you want to ensure that you access one of the best rates on the market, you need to make sure that you look at various insurance providers before you make a decision.
In most cases, you won’t need to pay for an insurance quote, so you will benefit from the ability to apply for multiple quotes or access certain price data without having to spend any money. There are also plenty of websites that will help you compare multiple quotes at the same time.
Always Research Your Insurance Provider
If you’re going to insure your vehicle with any form of insurance (including same-day insurance), you need to make sure that you’re working with an insurance company that you can trust. You don’t want to work with a provider that will reject legitimate claims or take months to pay your claim.
Choosing the wrong insurance firm can be a quick way to spend unnecessary money. Fortunately, it’s easier than ever to find out more information about the insurance partners that you’re considering. There are numerous consumer watchdog groups that host information about the country’s leading insurance companies.
By using platforms such as the Better Business Bureau and Consumer Affairs, you’ll be able to access reviews and additional research about insurance companies. In some cases, these consumer watchdog groups also provide ratings that assess the viability of the company.
In-Dealership Auto Insurance Might Not Be the Best
It can be extremely easy to sign up for an insurance plan if you purchase a vehicle from a major dealer. As mentioned previously, most dealerships will have partnerships with leading insurance providers. In some cases, it can take as little as 20 minutes for your car salesman to sign you up for a new plan.
While this is the type of convenience that many car buyers are looking for, it’s also important to remember that it can come at a cost. If you purchase the in-house auto insurance at your dealership, it might not be nearly as competitive as some external providers. If saving money is your priority when you are choosing a same-day policy, it might not be the best option to purchase the in-house option.
The same goes for other offers that might be provided at a dealership. For example, if the dealership you’re buying from has an in-house lending facility,
Assess Additional Benefits
It’s not just your insurance coverage that matters when you purchase same-day insurance; you also need to consider the other benefits that are inside of your policy. While you might think some of these benefits are superfluous, you’re really just losing out if you’re paying the same rates for a policy that doesn’t offer what competitors can provide.
So, what are some additional benefits you should be looking for when you find your next same-day insurance policy? Let’s take a look:
Rental Cars for Accidents
If you get into an accident that hampers your ability to drive your vehicle, you will need to rent a car while yours is repaired. The cost of this can add up. For this reason, it’s always a good idea to check if your insurance provider is willing to pay for a rental car while you’re waiting for repairs or trying to purchase a new vehicle.
Rental Car Coverage
If you head to a rental car store next time you’re abroad, you often have to pay extensive extras to get the vehicle covered by insurance. While the online price for the rental car is often attractive, once you pay for insurance it can destroy the value of the bargain. Fortunately, some insurance companies will provide you with rental coverage, which means you’ll remain covered no matter where you are in the world.
You can tell your rental company that your at-home insurance policy already covers your insurance costs.
New Car Replacement
As soon as you drive your car off the lot, the value of the vehicle drops extensively. In many cases, if you get into an accident, you won’t receive the full value of a new car. This leaves you with reduced options if you need to replace your car.
Fortunately, some car insurance companies now offer new car replacement, which provides you with the value of a new vehicle (rather than a used one).
24/7 Customer Support
While you might assume that all insurance companies offer 24/7 customer support, this isn’t always the case. While many insurance companies now offer 24/7 claims portals via their websites, it’s still essential to check that you can access live person whenever you need support. This can be particularly useful if you get into an accident, and you need immediate information about your coverage or benefits.
It’s often nice to know you have access to your insurer whenever you need it.
Towing Service/Roadside Service
If your car breaks down or you get into an accident, you might be stranded far away from a mechanic and far away from your home. If this is the case, roadside assistance or a towing service can end up costing you hundreds of dollars — in some cases, the price can even enter the thousands.
Fortunately, many insurance companies are now including coverage for these services inside of their policies. Make sure to check the conditions to ensure that all types of towing and roadside assistance are covered.
This is a benefit that many car owners overlook. If you do get into an accident, there might be a chance that you face legal action from others involved. For example, a passenger in another vehicle might try and seek damages against you if they’ve been injured in an accident — even if the accident wasn’t your fault.
Just because an accident wasn’t your fault, doesn’t mean that you won’t have to represent yourself in court. Having legal expenses coverage can help you access an attorney if you face a legal challenge.
