It’s possible to get quick car insurance coverage. In fact, it is possible to go from quote in minutes. Before you begin shopping for car insurance, be sure to have all of the necessary information.
What are the requirements to obtain car insurance?
This information will help you to quickly and easily find car insurance.
- Name
- Date of birth
- Number of driver’s license
- All vehicles covered by the Vehicle Information Numbers
- Address
- Driving record (past tickets, accidents)
- Insurance policy details: Make and model
- Annual mileage estimates
Insurance companies may ask you if the car is being used for pleasure or work. After you have all this information, you can start to determine how much auto insurance you will need.
How much do you need car insurance?
Minimum requirements are required in most states for auto insurance coverage. When purchasing auto insurance, it is important to get coverage that meets or exceeds these minimum requirements. As a guideline, find out what the minimum requirements are in your area.
There are many types of coverage. There are many options for coverage. Liability insurance is required in most states.
Common types for car insurance
|
Coverage type |
What’s Covered |
What? |
| Liability | Bodily injury liability and property damage liability are included | Most states require it |
|
Bodily injury |
If you cause an accident, costs related to injuries sustained by another person | Other damages may also be covered |
|
Property Injury |
In an at-fault accident, you can cause damage to property of another party | Your policy may limit your coverage |
| Uninsured or underinsured driver | Accident costs for drivers without insurance | In some states, this coverage is required and in others it’s optional. |
| Collision | Accidents with other vehicles or objects can result in vehicle repair or replacement costs. | This is usually an optional state law. However, it may be required if you lease or finance your car. |
|
Comprehensive |
Fire, vandalism, vandalism, and other natural disasters can cause damage. | This is usually an optional state law. However, it may be required if you lease or finance your car. |
|
Health Insurance |
Injuries resulting from an accident that results in injury, which covers you and your passengers in the vehicle. | This coverage is usually optional but mandatory for two states (ME and WI); additional coverage beyond PIP |
|
Personal Injury Protection |
Similar to medical payment coverage, but covers a wider range of accident-related costs and losses | Some states make it mandatory; others can choose to be optional |
|
Rental reimbursement |
After a covered insurance claim, you can rent a car to use while your vehicle is being repaired | Optional |
Your driving habits, driving record, location, and driving history all affect the cost of your overall coverage. The amount of coverage you purchase and your deductible will affect your rate. Buying less coverage and increasing your deductible can lower your monthly premium.
Take into consideration bundling and discounts
Insurance companies may offer discounts on car insurance for certain drivers. For example, drivers who have been in an accident-free period of time or who have taken defensive driving classes.
Some carriers offer discounted rates to policyholders who bundle their coverage. This means that you can purchase multiple policies (such as auto and home) from one insurance company.
Use-based insurance models
Your driving record can directly affect the price of your insurance policy. In some cases, insurers may track your driving habits, such as hard braking, speed, and where you are driving. They then use this information to calculate your premium.
Insurance companies can also monitor your mileage. This is usually done using a telematics device. You will pay a flat rate and a per mile rate. The more you drive, the greater your premium.
How can I get started with my car insurance?
You can get a quote online, or by calling an agent to discuss your policy.
Make sure that there is no coverage gap between the old and new policies when you pick the date for your policy to start. This will prevent you from being financially exposed during a coverage gap. You could be subject to higher rates if you have a lapse in coverage.
You should also cancel your existing policy to avoid being liable for two policies.
How long will it take for car insurance coverage to start?
After you have paid for the policy, your coverage should start immediately. With insurers who offer digital insurance cards, you will likely be able download your card to your smartphone. You can also print your policy documents.
FAQs on how long it takes for car insurance
Is it possible to get car insurance without owning a car?
Car insurance can be purchased even if you don’t have a car but plan to. This policy is known as a non-owner car insurance policy. It’s worth considering if you are a frequent borrower of cars or if you rent a car that doesn’t have insurance.
Is car insurance possible?
If you want your policy to start the day after you make payment, you can have car insurance in effect the same day as you purchase it. Usually, your coverage begins after you have paid the premium.
Is it possible to get one-day car insurance?
Most auto insurance companies offer policies that have a minimum term six months. Temporary car insurance options such as rental car or permissive use coverages are available. Insurance companies that offer single-day coverage should be read carefully.