It takes between 20 and 60 minutes to get car insurance in most cases. How long it takes to get car insurance depends on how you apply and whether you have the required documents ready.
Car insurance companies may offer as many as three ways to obtain coverage: online, by phone, or in person. Getting car insurance coverage online is fastest. Most insurance providers say that you can get a policy online in just a few clicks, or in a few minutes.
Once you’ve completed your application, the insurance provider can usually give you proof of insurance that day, then mail you an insurance card within approximately 5 to 10 business days.
If this is your first policy or you are not currently covered by an insurance provider, your coverage can start the day you complete your application and payment.
If you are already covered by another provider at the time of your application, you can choose when you want your new coverage to start. You will also need to cancel your old policy. Sometimes, your new provider will handle this process for you.
Whether you’d prefer to get car insurance online, by phone or in person, it is a good idea to prepare your personal and vehicle information, as well as your preferred payment method, before you start the application.
It is also a good idea to familiarize yourself with the kind of insurance coverage you will need. If applying online, most insurance companies will let you add and remove coverage options until you find the coverage, premium and deductible that work best for you. If you are applying by phone or in person, you will be able to work with an agent do this. We suggest reviewing several quotes before making a final decision.
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