Don’t Rush the Process
No matter what, it’s essential not to rush the process of finding a same-day policy. While this might sound counterintuitive, because you need the coverage the same day, it only takes a matter of hours to correctly research policies and insurance providers. By performing due diligence, you’ll be well-positioned to access the perfect policy for you or your family.
Take advantage of the tips listed in this section to find out more about your insurance provider and what they should offer. Don’t take the first quote or insurance provider that you find online — it’s a surefire way to end up ripping yourself off.
Verdict: Same-Day Auto Insurance is Easy
While same-day auto insurance sounds like it would be hard to source, it’s actually extremely straightforward. As you have seen in this article, it only takes a matter of minutes to apply for a same-day auto insurance policy. If you’re at a dealership, you can choose to purchase insurance from your dealer or buy a policy online.
Either way, make sure to have all your core information ready if you want to purchase a same-day policy. If you have to search for documentation, you might not be able to get the insurance as quickly as you need it. Also, using the tips mentioned in this article will help you source the best policy for the most affordable rate — don’t underestimate the importance of comparing the market.
General Same Day Car Insurance Questions
This section covers the basic information you need to know about same day car insurance quotes.
How to get instant auto insurance quotes?
The best way to get instant auto insurance quotes is to go online and use an insurance price comparison tool to get quotes from top insurers.
How to get instant car insurance?
Depending on the state you live in, most companies offer instant coverage. Check online and see what the options are in your area.
How to get auto insurance the same day?
Getting your auto insurance online is the best way to get insurance the same day. Most companies will offer instant policies for online customers.
How instant car insurance works?
Instant car insurance is very simple. You go online, find a policy, and pay your premium to get instant insurance.
How do you get instant proof of car insurance?
You can get instant proof of car insurance by going online and logging in to your account. There will be an option to print your proof of insurance.
Where to get instant car insurance?
State Farm, Progressive, Farmers, and many other insurance companies offer instant insurance in most states.
On what day does auto insurance go into effect?
It depends on your policy and state law. Your insurance card will show you the effective date of your policy.
Same Day Car Insurance in Specific States
We’ll answer questions about same day car insurance in specific states in this section.
Why can't I get same day auto insurance in Maine?
Maine law prohibits same-day auto insurance due to the high requirements placed on insurance coverage in the state.
When did Maine stop allowing same day auto insurance?
Maine stopped allowing same day auto insurance when the internet made getting insurance simple. Maine has high insurance requirements and some same-day policies can’t work with them.
What happens if I go one day without car insurance in Florida?
If you go without insurance for one day in Florida you will lose your continuous coverage discount for your policy and pay more for insurance.
How can I get same-day insurance in Georgia?
Most companies will offer Georgia drivers same day insurance on the phone or through their website.
Same Day Car Insurance and Specific Companies
This section covers common questions about same day car insurance and specific companies.
Does Progressive offer same-day auto insurance?
Yes, you can get same-day auto insurance from Progressive. You can also get same-day coverage through their subsidiary, Esurance. There is also Progressive classic car insurance if that more fits your needs.
How to get Progressive insurance same day when buying car?
You can get same day Progressive car insurance when buying a car by contacting Progressive with the VIN, make, model of the car and your information.
How much is Enterprise car insurance per day?
The price of car insurance per day from Enterprise varies depending on the car you’re renting, the state where you’re renting, and other factors.
How to switch to a dollar a day car insurance?
You can switch to dollar a day car insurance by going to their website and getting a free quote. Keep in mind your quote might be more than $1 per day.
How to get State Farm insurance on a car same day?
The best way to get same day car insurance from State Farm is to buy a policy online. Most online car insurance quotes can be activated the same day.
What happens when you get State Farm car insurance and the next day your car is stolen?
That depends on several factors, like what kind of policy you have, when it starts, and other factors.
Same Day Car Insurance and Buying or Leasing a Car
We’ll cover common questions about getting insurance when buying or leasing a car in this section.
How do you buy instant insurance for your lease car?
You can buy instant insurance for a lease car by going online or calling a car insurance company and providing the required information, including your drivers information and the car’s make, model, VIN, and mileage.
Do you need insurance same day when buying car?
In most situations, yes. Some insurance companies will transfer your old insurance for a short period, but it’s best to have insurance specific to the car you’re driving.
Does car insurance transfer the same day you buy a car?
In most cases, you have a grace period where your previous insurance covers your new car. However, you should check with your specific insurance company to be sure.
How to insure a car same day as buying?
You can insure a car the same day as you buy it by contacting an insurance company and providing the necessary information. This will include information about the car as well as information about you as a driver.
