How Long It Takes to Receive a Final Car Insurance Quote

With clean data, you can usually get a bindable quote immediately. It depends on the insurance company, their level of automation, and the degree of trust they place with the agents. Sometimes a company will start a new agent with no binding authority as a way to train them. Everything is referred to underwriting until the agent proves they can be trusted. I know this might be hard to believe, but some agents lie on applications or selectively leave out information to secure a desired outcome.