How Long Does It Take to Get Car Insurance?

Many situations cause drivers to need car insurance quickly. The good news for drivers is that car insurance doesn’t take long to get. For most drivers, it only takes a few minutes and the policy will go into effect the same day. 

Here’s what you need to know about how long it takes to get car insurance. To learn more or get a free auto insurance quote, contact GoAuto Insurance. 

Reasons Drivers Need Car Insurance Quickly 

It’s not uncommon for drivers to need car insurance to go into effect immediately. Some reasons drivers need same-day insurance coverage are: 

• The purchase of a new car. Lenders usually require proof of insurance to finance the purchase of a new vehicle. 
• Expiration of a current policy. When drivers want to change insurance companies, they often have a limited period to activate new coverage. 
• Moving out of state. If a driver’s current insurance company does not provide coverage in the state where a driver is moving, new insurance is required. 
• Registering a vehicle. Most states require proof of insurance to register a vehicle. 

Fortunately, it only takes a few minutes to purchase car insurance that can go into effect the same day. Contact GoAuto Insurance for a fast car insurance quote. 

The Process for Buying Car Insurance

Purchasing car insurance is a relatively easy process. For most drivers, the most time-consuming part is deciding which company to use. 

There are a few ways to do this: 

• Read reviews and select a car insurance company based on customer reviews
• Contact multiple companies directly to get quotes

Once you’ve selected the company you want, all you need to do is: 

• Provide personal information 
• Select a date for your coverage to start
• Make your first payment 

What Personal Information Do You Need to Get Car Insurance? 

One factor that can slow down the process of purchasing car insurance is not having the necessary personal information available. The personal information you’ll need to buy car insurance is: 

• The full names of all drivers
• The birthdates of all drivers
• The driver’s license number of all drivers
• The social security number of all drivers
• The vehicle’s VIN 
• The policyholder’s address
• The address where the vehicle will be kept 
• The estimated miles the car will be driven each year
• The declarations page from your most recent car insurance policy 

How to Speed Up the Process for Purchasing Car Insurance

Being prepared can help make the process of purchasing car insurance go smoothly. To ensure the process goes as quickly as possible, drivers should: 

• Know the coverage they need. States have minimum insurance requirements and lenders have specific insurance requirements. Drivers who know the coverage they need can more quickly find and purchase car insurance policies. 
• Have all personal information ready. Missing or inaccurate personal information will slow down the process of buying auto insurance. Drivers should have all personal information ready to go and always provide accurate information. 
• Get multiple quotes at once. Using online tools can help drivers get multiple quotes at once. This makes shopping for insurance quicker and easier. 

Factors That Impact How Long It Takes to Get Car Insurance

While most drivers can get car insurance in a few minutes, several factors impact how long the process takes: 

• The insurance company you pick 
• Whether you get quotes online, by phone, using a mobile app or in person
• Your access to personal information 
• The accuracy of the information you provide 
• When you make your first payment
• When you want your policy to go into effect 

Given the various factors that impact how long it takes to get auto insurance, it’s a good idea to allow extra time if possible. In fact, some companies offer a discount to drivers who purchase insurance at least a week before it goes into effect.

If possible, it’s a good idea to allow a couple of weeks to compare insurance companies, get quotes, and activate your policy. That said, if you don’t have that much time, most car insurance companies can activate a policy the same day you purchase it. 

Contact GoAuto Insurance for a Free Quote

GoAuto works directly with drivers to personalize quotes. Our process is quick and easy. The GoAuto team helps drivers find the coverage they need and creates a personalized plan for each driver. 

Our streamlined process makes it simple for drivers to purchase and activate affordable car insurance. Call us today to learn more or get a free quote.