Auto Insurance Approval: How Long Does It Take?

Getting approved for auto insurance can take as little as 10 to 15 minutes or up to a few hours, depending on several factors. These include the time taken to choose a provider, the method of purchase, and whether the required information is readily available. Most insurance companies offer same-day coverage, and it typically takes around 10 minutes to fill out an application form. Having the necessary information on hand, such as driver details and vehicle information, can help expedite the process. Once the application is approved and the first payment is made, coverage can begin immediately or on a chosen start date.

How long does it take to get a quote?

The time it takes to get a quote for car insurance depends on the provider and method used. Most major insurers provide a personalized quote online in 10 to 15 minutes. However, the entire process of purchasing car insurance can take anywhere from 15 minutes to a few hours.

The speed of the process depends on several factors, including the time it takes to choose a provider, how you purchase the policy, and whether you have the required information readily available.

If you are well-prepared, buying car insurance can be a speedy process. Here are some tips to help you get a quote and purchase car insurance quickly:

• Have all the necessary information ready: This includes personal information, such as the names, dates of birth, driver's license numbers, and Social Security numbers for all drivers. You will also need the Vehicle Identification Numbers (VIN) for all vehicles, your address, and an estimation of your annual mileage.
• Understand how much coverage you need: Familiarize yourself with the minimum car insurance coverage required by your state and consider other factors such as where you live and how much you are willing to pay out of pocket.
• Use online resources: Online quote generators and review sites can help you compare quotes from multiple providers at once and choose the best option for your needs.
• Consider using a mobile app: Some insurance companies offer instant quotes through their mobile apps, making it convenient to request a quote on your smartphone.
• Call an agent: If you prefer to speak to someone directly, you can call an insurance agent on the phone. This option may be slightly slower than getting an online quote but can provide the benefit of having your questions answered.

By following these steps, you can obtain a quote and purchase car insurance in a timely manner, ensuring that you have the necessary coverage in place.

How long does it take to get a car insured?

The time it takes to get car insurance depends on several factors, including the method of application, the type of car, claims history, and completeness of the application. The entire process can take anywhere from 15 minutes to a few hours.

Application Method

Applying for car insurance online is the fastest method, taking about 10 to 15 minutes. Some companies also offer mobile apps that allow you to request a quote on your smartphone. Purchasing insurance over the phone or in person by visiting an agent may take longer.

Type of Car

Insuring a classic or rare car may require a specialised policy, typically acquired through a full underwriting process. These cases are usually handled by a human underwriter, resulting in a longer processing time.

Claims History

If you have a history of multiple insurance claims, an underwriter may need to review your file, causing a delay in obtaining coverage.

Completeness of Application

Having all the necessary information readily available can expedite the process of getting car insurance. This includes personal information, such as the names, dates of birth, driver's license numbers, and Social Security numbers of all drivers, as well as vehicle information like Vehicle Identification Numbers (VIN) and annual mileage.

Additionally, it is important to know the amount of coverage you need, including any additional coverage options beyond the state's minimum requirements. Comparing quotes from multiple insurance companies can also help ensure you get the best deal, although it may take more time.

Once you have submitted your application and made the initial payment, your car insurance can become active on the same day or a later date of your choosing.

What do you need to get a quote?

To get a car insurance quote, you'll need to provide some personal information, details about your car, and your driving history. Here's a detailed list of what you'll need:

Personal Information

• Full legal name
• Date of birth
• Address
• Occupation
• Contact information (phone number and email address)
• Social security number (not always required, but sometimes asked for)
• Marital status
• Driver's license number

Vehicle Information

• Vehicle identification number (VIN)
• Make, model, and year of your car
• Whether you finance, lease, or own your car
• Estimated weekly/annual mileage
• Details of your current auto insurance policy (if applicable), including the insurance carrier, coverage details, and policy expiration date

Household Information

Names, birthdates, and relationships to the primary policyholder for everyone in your household, including non-drivers (for some providers)

Driving History

Information about your driving history, including any past tickets and accidents

Having this information ready will help you get an accurate quote quickly. It's important to note that the requirements may vary slightly between different insurance providers. Additionally, some providers may ask about accident prevention course completion or offer discounts for certain safety features or programs.

What causes delays in getting car insurance?

The time it takes to get car insurance depends on several factors, and while it usually takes anywhere from 20 minutes to a few hours, certain factors can cause delays. Here are some reasons why obtaining car insurance may take longer in some cases:

• Application method: Applying online is typically the fastest method, but only if you know what coverage you need and have a preferred insurance provider. Calling the company may provide a more personalized experience and allow you to ask questions, but it might take longer than obtaining an online quote.
• Incomplete application: Missing information or required fields on your application can slow down the process. The insurance company may need to contact you to fill in the missing details, causing a delay.
• New to the area: If you've recently moved, especially to a different state, your insurance rates and requirements may change. Insurers need to verify your new address or where you plan to keep your car most of the time.
• Insuring a classic car: Insuring a classic or rare car may necessitate a specialized policy acquired through a full underwriting process. These cases often require a human underwriter's review, which takes longer than automatic underwriting.
• Claims history: Risk assessment is a crucial factor for insurance companies. If you have a history of multiple insurance claims, an underwriter may need to conduct a thorough review of your file, causing a delay.
• Specialty policies: Certain drivers, such as rideshare drivers, high-risk drivers, or those with classic or collector's cars, may require specialty policies. These cases can take longer due to additional considerations or appraisals.
• Deliberate delay tactics: Insurance companies are in the business of making money, and they may employ various tactics to delay paying claims. This includes requesting unnecessary additional information, not promptly responding to communications, or delaying investigations.

While obtaining car insurance can be a straightforward process, addressing these potential causes of delay can help ensure a smoother and faster experience.

How to get car insurance quickly?

Getting car insurance can be a speedy process, and it's possible to get covered on the same day. Here are some tips on how to get car insurance quickly:

Understand how much coverage you need

Firstly, you should know how much coverage you require. A good starting point is to find out the minimum car insurance coverage required in your state. However, you may want to consider additional factors, such as where you live and how much you're willing to pay out of pocket if you exceed your coverage limit.

Have all your personal information ready

Make sure you have all the necessary information for all the drivers who will be included on the policy. This includes:

• Full name
• Date of birth
• Driver's license number
• Social Security number
• Address
• Estimated annual mileage
• Vehicle identification number (VIN)
• Vehicle make, model, and year
• Current insurance policy details, if applicable

Research the insurance companies

It's important to understand your insurance options by reading company reviews and comparing quotes from multiple insurers. This will help you find the best combination of coverage, rates, and service.

Get multiple quotes at once

Instead of getting quotes from different companies individually, use an online marketplace or a comparison tool to get multiple quotes simultaneously. This will save you time and allow you to easily compare rates and coverage options.

Finalize your policy

Once you've chosen the best option, submit any additional documentation, select your desired coverage start date, and make your first payment. Your coverage will typically take effect immediately upon payment.

By following these steps, you can obtain car insurance quickly and ensure you have the necessary coverage to stay legal on the road.

Frequently asked questions