Finding Companies That Provide Same-Day Car Insurance


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Car Insurance

Which companies offer same-day car insurance, and what are the requirements?

Hi, I'm interested in purchasing a car insurance policy and need it to take effect immediately upon purchase. Can you provide any details about companies that offer same-day coverage, any potential additional fees for this service, and what documents or information I will need to have ready to ensure a smooth process?

Nov 8, 2024 | Lauren Harris, Philadelphia, PA
Answer
Mark Fitzpatrick
Head of Insurance, MoneyGeekUpdated December 17, 2024

Yes, you can get same-day car insurance coverage. However, it can cost more than it should. Insurance companies give people who purchase new cars or rent cars same-day coverage. Spend some time reviewing your financial plan. This planning must include reviewing car, home or renter insurance needs. If you are not sure, check online for tools and reviews to avoid last-minute decisions.

Most companies can give you a quote via an app or a website. Once you complete the necessary data forms and give them information about your driving record and financial health history, they will give you a quote. The coverage takes effect once the company receives your payment and processes it. In some instances, you can provide information and get coverage with a single phone call.

The underwriting department can collect most of the pertinent data points on your record online. If there are any red flags, like a large claim or more documentation, the carrier can provide temporary insurance coverage and long-term insurance coverage once the review is completed.

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