UPDATED: Mar 13, 2020
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Auto insurance is one of the simplest types of insurance to get. Unlike health insurance, you don’t have to take a medical exam and have the results assessed, and unlike homeowner’s insurance, you don’t have to have a myriad of factors taken into consideration, such as the size, age, condition and location of your home. All that is needed to get car insurance is your credit score, driving record and some details about your vehicle. With that information, a carrier can determine what type of policy they can offer you and provide you with a quote. And, usually, quotes can be given online or over the phone, which certainly helps to speed up the process.
If you are shopping for auto insurance, it goes without saying that you want to get the best rates possible, and you want to have it activated as soon as possible. The better the rate, the more money you keep in your pocket, and the quicker it’s activated, the sooner you can start driving with the security of knowing that if something happens, you are protected. But, you may be wondering how long it takes to actually have your insurance take effect once you find a quote that you approve of and an insurance carrier that you want to cover you.
The length of time it takes to have your auto insurance policy activated depends on a number of factors, including the company that you are working with, the method that you choose to get a quote, and whether or not you have all of the information that is needed to provide you with an accurate quote when getting a quote.
In-Person is the Slowest
Actually going to an insurance agency to get a quote will take the longest to get your insurance activated. Why? Because it takes time to actually go to the company and it will take some time for the insurance agent to process your information. You will either need to walk, bike, drive, or take public transportation to get to the agency, and then once you are there, you might need to wait a minute in the waiting room before being spoken to. With that being said, as long as you have all of the information that is needed, it should take about an hour – give or take – to get a quote and have your insurance activated.
Phones are Faster
Phoning an insurance agency will result in getting a faster quote and faster activation of your auto insurance. Why? – Well, because you eliminate the need to actually go to the company. Additionally, if you don’t have to remember to bring all of your information with you (though you should certainly have it on-hand to make the process of getting a quote and having your insurance activated as fast as possible.) It can take just a few minutes to get a quote over the phone and once you accept that quote, it takes just a few minutes to have your insurance activated.
Online is the Fastest
Without a doubt, the fastest way to get a quote and get your auto insurance activated is online. Why? – Because all you have to do is input the necessary information to get a quote. Once you accept the quote, your insurance will be activated almost immediately.
Fortunately, there are many websites, including this one, that offer car insurance quote comparison services. Simply enter your zip code above, or click the banner below, follow the instructions, fill out the brief questionnaire, and you can be insured in no time.
Things to Keep in Mind
No matter what method you choose to get an auto insurance quote, there are a few things that you should keep in mind.
Firstly, make sure that you have all of the information that is needed to get a quote on-hand. You will need a record of your driving history, including any tickets you have gotten, the year, make and model of your car, the vehicle identification number (VIN), whether or not you have a loan on your car or if you own it outright (if you own it outright, you will need to have proof of ownership), your license and your credit score. Additionally, if you want to set up automatic payments, make sure that you have your bank account information handy.
It’s also important to note that even if you do have all of the information that is needed to get a quote and process your request for insurance coverage once you accept a quote, there are some factors that could slow the process. For instance, if you aren’t sure what type of insurance you would like, or if you want to customize your insurance coverage, it will take some time to do so. Also, bear in mind that it will take a few minutes to fill out the application, no matter what method you have chosen to attain your quote. Additionally, the company that you choose to get your insurance from will also impact the amount of time it takes to get a quote and to have your insurance activated.
From the beginning to the end, it can take an hour or so, or just a few minutes, to get your auto insurance activated after getting and accepting a quote. Therefore, depending on your time restraints, make sure to choose the method of receiving your quote wisely!