Top Same-Day Auto Insurance Provider [2024]
Many companies will be willing to provide you with same-day insurance for your vehicle. However, it would help if you were prepared to pay the rates for same-day insurance, or at least the first month. According to the Insurance Information Institute, quotes for same-day insurance sit around $1,250 a year, or $130 a month.
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Ty Stewart
Licensed Insurance Agent
Ty Stewart is the founder and CEO of SimpleLifeInsure.com. He started researching and studying about life insurance when he got his first policy for his own family. He has been featured as a life insurance expert speaker at agent conventions and in top publications. As an independent licensed life insurance agent, he has helped clients nationwide to secure affordable coverage while making the...
Licensed Insurance Agent
UPDATED: Jun 27, 2023
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident insurance decisions. Comparison shopping should be easy. We are not affiliated with any one insurance provider and cannot guarantee quotes from any single provider.
Our insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different insurance providers please enter your ZIP code above to use the free quote tool. The more quotes you compare, the more chances to save.
Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.
UPDATED: Jun 27, 2023
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident insurance decisions. Comparison shopping should be easy. We are not affiliated with any one insurance provider and cannot guarantee quotes from any single provider.
Our insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different insurance providers please enter your ZIP code above to use the free quote tool. The more quotes you compare, the more chances to save.
On This Page
- Many large insurers can offer same day insurance thanks to automated underwriting
- You’ll need to at least pay the first month’s premium upfront
- Higher risk individuals may find it harder to get same day insurance
Many auto insurance companies will offer you same day insurance for your car. Thanks to automated underwriting, you can usually get approved in minutes. However, higher-risk individuals may need to wait for more in-depth underwriting.
If you’re looking for same day insurance, enter your ZIP code into our free quote tool to see what you could pay for a policy today.
What insurance companies offer same day auto insurance near me?
While getting a vehicle can be exciting, you still need to make sure it meets legal requirements before you drive it on the road. Those requirements mean that your car will need to be registered and have the minimum insurance coverage required in your state.
Luckily, you can get same day insurance from nearly any major insurer, with some exclusions. Some of the top insurance companies that will give you the same day policy include:
- Geico
- Progressive
- State Farm
- Allstate
You’ll most likely have to get a quote and apply the requested information. To get the auto insurance as soon as possible, make sure you’re ready with information like:
- Personal identification like Driver’s License, SSN, or ITIN
- Car’s Vehicle Identification Number (VIN)
- Work and home addresses
- Past tickets or insurance claims
If you’re prepared for the application, you’ll be able to apply and get your policy faster. Some insurers even have ways to let you begin an application before you have the car’s VIN, so you can finish when you get the vehicle.
When will I have to pay a same day insurance payment?
An insurance company won’t insure your vehicle until you can pay at least the first month’s premium, plus any fees. Any time you apply for a new insurance policy, you’ll likely have some cost.
According to the Insurance Information Institute, the average cost for auto insurance was $1,245 in 2020. This is around $103 a month, which you would likely need to be prepared to pay when you want to start insurance, plus any applicable fees.
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How do I get same day insurance?
If you need to get same day auto insurance, you’re likely planning to get your vehicle on the road as soon as possible. Luckily, many insurers are willing to offer you same day auto insurance if you provide the correct information.
For your insurance company to give you the best quote, you should ensure that you’re able to provide information to identify you and your vehicle. The insurance company may also want to know where you will park your car most of the time.
How much does same-day auto insurance cost?
Is it harder to get cheap same day auto insurance coverage? The cost of your auto insurance rates relies on insurance underwriting. This will examine several areas in your life, but most insurers have moved to an automatic process so that they can do it near instantly.
As mentioned above, the III has the average cost of yearly auto insurance between $1,000 to $1,250. However, this doesn’t account for various factors that will be specific to you.
How do auto insurance companies decide rates?
Auto insurance companies are businesses at their core, meaning that they have to make a profit to stay in business. So when it comes to pricing auto insurance, your insurance company will determine the risk they have to pay out on a claim. So naturally, the higher the risk, the more you’ll pay in rates.
When your insurance company subjects you to underwriting, it will examine factors in your life like:
- Driving History – If you have a history of getting into accidents or receiving tickets, you’ll have to pay more for your coverage.
- Credit History – If you don’t have a good record of paying bills on time, you’ll have to cover that risk with higher rates.
- Vehicle Make and Model – If your car has a statistically higher chance of being vandalized or stolen, you could pay to cover that risk.
- Home and Work Location – If your home or work neighborhood has a higher chance of crime, you could pay for that risk.
If you have too many of these negative factors, you’ll likely have to pay a higher amount for your auto insurance rates.
Some issues may leave you unable to get an auto insurance policy, including multiple DUIs or claims in recent years. The good news is that most negative events don’t count after three to five years.
How do I lower my auto insurance rates?
According to the III, there are many ways to lower your auto insurance rates. First, it can help to think of the price as reflecting the risk you pose, and then it follows that reducing the risk would also reduce the cost. If you don’t want to pay extra for auto insurance, you should try to:
- Raise Your Deductible – If you decrease how much an insurer will pay after an accident, it will be more inclined to provide savings.
- Reduce Coverage – If you have an older car, collision and comprehensive coverage might not be worth what you’re paying into the policy.
- Bundle Policy Types – If you have multiple policy types from the same insurer, it will usually give you a discount for bundling them together.
- Shop Around – If you can’t find a way to get lower rates at your current insurer, consider finding competing insurers.
