Rachael Brennan has been working in the insurance industry since 2006 when she began working as a licensed insurance representative for 21st Century Insurance, during which time she earned her Property and Casualty license in all 50 states. After several years she expanded her insurance expertise, earning her license in Health and AD&D insurance as well. She has worked for small health in...

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Jeffrey Johnson is a legal writer with a focus on personal injury. He has worked on personal injury and sovereign immunity litigation in addition to experience in family, estate, and criminal law. He earned a J.D. from the University of Baltimore and has worked in legal offices and non-profits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman Univer...

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Reviewed by Jeffrey Johnson
Insurance Lawyer

UPDATED: Jul 14, 2021

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In a nutshell...

  • Shopping online for auto insurance policies makes the process of acquisition quicker and easier
  • Reviewing a number of quotes is strongly recommended in order to purchase the preferable policy
  • Policies should go into effect once a payment is made

The perfect auto insurance policy is very important for all drivers and car owners to have in place. Auto insurance is, in essence, a contract to cover fiscal losses in the event of a legitimate scenario involving a covered peril playing out.

A settlement from an insurance policy helps preserve the financial well-being of the insured. In addition, the acquisition of a policy allows a driver to stay in compliance with state laws.

Few would want to wait interminably for an auto insurance policy to go into effect. Being somewhat impatient while wondering how long things take to procure a valid car insurance is understandable.

Luckily, insurance companies do want the business of potential customers. Long, unnecessary waits are not likely to happen.

The only exception to this would be when the policyholder follows a cumbersome path to purchasing an auto policy. Where do things begin?

The process of acquiring car insurance all starts with receiving a quote. A quote is an estimated price issued for a specific policy based on the unique background of the person who is applying.

A quote is not the same thing as an insurance policy. Until a purchase is made, the policy is not active. The final price on the policy may go up from the original estimate on the quote as well.

Speeding the entire process up relies on speeding up the ways to get a quote. Get quotes easily and quickly by entering your zip code above.

Ways to Get a Quote

The two “old school” ways of acquiring a quote can still be employed today:

  • Picking up the phone and calling an insurance company or broker is a tried and true method.
  • Visiting an office in person is another.

Both of these ways, however, can be more than a bit cumbersome.

Visiting an office in person requires a lot of time and effort. Physically heading over to the office is not the only time-consuming component.

Dropping in at an unexpected time might even be outright unacceptable to a particular broker or company. Scheduling an appointment could be required.

If the earliest time is a day or two away, then a day or two is added to getting an insurance policy in place.

Placing a phone call can be a lot quicker. And, honestly, visiting an office in person is not necessary when it comes to auto insurance.

The information can be conveyed over the phone or online. Seeking a quote via the phone, in fact, is slower than requesting a quote online. Those who wish to move fast really should look towards the internet as the go-to source for receiving quotes.

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Comparison Shopping for Auto Insurance

Checking out only one or two quotes is not very prudent. Never lose sight of the purpose of purchasing auto insurance in the first place.

The goal of acquiring auto insurance is to protect oneself from the financial implications of being at fault for an accident or suffering injury due to a driver’s negligence or covering the costs associated with repairing or replacing a damaged vehicle.

To make sure the best auto insurance policy is acquired, ordering a number of quotes would be the right plan of action to take.

Reviewing a series of different quotes from a variety of companies is important when hoping to acquire the best policy. Attempting to call or directly contact all the auto insurance providers in a particular state can require an enormous amount of effort.

While attempting to do so may seem noble, the laborious process is really unnecessary. A much more streamlined approach exists.

Entering basic information on an online application does not take a lot of work. Once the information is typed in and submitted to a comparison service, a series of quotes should soon follow.

Make sure all the information submitted is complete and accurate. Omissions and errors can lead to delays or other problems that would be best avoided.

Selecting a Policy

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Auto insurance companies are afforded unfettered access to background information on applicants:

So, the applicant really does not have to submit very much paperwork in order for the auto insurance company to determine a rate.

Once a driver has selected a preferred policy, the policy goes into effect when a payment is made. Depending on the insurance company, the policy probably may not need to be paid in full.

A downpayment should be enough to execute the policy. If the policy needs to be paid in set installments, then continually making installment payments on time is necessary to keep the policy from lapsing.

Usually, once the payment is made, the policy will go into effect at 12:01 AM the next day. Customers do need to make sure they now the exact date the policy starts. The date is going to be listed clearly on the proof of insurance document.

Move Quickly and Get The Best Option

Moving quickly to acquire a car insurance policy is understandable. Being expedient is not the same thing as rushing.

Rushing leads to errors or picking a less-than-preferable policy.

In the states in which liability insurance is mandatory, some may choose to go with the lowest threshold amount of coverage. All this does is present the risk of being sued beyond the policy limits in the advent of a serious accident that causes major injuries and property damage.

Spending extra to acquire sufficient and varied auto insurance would be a better plan. So is investing a solid amount of time to locate a great policy.

Customers are best avoiding speeding up the process at the expense of buying a high-quality policy. Thankfully, the procuring online quotes make moving expediently and acquiring a strong policy possible. Enter your zip code below to begin comparing quotes.