How to get car insurance for the day I bought my car?
Most insurance companies will give you a grace period to update your insurance to a new car. You can also call or go online to change your insurance to your new vehicle.
How many days do you have to change your car insurance?
That depends on several factors, like what state you live in and your car insurance company. Contact your insurance provider for more information.
One Day Car Insurance Questions
We’ll answer one-day car insurance questions in this section.
How much is one day car insurance?
The cost of one-day car insurance can range from $10 to $40, depending on the car, your driving record, and other factors.
Does one-day car insurance cost more than other car insurance?
One-day car insurance costs more on a per-day basis because the company needs to make sure the profit they produce from insuring you is worth the risk they take.
How much to add someone to car insurance for a day?
The cost for adding someone to car insurance for a day depends on lots of different factors. You’ll need to talk to your insurance company for more information.
Where can I buy 1-day car insurance?
Depending on your state, there are lots of options for one-day car insurance. An internet search tool will help you find options in your area.
Who can sell me car insurance for one day?
Most insurance companies are willing to offer temporary or non-owner car insurance. You’ll need to contact a specific company to get information on their policy.
Who qualifies for one day car insurance?
Each insurance company has different standards regarding who can get insurance. You’ll need to speak to a representative to get more information about your situation.
Car Insurance Prices and Billing
We’ll cover price and billing questions for car insurance in this section.
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How much should car insurance cost per day?
The cost of insurance per day depends on lots of factors, including where you live, your car, and your driving record. Look up average insurance prices for your state to get a better answer to your question. There is also pay as you go car insurance which could save you money if you expect your miles to stay low.
When renting a car is insurance for the time or by day or week?
Rental car companies usually offer insurance for the term that you’re renting the car. You’ll need to contact your rental company for more information.
What is the cheapest day to get car insurance?
The cheapest day to get car insurance is any day before your current policy expires so you don’t lose your continuous coverage discount.
What is the best day to renew car insurance?
The best day to renew car insurance is any day before your policy expires so you can maintain continuous coverage.
What is the fee per day for no car insurance?
The fee per day for no car insurance depends on your state and other factors. There may not be a fee at all, but there may be criminal penalties.
Other Car Insurance Questions
If you bought a used car and you crash the same day what happens if I don’t have insurance?
If you don’t have insurance and are liable for the crash, then you’ll be personally responsible for any damages that are caused.
If i change my deductible on my insurance the same day my car gets hit what happens?
That depends on your car insurance company’s policies. You’ll need to talk to a representative to get more information.
Why can’t I get car insurance the same day?
Usually you can’t get car insurance same day if you live in Maine or have special requirements like an SR22.
What if I buy an auto insurance policy and change my mind the next day refund?
Your ability to get a refund depends on state laws and the policies of your insurance company. You’ll need to contact them for more information.
What is 5-day rule for car insurance?
Most policies extend coverage to new cars for 5 days after you get a new car.
What happens if no insurance on car for a day?
If you don’t have car insurance for one day then you’ll lose your continuous coverage status. This will cause your insurance rates to go up.
How many miles a day should I drive to get the best car insurance rate?
It depends on several factors. Generally, the lower your daily miles, the lower your insurance cost will be as you’re not on the road very much.
What happens if I was one day late paying car insurance premium?
That depends on your policy and insurance company. Most companies have a grace period where you can pay your bill late with no penalties.
What happens if I pay my car insurance one day late?
The consequences of paying your insurance one day late depends on your insurance company. Most companies allow a grace period for you to pay your bill without penalties.
When is that last day I’m covered for car insurance?
Your insurance card will tell you what days your car insurance is active.
What is a 30-day declaration of insurance auto insurance?
A 30-day declaration of insurance is what you get when you add a vehicle to an insurance policy.
How to request a 30-day binder from your car insurance?
You can call your insurance company or log in to your account to get a 30-day binder from your car insurance.
What if I cancelled my car insurance a day before turning in plates?
That depends on your state laws. You should contact your department of motor vehicles for more information.
What day to start new auto insurance?
The best day to start new auto insurance is before your old insurance expires so you can maintain your continuous coverage discount.
What happens when you back into a car the day before insurance goes into effect?
If your insurance is not in effect then you will be responsible for any damages that you’re found to have caused.
Why is car insurance more expensive on the day?
Insurance companies can change an additional fee for the convenience of same-day insurance.
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