Search

How Long Does It Take To Get Car Insurance?

Securing auto insurance is a crucial step for every car owner. However, they frequently ask how long does it take to get car insurance? Read on to know more details about the process of getting car insurance!
how long does it take to get car insurance
How Long Does It Take To Get Car Insurance?
Are you eager to know how long it takes to get car insurance? Usually, take to get car insurance may take 15-20 minutes or several days. Read on to know more in detail!
In this article

Securing your car insurance is an essential step for every car owner. Whereas car-holders frequently ask how long does it take to get car insurance? As you plan to get car insurance, it is paramount that your compare quotes from different providers to get the best deal for your budget.

In this article, we will provide information on the process of acquiring car insurance, from applying for a new policy to finding affordable options.

How Long Does It Take To Get Car Insurance?

Are you eager to know how long it takes to get car insurance? Usually, take to get car insurance may take 15-20 minutes or several days.

List of Car Insurance Companies in the US with Estimated Processing Times (2023)

Car Insurance CompanyEstimated Application Processing TimeFactors Affecting Processing Time
Allstate15-30 minutesDriving history, credit score, vehicle information
State Farm15-30 minutesDriving history, credit score, vehicle information
Progressive10-20 minutesDriving history, credit score, vehicle information
Geico15-30 minutesDriving history, credit score, vehicle information
Farmers15-30 minutesDriving history, credit score, vehicle information
USAA10-20 minutesDriving history, credit score, vehicle information
Liberty Mutual15-30 minutesDriving history, credit score, vehicle information
Travelers15-30 minutesDriving history, credit score, vehicle information
Nationwide15-30 minutesDriving history, credit score, vehicle information
MetLife15-30 minutesDriving history, credit score, vehicle information

The timeline may vary based on multiple factors. Here are some general considerations:

1. Instant Coverage

Many insurance companies offer the convenience of instant coverage, allowing you to obtain car insurance immediately after completing the application process.

2. Application Processing

Generally, an insurance company takes 10-15 minutes or a few business days to process your application. During this time, they review your information, assess risk factors, and determine the terms of your policy.

3. Verification and Documentation

The time required to gather and verify personal details, driver’s license information, vehicle data, and any necessary documentation can impact the overall process.

4. Policy Activation

Your car insurance policy becomes active once your application is approved and payment is made. You will receive proof of insurance, such as an insurance card or digital document, indicating that you are insured.

Overall, the time it takes to get auto insurance can range from a few days to a few weeks, depending on various factors, such as the complexity of your application and the insurance company’s responsiveness.

How To Apply For New Car Insurance?

Applying for new car insurance is a specific process that can be performed in a few simple steps. Whether you’re a first-time car owner or seeking to switch insurance providers, how long does car insurance take, or how to apply for new car insurance? No worries further!

Here are some specific steps that can help you in how to apply for new car insurance:

  1. Research Insurance Providers: Investigate different insurance companies and find out how long does it take to get car insurance and their offerings. Look for reputable providers with good customer reviews and competitive rates.
  2. Gather Necessary Information: You must collect the necessary information, such as your details, vehicle information (make, model, VIN), driver’s license number, and driving history.
  3. Obtain Multiple Quotes: Request quotes from insurance companies to compare prices and coverage options. You can do this online or by contacting agents directly.
  4. Fill Out the Application: Complete the insurance application accurately and provide all the requested information. Double-check for any errors or permissions.
  5. Review and Purchase: Carefully review the car insurance policy details, coverage needed limits, deductibles, and premiums. Once you are satisfied with the policy’s terms and conditions, proceed to purchase the policy.

However, many companies offer instant coverage, allowing you to get insured quickly and hit the road with peace of mind. In some cases, you may receive instant coverage upon payment. 

how quickly can you get car insurance?

