Car insurance offers financial protection for you and your car. You never want to be without it, but what happens if you need coverage right away? Does car insurance take effect immediately? Here’s how to get same-day coverage on car insurance.
Concerns for same day insurance
If you need a new car insurance policy to take effect immediately, keep the following in mind when you’re shopping.
Not all car insurance companies offer same-day coverage. Some may require a waiting period before a policy takes effect.
Many insurance companies offer an early purchase discount if you purchase your policy before it begins. If you need insurance coverage to start immediately, you may miss out on this discount.
If you’re switching insurance companies, it’s good to know when your current policy ends so you can avoid gaps in coverage. Most states require you to have car insurance, so you should have your new policy start before or at the same time your current policy ends. It’s better to have an overlap in coverage than a lapse, as gaps in your insurance coverage can make buying insurance more costly in the future.
How long does the car insurance process take?
Getting an insurance quote from Plymouth Rock is fast and easy. We provide outstanding coverage at great prices. You can either give us a call, reach out to one of our independent agents, or get a quote online. Once you’ve purchased your policy, you’ll receive digital proof of insurance. Just be sure to state the date you want your policy to begin when you’re getting your quote.
Reasons for same day activation of car insurance
There are a few common situations where you may need immediate car insurance coverage.
If you’ve purchased a vehicle, most dealerships will require proof of insurance before allowing you to drive off the lot. Similarly, you will typically need to provide proof of certain insurance coverage if you’re applying for a loan or lease.
If you have a newly insured driver in your household, be sure to add them to your policy as soon as they get their license. Young drivers can be insured under their guardian’s insurance. Check the policy documents to ensure the changes to the policy covering the new driver are active.
If your previous policy has expired, or was canceled, you’ll need immediate coverage to avoid a lapse. Lapses in coverage could make buying insurance more expensive in the future.
Things to consider if you need immediate coverage
If you need to get immediate car insurance coverage, keep the following in mind to ensure a fast and easy transaction.
Have all the documentation you need for an insurance quote handy. Get your driver’s license, vehicle identification number, and your previous car insurance declarations page if you have it. The declarations page contains information about what coverages you had, so you can make sure you maintain the same coverage you had before into your new policy.
The declarations page will also state the period that policy is active. Make sure your new policy starts before your previous policy expires so you can avoid gaps in coverage.
Conclusion – Does car insurance take effect immediately?
In most cases, you can get car insurance immediately. This will depend on the insurer, application method and policy terms. While many insurance providers offer same-day coverage, keep in mind your policy start and end dates to ensure you’re covered the day you need it.
Now let’s talk about you
Do you have the right coverage for your vehicle? We’d love to chat with you about it. Call us at 800-516-9242 or speak to a local agent.
If you’d rather not talk, you can get a quote quickly and easily online. Just enter your ZIP code to get started and see how much you could save!
