Cheap Same-Day Car Insurance: How to Get Covered Fast

 

Cheap Same-Day Car Insurance: How to Get Covered Fast


Finding affordable, same-day car insurance has never been easier. With online tools from leading insurers like GEICO, Progressive, Allstate, and more, you can get covered instantly—no hassles, no spam, and no endless sales pitches. Just quick, reliable insurance options tailored to your needs.

Why Do You Need My ZIP Code?
Insurance rates vary by location, so entering your ZIP code helps provide the most accurate quotes for your area.

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By Kristine Lee | Updated August 21, 2024
Reviewed By Mark Friedlander | Edited By Renata Balasco

Can You Buy Same-Day Car Insurance?

Yes, you can! Most insurance companies offer the option to get covered on the same day, whether online or over the phone. Using online quote tools or contacting a licensed insurance agent can have you insured and on the road in no time. At The Zebra, 20% of our customers need immediate coverage, and we’re here to make that process seamless. Our platform allows you to compare options from both large and small insurers, ensuring you find the right policy instantly and for free.

Key Takeaways:

  • The easiest way to get same-day car insurance is to purchase a policy online.
  • Shopping for insurance online is safe and reliable.
  • Most major insurers offer online quotes.
  • Our data shows that Travelers, USAA, and Nationwide offer the cheapest online rates.

What You Need to Get Insurance Instantly

To get an accurate insurance quote quickly, have the following information ready:

Personal Information (for each driver):

  • Driver’s license number
  • Date of birth
  • Address
  • Marital status

Vehicle Information:

  • Make, model, and VIN of the vehicle
  • Mileage
  • Purchase date
  • Registered owner’s name
  • Driving history, including accidents and claims
  • Car insurance coverage history (some companies require six months of continuous coverage)

Steps to Get Car Insurance Now:

  1. Prepare Your Information: Gather all necessary details for a smooth application process.
  2. Select Coverage Options: Liability-only coverage is cheaper but offers less protection. Full coverage is more comprehensive but costs more. Make sure your coverage meets the requirements of your lease or loan agreement.
  3. Get Quotes: Use The Zebra’s quote tool or visit insurer websites directly to get personalized quotes.
  4. Pay and Start Your Policy: Avoid a lapse in coverage by starting your new policy before canceling your old one.

Need Help? Call Us at 1-888-255-4364 to Speak with a Licensed Insurance Agent.

How Long Does It Take to Get Auto Insurance Online?

You can typically secure a new policy in less than an hour. If you're simply updating an existing policy, it may take just a few minutes. To streamline the process, have all the necessary information ready when you request a quote.

Instant Car Insurance: Risks to Consider

While getting same-day insurance is convenient, there are some potential drawbacks:

  • Underwriting Delays: For unique or valuable cars, the underwriting process might take longer than a day.
  • Missed Savings Opportunities: Rushing to get insurance may lead to missing out on better deals or discounts.
  • Possible Denial of Coverage: Although rare, factors like a risky driving record or poor credit can result in coverage denial.

Why You Might See a Delay in Coverage

Some factors can delay the start of your car insurance:

  • Lack of a permanent address
  • A poor driving record with multiple accidents or citations
  • Owning a rare or classic car
  • Having poor credit

If you encounter any of these issues, it might be best to call the insurance company directly for assistance.

Is It Safe to Buy Car Insurance Online?

Absolutely! Buying car insurance online is generally safe and convenient. Using comparison tools like The Zebra ensures that you can find the best coverage at the best price, with options from a variety of trusted insurers.

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