The exact amount of time it takes to get car insurance depends on several factors, but in general, it can be anywhere between 10 minutes and a few hours. Here’s a breakdown:

Fastest processing times:

  • 10-20 minutes: Direct online companies like Root Insurance, Lemonade, and Metromile typically have the fastest processing times due to their streamlined online application processes.
  • 15-30 minutes: Large national companies like Allstate, State Farm, and Progressive also offer quick processing times, especially if you apply online and have all the necessary information readily available.

Longer processing times:

  • More than a few hours: Regional companies and some large national companies may take longer, especially if your case requires additional verification, such as driving history checks or vehicle inspections.
  • A few days to a week: In rare cases, complex applications involving high-risk drivers or specialty vehicles may take several days to a week for approval.

Tips for getting car insurance quickly

  • Gather all necessary information beforehand: This includes driver’s licenses, vehicle registration documents, and previous insurance information.
  • Apply online: Most companies offer online application options for faster processing.
  • Compare quotes from multiple companies: This helps you find the best coverage and price while potentially speeding up the process if you already have quotes in hand.
  • Contact the chosen insurance company: They can provide a more accurate estimate of your specific processing time.

Remember, the exact time it takes to get car insurance varies depending on your individual circumstances. However, by taking the steps above, you can significantly speed up the process and get insured as quickly as possible.

How To Find Affordable Car Insurance

It’s relatively easier to save money on auto insurance. Finding affordable car insurance is possible with some innovative strategies and careful consideration. Here’s a guide on how to find affordable car insurance:

1. Compare Multiple Quotes

It would be best to acquire quotes from various insurance companies to compare rates and coverage options. It can be easy to make this process quick and convenient using online comparison tools.

2. Consider Deductibles and Coverage Limits

Adjusting deductibles and coverage limits can have a powerful impact on your premium. Opting for higher deductibles and realistic coverage limits can lower your overall cost.

3. Explore Discounts

Many insurance providers offer lucrative discounts, such as safe driver discounts, student discounts, and multi-policy discounts. Therefore, it is suggested to inquire about available discounts and see if you qualify.

4. Maintain a Good Driving Record

A clean driving record demonstrates responsible behavior, and insurance firms often offer lower rates to drivers with no accidents or traffic violations.

5. Improve Your Credit Score

In several states, insurance enterprises consider credit scores when determining premiums. Therefore, maintaining a solid credit score can help you secure better insurance rates.

Among the affordable Car Insurance Companies with a 2023 rating, the insurers with the most affordable rates cater to a wide range of drivers. Our analysis reveals that USAA, Geico, and State Farm offer the lowest average annual costs. These companies provide cost-effective policies that can be suitable for many motorists.

By following these steps, you can find affordable car insurance and get informed about how long does it take to get a car insured that provides the necessary coverage while fitting within your budget. 

how long does it take to get car insurance1

What To Do After You Get Car Insurance?

Getting car insurance is the first step in protecting yourself and your vehicle. Here are the key points to take after getting car insurance:

1. Carefully review your car insurance policy

To understand what type of coverage, deductibles, limits, and exclusions, check your car insurance policy carefully. This will help you with when you can use that policy or what protection you have with that particular policy.

2. Regularly Update Your Information

You must provide periodically updated information such as contact details, bank details, residential address, or additional driver information with the insurance provider. Keeping your information up to date helps avoid complications during claims.

3. Keep Insurance proof always with you

While driving, you always have to carry a car and insurance proof in your vehicle. Suppose you’re involved in an accident or must provide evidence to authorities. In that case, an insurance card or digital documentation is proof of your car insurance.

4. Comprehend the Claims Procedure

Please familiarize yourself with the claims procedures of a car insurance company. It would be best if you learned how to report a claim. According to the claim process, provide the necessary documentation and understand the steps to resolve a claim.

how long does it take to get car insurance2

Conclusion

In conclusion, obtaining how long does it take to get car insurance is a precise process that commonly takes a few minutes to a few days.

