Auto Insurance: Can I Get Covered Now?

Yes, you can get auto insurance now. In fact, you can get same-day car insurance from nearly any major auto insurance company in a matter of minutes by going online and requesting an instant quote. You can also call an insurance agent or use a broker. Your new insurance will take effect the same day you make your first payment.

However, there are some disadvantages to buying immediate car insurance. For example, you might miss out on a discount for buying in advance. You also won't have much time to shop around and compare quotes from different providers.

How to get auto insurance now

Getting auto insurance now is a straightforward process that can be done online, over the phone, or in person. Here is a step-by-step guide on how to get auto insurance instantly:

Gather Information:

First, collect all the relevant information about yourself and your vehicle. This includes:

• Basic personal details such as name, address, date of birth, and driver's license information for all drivers on the policy.
• Vehicle information, including the make, model, year, Vehicle Identification Number (VIN), current mileage, and any safety features or anti-theft devices.
• Driving history, including any accidents, tickets, or violations for all drivers.
• Current insurance information, if applicable, including the insurance company and coverage limits.

Determine Coverage Needs:

Decide on the amount and type of coverage you need. In addition to the minimum requirements in your state, consider factors such as the value of your car, where you live, and your financial situation. You may also want to include additional coverage options like collision insurance, comprehensive insurance, or personal injury protection.

Choose How to Shop:

You can purchase auto insurance directly from an insurer, use a captive agent who works for a single company, or an independent agent or broker who can offer quotes from multiple insurers. You can also use online comparison sites to get quotes from multiple companies at once.

Compare Quotes:

Get quotes from at least three different companies to ensure you're getting the best rates and coverage for your needs. Make sure you're comparing policies with the same coverage limits, deductibles, and discounts.

Purchase the Policy:

Review the coverage and rates offered by the insurer before purchasing. Most companies require payment before the coverage starts. You can often get a discount by paying the full term upfront or by using automatic withdrawals.

Get Proof of Insurance:

After purchasing the policy, obtain proof of insurance or a digital insurance card. This is required by law in most states, and you'll need it to drive your car off the lot if you're buying a new vehicle. Many companies offer temporary proof of insurance cards that you can print or access online until your official cards arrive.

By following these steps, you can get auto insurance instantly and ensure you're properly covered. Remember to review your policy regularly and compare rates from different providers to get the best value.

What auto insurance coverage is required by law

Auto insurance is required by law in almost every state, with some exceptions. The specific coverage mandated by law varies from state to state, but there are some commonalities.

Liability insurance is required in nearly all states. This coverage includes bodily injury coverage per person, bodily injury coverage per accident, and property damage coverage per accident. These limits are usually expressed as a series of numbers, such as 15/30/10. For example, with the hypothetical limits of 15/30/10, your liability coverage would pay up to $15,000 per person for bodily injuries, with a total of $30,000 in bodily injury costs for the incident, and $10,000 in property damage coverage.

Uninsured/underinsured motorist coverage is required in almost half of the states. This coverage helps pay for the cost of injuries to you and your passengers if you are hit by a driver with little or no insurance. In some states, uninsured/underinsured motorist property damage coverage is also required to cover property damage in these cases.

Personal injury protection is required in roughly 20% of states. This coverage pays for medical expenses for the insured and their passengers if they are in an accident, regardless of fault. It can also cover lost wages or other benefits not covered by health insurance.

Medical payments coverage is required in Maine, New Hampshire, and Pennsylvania. This coverage goes towards medical expenses due to injuries from a car accident and covers you, your family, or your passengers.

While these are the coverages mandated by law in different states, there are other types of coverage that are often included in auto insurance policies, such as comprehensive and collision coverage, roadside assistance, and rental reimbursement.

How to get a free quote for auto insurance

Yes, you can get auto insurance now. Many companies offer same-day insurance, and you can get a quote and buy car insurance online immediately. You can even do this on your phone. However, it's worth noting that buying same-day insurance doesn't allow you much time to shop around, and you may miss out on a buy-in-advance discount.

To get a free quote for auto insurance, you'll need to provide some personal and vehicle information, along with a brief driving history. This will help determine your coverage needs, deductible, and policy cost. The specific details you'll need include:

• Your full name, driver's license, and Social Security number.
• Your legal and mailing address.
• Your vehicle identification number (VIN).
• The make, model, and year of your car.
• The date you bought your car and its current mileage.
• Your current auto insurance policy details, if you have one.
• Your credit or debit card number.

You can get a free quote from many large insurance companies, including State Farm, American Family, and Geico. Progressive also offers a free quote service, with customers earning an average of seven discounts.

What information is needed to get auto insurance

To get a car insurance quote, you'll need to provide some personal information, details about your car, and financial information.

Personal Information

• Full name, date of birth, and marital status
• Number of years licensed in the US or internationally
• Driving history, including any accidents or traffic violations
• Safe driving courses completed
• If a student driver, recent grades (as good grades may qualify for a discount)
• Occupation and professional affiliations
• Social Security Number (this may be required for identification and risk assessment)

Vehicle Information

• Vehicle make, model, year, and safety features
• Vehicle Identification Number (VIN)
• Vehicle title
• Vehicle registration
• Vehicle mileage
• Vehicle parking accommodations
• Any anti-theft devices, such as GPS trackers
• Any vehicle modifications
• Name of the registered owner or owners

Financial Information

• Credit or debit card number
• Banking information, such as a voided check or account number (especially if you plan to have payments taken out of your checking account)

In addition to the above, you may also need to provide information about your current or previous insurance policy, as well as details about other drivers in your household.

How to compare auto insurance quotes

Yes, you can get auto insurance now. Many large, affordable companies like State Farm, American Family, and Geico offer same-day insurance. You can get a quote and buy car insurance online immediately from many of the largest and most affordable insurance companies. You can even buy coverage on your phone.

When comparing auto insurance quotes, it is important to select the same coverage, policy limits, and deductible amounts to get a comprehensive view of each insurer's offerings. Here are some steps to help you compare auto insurance quotes:

• Get a quote with Progressive: Use Progressive's AutoQuote Explorer® tool to get a quote that includes all the car insurance coverages you want. Make sure to list everyone who regularly drives your vehicle.
• Compare rates from other companies: Progressive will first show their direct rate. Then, you can compare car insurance rates from other companies by looking for the "compare rates" button or callout.
• Save on your car insurance: Once you have compared car insurance rates, you can find the cheapest auto insurance rate that matches your coverage needs.
• Consider a reputable comparison platform: Look for options that provide real-time quotes and don't sell your data. Avoid lead-generation sites that could result in spam calls, emails, or text messages.
• Explore discounts: Most insurers offer discounts for things like good driving records, vehicle safety features, and paying your premium in full.
• Manage your payments: Be prepared to make a down payment and set up a monthly or quarterly payment plan if needed.

It is important to note that car insurance rates can vary based on factors such as age, location, driving history, vehicle type, and coverage options. By following these steps, you can effectively compare auto insurance quotes and find the best option for your needs.

Frequently asked questions