Cheap Instant Car Insurance Quotes Online [Free & Same Day]

If you need auto insurance today, you might be wondering if it's possible to purchase ‘same-day' insurance. While this might sound like a complex insurance product to purchase, most car insurance policies are actually issued on the same day that you apply for them. It's much easier to access a same-day auto insurance policy than same-day loans or other financial products. In fact, to get cheap car insurance now just complete our online quote form above.

In this article, we'll take a closer look at same-day insurance and some key details that you need to understand about this type of auto insurance. We'll also provide you with some additional tips and tricks that you can use to ensure that you access the best auto insurance policy on the market.

How Do I Get Same-Day Auto Insurance?

It's easier than ever to access a same-day insurance policy. You no longer have to visit an insurance agent and fill out complicated paperwork to be covered in your car. With more and more insurance companies heading online, you can fill out an application on the internet and upload essential documents without ever visiting a brick-and-mortar location.

If you accept a policy, most providers will offer you immediate coverage. In some cases, you will still need to pay a substantial deposit to access your insurance policy, so don't expect it to be entirely free upfront.

Alternatively, if you're purchasing a car in a dealership, there's a high chance they will offer an in-house insurance provider. Most car dealerships will walk you through the process of applying for an auto insurance policy and accepting a quote. This can be a convenient option if you're confused about how to apply for insurance.

You Can Buy Your Own Same-Day Insurance Inside a Dealership

While some people that head to dealerships use the in-house insurance option that the dealer offers, you can still purchase your own same-day insurance inside of a dealership. What do we mean by this? Fortunately, you can often apply for an auto insurance quote by using your smartphone or an available computer.

This is a popular option with many people purchasing insurance. When you head to a dealership, you don't often know which car you're purchasing (or if you're purchasing one at all). If you do decide to buy a car, and you need coverage to drive it off the lot, you can apply on your phone for a policy using your new vehicle's details.

What Information Do I Need for Same-Day Insurance?

If you're going to get same-day insurance, you will most likely need all of your information available. Make sure that you have your core details at-hand, as well as any documentation that an insurance company might require. What can you expect to need to apply for a same-day auto insurance policy? Let's take a look:

• Date of birth
• Address
• Driver's license number
• Marital status
• Car mileage
• Car make
• Car year
• Car VIN
• Date of purchase of the vehicle
• Driving history:
• Tickets
• Citations
• Claims
• Accidents
• Other information
• Previous car insurance details

Keep in mind that different insurance providers will require different types of information. You can check in advance to see what kind of data you will need to apply for a quote.

Is Same-Day Insurance Expensive?

Same-day insurance should not be more expensive than any other type of insurance. As mentioned previously, almost all car insurance is ‘same-day,' so you shouldn't end up paying more when you apply for a quote.

This being said, if you rush into purchasing a policy without understanding the market, this might end up with you spending more money on insurance. It's essential to understand what you're looking for before you randomly accept a quote.

Tips for Applying for Same-Day Auto Insurance

If you're going to apply for same-day auto insurance in the United States, it's always a good idea to take advantage of a few tips. Below, we'll explore a few additional pieces of information to consider before you submit your application. This can help you increase your chances of finding the right policy, accessing an affordable price, and more.

Compare Quotes

No matter what you do, it's always a good idea to compare quotes. if you want to ensure that you access one of the best rates on the market, you need to make sure that you look at various insurance providers before you make a decision.

In most cases, you won't need to pay for an insurance quote, so you will benefit from the ability to apply for multiple quotes or access certain price data without having to spend any money. There are also plenty of websites that will help you compare multiple quotes at the same time.

Always Research Your Insurance Provider

If you're going to insure your vehicle with any form of insurance (including same-day insurance), you need to make sure that you're working with an insurance company that you can trust. You don't want to work with a provider that will reject legitimate claims or take months to pay your claim.

Choosing the wrong insurance firm can be a quick way to spend unnecessary money. Fortunately, it's easier than ever to find out more information about the insurance partners that you're considering. There are numerous consumer watchdog groups that host information about the country's leading insurance companies.

By using platforms such as the Better Business Bureau and Consumer Affairs, you'll be able to access reviews and additional research about insurance companies. In some cases, these consumer watchdog groups also provide ratings that assess the viability of the company.

In-Dealership Auto Insurance Might Not Be the Best

It can be extremely easy to sign up for an insurance plan if you purchase a vehicle from a major dealer. As mentioned previously, most dealerships will have partnerships with leading insurance providers. In some cases, it can take as little as 20 minutes for your car salesman to sign you up for a new plan.