You can acquire the car insurance coverage you need to protect yourself and your car’s safety on the road by applying for new car insurance, locating cost-effective choices, and understanding the procedure.

Ensure to compare prices with Beem, go through policy specifications, and follow the terms and conditions of your car insurance policy. Drive with confidence knowing you are adequately insured.

Frequently Asked Questions

How Long Does it Take to Get Car Insurance Quotes?

Getting car insurance quotes usually takes a few minutes to a few hours. Many insurance companies offer online quoting systems where you can input your information and receive quotes instantly. However, it may take longer if you prefer to contact insurance agents directly or if additional information is required.

How Long Does it Take to Get Car Insurance Coverage?

The time it takes to get car insurance coverage can vary. After you have chosen an insurance policy and submitted your application, it typically takes a few days to a couple of weeks for the insurance company to review your application, underwrite the policy, and process your payment. Once the payment is received, you will get confirmation of coverage.

How long Does it Take to Get a car Insured After Purchasing a Vehicle?

If you already have an existing car insurance policy, adding a new vehicle to the policy is usually a quick process. It can be done over the phone or online within minutes. However, suppose you are purchasing a vehicle and need a new insurance policy. In that case, setting up the new policy may take a few days, especially if you need to provide additional information or documentation.

Was this helpful?

Did you like the post or would you like to give some feedback? Let us know your opinion by clicking one of the buttons below!

👍👎

Author

Picture of Aniket Kulkarni

Aniket Kulkarni

A seasoned Product Manager specializing in car insurance content, Aniket has a passion for simplifying complex insurance concepts. His strategic approach to content development reflects years of experience in the product development industry, coupled with a commitment to providing accurate, reliable information.

Editor

This page is purely informational. Beem does not provide financial, legal or accounting advice. This article has been prepared for informational purposes only. It is not intended to provide financial, legal or accounting advice and should not be relied on for the same. Please consult your own financial, legal and accounting advisors before engaging in any transactions.

Related Posts
Can You Drive a Car Without Plates After Buying It? 
Can You Drive a Car Without Plates After Buying It? 
Many states consider driving a car without plates unlawful after purchasing it. Therefore, temporary plates or registrations are needed until permanent ones can be secured. Know more on how to comply with these requirements to avoid penalties, legal issues, and insurance hassles.
Why Do You Need Car Insurance
Why Do You Need Car Insurance ? – Know the Reasons
In most states, buying car insurance is required by law. It is a crucial way to protect yourself and your family from the potential costs of a major accident claim.
Does Auto Insurance Cover Theft
Does Car Insurance Cover Theft? [2024]
Auto insurance helps you cover the loss in these various types of accidents and thefts by giving necessary coverage. The blog aims to equip you with valuable insights to help you make informed decisions about protecting your vehicle from theft risks.
rental car insurance
Best Options For Rental Car Insurance
If you have rented a car, make sure you buy the company’s rental car insurance. However, if you already have vehicle insurance, you are likely covered up to your policy’s limits.
car insurance for high-risk drivers
Best Car Insurance for High-Risk Drivers
High-risk drivers often contend with higher insurance premiums due to their increased likelihood of filing claims. Let’s explore the best choices for car insurance for high-risk drivers.
car insurance for veterans
Best Car Insurance For Veterans
With various insurance providers offering tailored discounts and specialized coverage, veterans can easily find affordable and comprehensive vehicle protection. Read on to learn all about car insurance for veterans.
Features
Essentials

Get up to $1,000 for emergencies

Send money to anyone in the US

Ger personalized financial insights

Monitor and grow credit score

Save up to 40% on car insurance

Get up to $1,000 for loss of income

Insure up to $1 Million

Coming Soon

File federal and state taxes at low cost

Quick estimate of your tax returns

Get up to $1,000 for emergencies

Send money to anyone in the US

Save big on auto insurance - compare quotes now!

Zip Code:
Zip Code: