Instant Auto Insurance: Same-Day Coverage

Yes, you can get auto insurance on the same day. Many insurance companies offer the option to buy car insurance online instantly, where you can get a quote, pay, and print proof of insurance in minutes. However, same-day coverage can result in a higher policy cost, and you may miss out on discounts for buying in advance.

How to get same-day car insurance

Getting same-day car insurance is possible with many auto insurance companies, including Progressive, Farmers, Liberty Mutual, and Geico. Most major auto insurance companies allow you to buy car insurance online instantly, where you can get a quote, pay, and print proof of insurance in minutes.

Here's how to get same-day car insurance:

Gather Necessary Information

Before starting your search for same-day car insurance, ensure you have the following information readily available to expedite the process:

• Personal information, such as your name, date of birth, and driver's license number.
• Vehicle information, including the make, model, year, vehicle identification number (VIN), and mileage.
• Your address, including where you plan to garage or park the vehicle.
• Information about your current insurance policy, coverage limits, and expiration (if applicable).
• Details of any tickets or accidents in your driving history.
• Payment method, such as banking information or a debit card, to make the initial payment.

Determine Your Coverage Needs

When you're in a rush, it's easy to settle for the minimum amount of coverage required by your state. However, it's important to ensure you have adequate coverage to meet your needs. You can always review and adjust your policy later, but considering your coverage needs upfront will help you make a more informed decision.

Get Multiple Quotes

If time permits, try to obtain at least three different quotes from trusted companies offering same-day auto insurance. Most major auto insurance providers allow you to complete a quote quickly, making it easier to compare coverage and rates.

Buy Your Policy

Before purchasing your policy, carefully review the coverage and rates offered. Remember that most insurance companies require payment before your coverage can begin.

Obtain Proof of Insurance

Once you've paid for your policy and your coverage has started, obtain proof of insurance or a digital insurance card. This is crucial, as most states require you to carry proof of insurance in your vehicle at all times. Most companies offering online same-day insurance will allow you to print a temporary hard copy or access your proof of insurance cards online until your physical cards arrive.

While obtaining same-day car insurance is convenient, it's important to select a reputable insurer with strong financial standing to ensure they will be there when you need to file a claim. Additionally, keep in mind that same-day coverage may result in a higher policy cost, and you may miss out on potential discounts offered for buying insurance in advance.

What you need to get same-day car insurance

Getting same-day car insurance is possible with many auto insurance companies, including Progressive, State Farm, American Family, Geico, and Liberty Mutual. Here's what you need to get it:

Personal Information

You will need to provide your personal information, such as your full name, date of birth, and driver's license number. Some companies may also ask for your Social Security number.

Vehicle Information

Details about your vehicle, such as the make, model, year, vehicle identification number (VIN), and current mileage, are essential. Knowing how many miles you plan to drive your car is also helpful.

Payment Information

Be prepared to make the first month's payment or pay for the policy in full. Most companies require payment before your coverage can start. Have your credit or debit card information ready.

Current Insurance Policy Details

If you have an existing auto insurance policy, provide the details to your new insurer. This helps them understand your coverage needs and any discounts you may be eligible for.

Driving History

Your driving record, including any tickets or accidents, is important for insurers when determining your rates. Be honest and transparent about your driving history.

Address Verification

Insurers need to verify your home address, and they may use your credit record for this. If you have recently moved, they may not be able to verify your address immediately, which could delay approval.

Compare Quotes from Multiple Companies

Although you may be in a rush, it is beneficial to get quotes from at least three trusted companies to compare coverage and rates. This ensures you get the best value for your needs.

Understand Your Coverage Needs

When getting same-day insurance, it's easy to opt for the minimum coverage required by your state. However, it's important to ensure you have adequate coverage to avoid being underinsured.

Once you have your same-day car insurance, you can always review your policy and make any necessary adjustments. You can also discuss additional coverage options and discounts with your insurer to optimise your plan.

Is same-day car insurance legitimate?

Yes, same-day car insurance is legitimate and available from many major insurers. Companies such as Progressive, Geico, State Farm, and Liberty Mutual all offer same-day car insurance. You can get a quote and buy car insurance online immediately from many of the largest and most affordable insurance companies. You can often even buy coverage on your phone, so you don't need a computer to do it.

However, there are some downsides to same-day insurance. You won't have much time to shop around and compare quotes from multiple insurers, and you might miss out on a small buy-in-advance discount. In addition, some insurers may require a waiting period for your policy to begin, so it's important to ask the insurer or agent exactly when the policy will become effective.

To get same-day car insurance, you'll need some basic information, including your personal information (name, date of birth, driver's license number), vehicle information (make, model, year, vehicle identification number), and payment information. It's also a good idea to gather information about your current insurance policy, if you have one, and your driving history.

Keep in mind that same-day coverage may result in a higher policy cost, as some insurers offer discounts for quoting a certain number of days in advance. It's also important to note that same-day car insurance is not the same as "temporary" car insurance, which allows you to buy a policy for a day, week, or any time period less than six months.

Is same-day car insurance more expensive?

Yes, obtaining same-day car insurance may result in paying a higher premium. Progressive and other insurers may offer discounts for quoting a certain number of days in advance. For example, Allstate offers an Early Signing Discount® if you buy an auto insurance policy at least one week before you need to use it.

However, it's important to note that same-day car insurance won't always cost you more than a normal insurance policy. It is recommended to compare quotes from multiple companies to ensure you get the best rate.

Additionally, there are other factors that can affect the cost of your car insurance, such as your age, driving history, location, vehicle, and credit history.

Companies that offer same-day car insurance

Many major auto insurance companies offer same-day car insurance. This includes State Farm, Auto-Owners, Hugo, Progressive, and Liberty Mutual. Smaller insurance companies are more likely to ask you to call one of their agents or go into an office to secure a policy.

To get same-day car insurance, you'll need to gather some information, such as your driver's license number and vehicle identification number (VIN). You'll also need to be prepared to pay for at least the first month of your policy.

It's a good idea to get multiple quotes to ensure you're getting the best deal. However, keep in mind that buying same-day insurance may result in a higher premium, as some insurers offer discounts for buying a policy in advance.

Frequently asked questions