Need Car Insurance Now? Here’s How to Get It Fast

Your problem is you need car insurance now. Like… right now. You can get insured quickly, especially if you’re just adding a vehicle to an existing policy. It’s worth noting that if you’re buying a new car, some auto insurance companies actually allow your current coverage to absorb the new vehicle for a matter of time, too. Below, we have more information about car insurance and how to get it fast.

You May Not Need Car Insurance

If you need car insurance quickly because you’ve just been pulled over by the police, there is no way to get instant car insurance. However, note that if you have an existing auto insurance policy, you probably don’t need insurance on a car you just bought. Call your insurance company before taking your new car home to be sure of its policy.

Your state usually allows 45 days for you to pay taxes, provide proof of insurance and get the car registered. Your insurance company may provide automatic coverage for new vehicles equal to the best insurance coverage you have. This temporary insurance usually lasts 4 days. This means you’re free to drive it home without proof of insurance for that exact car. But if you’re driving the car, get auto insurance soon after the purchase.

How to Get Car Insurance as Fast as Possible

You can get insured fast when signing up with any major insurance provider. Although it may take a little longer than the “two minutes” sometimes advertised, you can get car insurance quickly by choosing a policy from a reliable insurer and being sure to provide the full information it needs to instate your policy. Two minutes is usually the time it takes to get a quote. The exact figure comes after you provide the company with your personal information, including:

  • Your social security number
  • Your driver’s license number
  • Your address
  • How many miles you typically drive (and where)
  • Information about the car (year, make, model, condition)
  • Information about your past traffic violations

Once insured, there are several convenient ways of proving you have car insurance. The first is to print out the form the insurance company can email you. The next is to simply pull up proof of registration via your smartphone.

Fast Car Insurance Usually Means Low-Cost Auto Insurance as Well

I have my insurance through GEICO. Reason being, they are a fantastic company (owned by Warren Buffett) and they gave me the lowest rate around — I pay less than $20 for car insurance on my car.

Getting your insurance through a tech-savvy company like GEICO or Esurance has its advantages. These companies know how to get things done quickly, may provide their services at a lower price, and have online account options and apps to help you make sure your policy is always up-to-date.

To learn about GEICO’s cancellation policy, see our article.

Skip Aggregation Sites to Get Your Quote Fast

Auto insurance aggregation sites typically don’t help you get insured any faster. Using an aggregator can take more time than calling each company for a quote. The aggregation site may require a lengthy questionnaire before showing any quotes, may flood your inbox with spam, and may not even offer accurate quotes. Good 2 Go Auto Insurance is one exception; its design is clean and it doesn’t spam you.

Suggested article: The List of Car Insurers That Don’t Care About Your Credit Score

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