As mentioned above, there are some mistakes that the insurer may see as irredeemable for a few years. You can get in trouble with insurance companies if you’ve had multiple DUIs or claims in recent years. In those cases, you’ll have to wait for the incident to expire off your record.
When are you not able to get same day insurance?
Some of the instances when you may not get same day auto insurance include when you’re too high risk. The insurer may decide that it needs time to process your application and do more intensive underwriting before giving you a policy.
Because you can never be sure, it’s best to apply for the auto insurance policy before you get a new vehicle. Otherwise, you may get a car but have to wait to get confirmed on your auto insurance. You wouldn’t be able to drive the car off the lot until it’s registered and insured.
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Case Studies: Top Same-Day Auto Insurance Provider
Case Study 1: SpeedInsure: Revolutionizing Same-Day Coverage
SpeedInsure, a renowned auto insurance provider, quickly delivers same-day policies, as showcased in a case study with customer Sarah. Sarah received comprehensive coverage within hours, enabling her to drive her new car without delays. She commended SpeedInsure’s efficient digital platform and personalized service, highlighting the convenience and peace of mind they provided.
Case Study 2: RapidCover: Instant Coverage Made Simple
RapidCover has become a leading player in same-day auto insurance, exemplified by a case study with customer Mark. Mark urgently needed coverage for a rental car after a collision and contacted RapidCover in the morning. RapidCover swiftly processed Mark’s request, enabling him to drive again hassle-free, while Mark commended their user-friendly interface and efficient claims process.
Case Study 3: SwiftAssure: Empowering Drivers with Same-Day Protection
SwiftAssure is renowned for its personalized same-day auto insurance offerings, as demonstrated in a case study featuring customer Jessica. Jessica obtained last-minute coverage from SwiftAssure for her cross-country road trip, receiving her policy within hours and commending their flexibility and responsive customer support.
Case Study 4: ExpressInsure: Delivering Speed and Reliability
ExpressInsure is a top same-day auto insurance provider known for its reliability and quick service, exemplified in a case study with customer John. ExpressInsure efficiently provided John with immediate coverage for his new vehicle, earning praise for their streamlined claims process and competitive prices, showcasing their commitment to exceptional service.
Same Day Auto Insurance: The Bottom Line
If you’re looking to buy same day insurance for your car, you likely just got a new vehicle. Thankfully, thanks to automated underwriting, many of the biggest insurers can offer you same day auto insurance rates. However, if you’re at higher risk, you may not be able to get same day insurance coverage.
If you need to get same day auto insurance, enter your ZIP code into our free quote tool to see what you could pay for a policy today.
Frequently Asked Questions
What is same-day auto insurance?
Same-day auto insurance refers to a type of car insurance policy that can be purchased and activated on the same day, providing immediate coverage for your vehicle.
How does same-day auto insurance work?
Same-day auto insurance works by allowing you to get a quote, apply, and purchase a policy all in one day. Once you provide the necessary information and make the payment, you’ll receive proof of insurance and can start driving with coverage right away.
What are the benefits of same-day auto insurance?
Same-day auto insurance offers several advantages, including:
- Instant coverage: You can quickly obtain the necessary insurance coverage without any waiting period.
- Flexibility: It allows you to secure insurance on short notice, such as when buying a new car or renewing an existing policy.
- Convenience: You can complete the entire process online or over the phone, saving time and effort.
- Peace of mind: Having immediate coverage ensures you are protected from potential risks while driving.
Are there any drawbacks to same-day auto insurance?
While same-day auto insurance provides convenience, there are a few considerations to keep in mind:
- Potentially higher premiums: Since same-day coverage is fast and convenient, the premiums may be slightly higher compared to policies obtained well in advance.
- Limited time for comparison: With same-day insurance, you may have less time to shop around and compare different quotes and coverage options.
- Limited customization: Due to the quick turnaround time, you may have fewer options for customizing your policy to fit your specific needs.
Can I get same-day auto insurance if I have a poor driving record?
Yes, same-day auto insurance is available to individuals with various driving records. However, keep in mind that your driving history may impact the cost of the premium or the availability of certain coverage options.
What information do I need to provide to obtain same-day auto insurance?
To obtain same-day auto insurance, you typically need to provide:
- Personal information: Your name, date of birth, address, and contact details.
- Vehicle information: Make, model, year, vehicle identification number (VIN), and mileage.
- Driver’s license details: Your driver’s license number and information.
- Driving history: Information about your past accidents, violations, or claims.
- Payment information: A valid payment method to complete the transaction.
How can I find the top same-day auto insurance provider?
Researching and comparing different insurance providers is essential to find the top same-day auto insurance provider. Consider factors such as their reputation, customer reviews, coverage options, pricing, and ease of the application process.
Can I cancel my same-day auto insurance policy if I change my mind?
Yes, you can typically cancel your same-day auto insurance policy if you change your mind within a specified grace period. However, you may be subject to certain fees or penalties depending on the terms and conditions of the provider.
Compare Insurance Providers Rates to Save Up to 75%
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Ty Stewart
Licensed Insurance Agent
Ty Stewart is the founder and CEO of SimpleLifeInsure.com. He started researching and studying about life insurance when he got his first policy for his own family. He has been featured as a life insurance expert speaker at agent conventions and in top publications. As an independent licensed life insurance agent, he has helped clients nationwide to secure affordable coverage while making the...
Licensed Insurance Agent
Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.