Same Day Car Insurance

Looking for instant car insurance quotes?

What is same-day car insurance?

Typically, all insurance policies can be described as “same-day car insurance,” just as all quotes are “free” as they don’t take a day or cost money to get. If you’re at a dealership and need to show instant proof of insurance, you can call any local agency or 1-800 number and get a quote and then purchase a policy within half an hour or so. Furthermore, any auto quote you receive is free for you. Insurance companies love to advertise their quotes as “free,” as if other sites or companies will charge you for them. None do, so make sure you don’t pay for anything when shopping around for car insurance. Despite being able to get an auto quote in one day, there are still some tips you can use to speed up the tedious process. Let's get started.

In this article, we'll discuss:
  1. What do I need to have to get an instant car insurance quote?
  2. Can I get cheap one-day car insurance?
  3. Instant car insurance quotes: additional resources

Information required to get a car insurance quote

In order to get the most accurate quote as fast as possible, make sure you have the following insurance ready and available.

  1. Your and any additional driver's license numbers and associated personal information: This includes date of birth, addresses, living situation, marital status, etc.
  2. Your Car: You will need the VIN, or vehicle identification number, of the vehicle you plan on quoting. Every vehicle, regardless if it’s from a private seller or still at a dealership, has a VIN. It is unique to every vehicle and tracks the individual history of the vehicle. If you can’t provide an exact VIN, make sure you can at least provide the year, make, and model. Be aware: most insurance companies will not bind a policy (that is to say, create a policy from a quote) without a VIN.
  3. Mileage of your car you want to quote
  4. Date of purchase of said car
  5. Name of registered owner
  6. Driving History: Your and any drivers recent driving history including accidents, citations, claims, or completed driving courses.
  7. Insurance Record: Some insurance companies require you have six months to a year of continuous auto insurance prior to issuing a policy with you. So, make sure you have an idea of your insurance background.

Of course, this is not a set-in-stone list of requirements to receive a car insurance quote. If you're at a dealership and need car insurance immediately to drive off the lot, you might be able to simplify this list by just including your information (for example, if you have multiple drivers). However, remember to call your insurance company at a later date and update this information. Still, this list will be helpful to have handy if you're wanting an instant proof of insurance for your new vehicle.

Understanding "one day" insurance

Technically, all car insurance is "one-day" car insurance. Just like, technically, all car insurance is 1 day, 2 day, or 3 day, and so on until you can cancel your policy. However, being covered for a single day can land you in some trouble for several reasons.

  1. You may not get your down payment back. Nearly all insurance companies require you make a down payment that is usually 30-45 days of premium. If you cancel your insurance policy the second day of its creation, you’re not always guaranteed to get your money back for that month of premium.
  2. You are legally required to have insurance. Unless you live in New Hampshire, where car insurance is not legally your state's minimum liability limits. So, by canceling your policy in order to leave a dealership you run of the risk of being ticketed for driving without insurance. While it can vary based on your state, some common consequences included having your vehicle impounded, expensive tickets, and license suspension.
  3. For a leased or financed vehicle, you are required to have car insurance. If you're leasing or financing your vehicle through the dealership or a bank, they typically require you maintain full coverage on your vehicle in addition to your legal liability limits. Canceling your policy your vehicle in danger of repossession if they (your bank or dealership) find out. Moreover, you could be penalized with what's called forced insurance - where your bank or other lender pays for the insurance for you and you're stuck with their bill. Most of the time, forced coverage is much more expensive than getting insurance yourself.
  4. No coverage in event of an accident. If you're found at-fault after an accident without insurance, you will most likely be ticketed, have your license suspended, and could even be sued for the property or liability damages you caused.

Although car insurance can be expensive, it’s cheaper than the world of trouble you can get yourself in if you’re caught driving uninsured or getting into an accident without insurance. There are affordable options out there but it will require some searching. Enter your zip code below to see cheap car insurance quotes from hundreds of different national and local companies.

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Instant car insurance quotes: what to consider

The big thing to think about when it comes to same-day or instant car insurance is all companies can provide it. If you're looking for car insurance to drive your new vehicle off the lot of the dealership, make sure you have all the information ready to speed the process up. In terms of one-day car insurance, be prepared to take some risks. If you're caught driving without insurance, all the consequences you will face will be much more expensive than an insurance premium.

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If you're looking for more information on instant car insurance or ways to save in general, see our additional resources below.

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