How Long Does It Take to Get Auto Insurance After Getting Quotes?

If you are inheriting a vehicle or purchasing a new vehicle or used car, you will likely want to be able to drive it right away. While your current automobile insurance policy may cover you from the dealership to your home, in many cases, you will need to get a new auto insurance plan. Whether you are looking for better rates on automobile insurance plans or getting a car insurance policy for the first time, shopping around and getting free quotes on car insurance from multiple companies is essential and one of the best ways to save money.

Each automobile insurance company uses different formulas to determine each applicant’s risk. Due to different formulas being used, car insurance plans can vary in cost from one company to another. One of the questions that is often asked is how long it will take to get an insurance policy after the quote has been completed. Underwriters will take into consideration the location of your home, your age, the vehicle you are getting insurance for, your driving record, and many other factors as well.

How Long Does It Take To Get Auto Insurance After Getting Quotes?

There are many different car insurance companies, and the process for each can be a little bit different. If you are dealing with a car insurance company that utilizes people as underwriters, it can take a little bit longer for you to get your actual policy after the quote occurs. In these cases, the car insurance company will provide you with a letter stating that you have insurance until a specific date. They leave themselves enough time to finish the underwriting process and communicate to you whether or not there are changes in your premiums, changes in your rates, or if they have to deny your application.

Some companies utilize automated underwriting systems. They will give you a car insurance quote for free based on the information you provide them. Once you have given them all of the information they need, the automated system will start to go through a verification process. In most cases, getting a car insurance policy online is the most efficient way to do it. Because some companies will allow you to print out your proof of insurance cards almost instantly after verification, it can be done quickly. It take as little as 15 minutes to get a car insurance policy, depending on your situation. Even with online car insurance quotes, you may need to send additional information to the company you are purchasing a policy from for verification. This may include proof that you are living where you say you are living.

Getting car insurance quotes over the phone can also be done quickly. In some cases, they will give you a policy number that allows you to create an online account where you can print your ID cards out. In other cases, they will email you your proof of insurance for use in a digital format or for printing. Keep in mind that not all states allow people to utilize digital devices when providing their proof of insurance, and that paper proof of insurance could be required. Contact the Department of Motor Vehicles in your state for more information on the specific rules and requirements there.

What Methods Of Getting Auto Insurance Exist, And Which Are The Fastest?

Regardless of which method you choose to do, you can speed up the process by having all of the necessary documentation you need already organized. This will include the VIN, or vehicle identification number, of your vehicle. You also need your driving license number, so the auto insurance company can check your driving history. Also, you will need to be able to pay for your auto insurance plan. Your Social Security number can also be utilized in some states by auto insurance providers.

In most cases, dealing with a car insurance agent in person is one of the slowest ways to get a policy. Some people like the person to person interaction and agents who are aware of the local driving climate can be beneficial when selecting your plan. Once you have set up a meeting, which can take time, you may be able to get your policy printed at the agent's office, so you have it as soon as you walk out the door.

Calling on the telephone tends to be a little bit faster overall. You may still need to email information to the auto insurance company, so having a computer nearby can be a big help. Some car insurance agents and brokers look up prices and policies from multiple companies, so you do not have to do this work. In some cases, you can contact the insurance companies directly by phone and be walked through the process as well.

Most people get free auto insurance quotes online, as it is the best way to compare prices from multiple companies and get a policy fast. At Cheap Auto Insurance, you get free car insurance quotes from multiple companies to help you decide which car insurance policy to buy. Remember to get quotes for similar policies. Deciding how much car insurance coverage you want, and which types, can be immensely helpful in making the process go faster. As always, you will need the required documentation to get a car insurance quote.