While this is the type of convenience that many car buyers are looking for, it's also important to remember that it can come at a cost. If you purchase the in-house auto insurance at your dealership, it might not be nearly as competitive as some external providers. If saving money is your priority when you are choosing a same-day policy, it might not be the best option to purchase the in-house option.

The same goes for other offers that might be provided at a dealership. For example, if the dealership you're buying from has an in-house lending facility,

Assess Additional Benefits

It's not just your insurance coverage that matters when you purchase same-day insurance; you also need to consider the other benefits that are inside of your policy. While you might think some of these benefits are superfluous, you're really just losing out if you're paying the same rates for a policy that doesn't offer what competitors can provide.

So, what are some additional benefits you should be looking for when you find your next same-day insurance policy? Let's take a look:

Rental Cars for Accidents

If you get into an accident that hampers your ability to drive your vehicle, you will need to rent a car while yours is repaired. The cost of this can add up. For this reason, it's always a good idea to check if your insurance provider is willing to pay for a rental car while you're waiting for repairs or trying to purchase a new vehicle.

Rental Car Coverage

If you head to a rental car store next time you're abroad, you often have to pay extensive extras to get the vehicle covered by insurance. While the online price for the rental car is often attractive, once you pay for insurance it can destroy the value of the bargain. Fortunately, some insurance companies will provide you with rental coverage, which means you'll remain covered no matter where you are in the world.

You can tell your rental company that your at-home insurance policy already covers your insurance costs.

New Car Replacement

As soon as you drive your car off the lot, the value of the vehicle drops extensively. In many cases, if you get into an accident, you won't receive the full value of a new car. This leaves you with reduced options if you need to replace your car.

Fortunately, some car insurance companies now offer new car replacement, which provides you with the value of a new vehicle (rather than a used one).

24/7 Customer Support

While you might assume that all insurance companies offer 24/7 customer support, this isn't always the case. While many insurance companies now offer 24/7 claims portals via their websites, it's still essential to check that you can access live person whenever you need support. This can be particularly useful if you get into an accident, and you need immediate information about your coverage or benefits.

It's often nice to know you have access to your insurer whenever you need it.

Towing Service/Roadside Service

If your car breaks down or you get into an accident, you might be stranded far away from a mechanic and far away from your home. If this is the case, roadside assistance or a towing service can end up costing you hundreds of dollars — in some cases, the price can even enter the thousands.

Fortunately, many insurance companies are now including coverage for these services inside of their policies. Make sure to check the conditions to ensure that all types of towing and roadside assistance are covered.

Legal Coverage

This is a benefit that many car owners overlook. If you do get into an accident, there might be a chance that you face legal action from others involved. For example, a passenger in another vehicle might try and seek damages against you if they've been injured in an accident — even if the accident wasn't your fault.

Just because an accident wasn't your fault, doesn't mean that you won't have to represent yourself in court. Having legal expenses coverage can help you access an attorney if you face a legal challenge.

Don't Rush the Process

No matter what, it's essential not to rush the process of finding a same-day policy. While this might sound counterintuitive, because you need the coverage the same day, it only takes a matter of hours to correctly research policies and insurance providers. By performing due diligence, you'll be well-positioned to access the perfect policy for you or your family.

Take advantage of the tips listed in this section to find out more about your insurance provider and what they should offer. Don't take the first quote or insurance provider that you find online — it's a surefire way to end up ripping yourself off.

Verdict: Same-Day Auto Insurance is Easy

While same-day auto insurance sounds like it would be hard to source, it's actually extremely straightforward. As you have seen in this article, it only takes a matter of minutes to apply for a same-day auto insurance policy. If you're at a dealership, you can choose to purchase insurance from your dealer or buy a policy online.

Either way, make sure to have all your core information ready if you want to purchase a same-day policy. If you have to search for documentation, you might not be able to get the insurance as quickly as you need it. Also, using the tips mentioned in this article will help you source the best policy for the most affordable rate — don't underestimate the importance of comparing the market.

FAQ

General Same Day Car Insurance Questions

This section covers the basic information you need to know about same day car insurance quotes.

Same Day Car Insurance in Specific States

We’ll answer questions about same day car insurance in specific states in this section.

Same Day Car Insurance and Specific Companies

This section covers common questions about same day car insurance and specific companies.

Same Day Car Insurance and Buying or Leasing a Car

We’ll cover common questions about getting insurance when buying or leasing a car in this section.

One Day Car Insurance Questions

We’ll answer one-day car insurance questions in this section.

Car Insurance Prices and Billing

We’ll cover price and billing questions for car insurance in this section.

Other Car Insurance Questions