How Long Does It Take To Get Car Insurance?

Last updated April 11, 2022

How long does it take to get car insurance? Thanks to digital advancements, not long at all!

Gone are the days of scheduling an appointment with an insurance agent for a day later in the week to choose a policy. Today’s digital advancements make obtaining car insurance with same-day coverage possible from anywhere you are, and in less time it takes you to get ready in the morning.

Today, you can use online tools to find custom insurance quotes from multiple providers in minutes. In fact, Rate Retriever helps you do this. When you take our quiz, you’re essentially building the driver profile insurance companies will use to determine your rates. We’ll then match you with the top insurance providers for you based on rates they’ve given to similar driver profiles in the past. When you’re ready to choose a provider, all you have to do is call or finalize your policy online.

This process doesn’t take long. Of course, you can speed up the process once you’re ready to talk to a provider by having some personal information handy for any driver you are adding to your policy, including:

Names and dates of birth
Driver’s license numbers
Social security numbers
Vehicle information numbers (VINS) for any covered vehicle
The driver’s primary address

Related:  How to Decide on Car Insurance

What is the Process to Getting Car Insurance?

Now that you know you can get car insurance in less time than it takes to get through the Starbucks line let’s look at the process for getting car insurance.

Step 1 - Gather Your Quotes

Think you’re paying too much for car insurance? You may be right!

It’s a fact that Americans pay $300 or more than is necessary for car insurance, which is why comparing quotes from different insurance providers should always be a priority. This way, you know you’re getting the best price for coverage, or at the very least, you can get an idea of what you can expect to pay for insurance. Don’t be afraid to inquire about special discounts or bulk rates you may qualify for based on your student or military status, good driving record, or discounts for insuring multiple drivers.

Step 2 - Set Your Coverage Limits

Now it’s time to decide what kind of coverage you need and what limits to set.

Since coverage limits vary from state to state, there is no one size fits all insurance policy. For this reason, we recommend familiarizing yourself with your state’s car insurance coverage limits and deciding what limits you’d like to set for your collision and comprehensive deductibles.

Next, consider the amount of coverage you prefer for bodily injury liability, property damage liability, personal injury protection (PIP), medical payments, uninsured or underinsured motorist coverage and other supplemental liability insurance limits to cover things like rental reimbursement and emergency road service.

 Step 3 - Sign Up and Drive Safe!

Once you’ve chosen your preferred insurance provider, submitted your information, and have decided your coverage limits, you will receive your annual premium quote. Oftentimes, you can choose to pay this all at once or in various installments, depending on your insurance provider’s payment policy. Once you’ve reviewed your limits, set your start date, and feel comfortable with your new policy, make it official and get on with your day!

Pay Less for Great Coverage with Rate Retriever

It only takes a few minutes to save more on the same or better car insurance coverage you have now. Rate Retriever has taken the legwork out of comparing auto insurance quotes. Simply fill out our short form and get matched with the providers who will give you competitive quotes.

About Rate Retriever

At Rate Retriever, our mission is to make the way you shop for insurance transparent and fair through user-friendly tools that respect your privacy and deliver reliable, comprehensive results.

So we took everything we hated about comparing insurance quotes online – the spam, the long questionnaires, the limited choices, the inaccuracy of quote prices – and threw it out the window, favoring a short form that more accurately estimates what you’ll pay at each of the top insurance providers near you.

Rate Retriever is an independent company that is not owned by an insurance provider, nor do we provide insurance ourselves. This independence allows us to be your free and impartial insurance research tool, helping you make the best decisions for your insurance needs.

We may earn a commission when you click one of the links or call one of the providers listed on our site; however, we do not allow our partnerships to influence which information we provide.

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