How Can I Get Car Insurance Fast?

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by Quiana Darden Updated May 26th, 2022
couple getting car insurance fast at the dealership

Have you purchased a new vehicle or are looking to change insurance companies and need car insurance now? Well, the good news is, you’re in luck. Shopping around for new car insurance is simple and can be done online. With most major insurance companies, you have to answer a few questions, and you’ll receive a quote instantaneously. Then from there you can choose the policy that works best for you and get insurance quickly – often the same day. 

Why Do I Need to Get Car Insurance Quotes?

Getting car insurance quotes online is a fast and efficient way to compare rates and coverage options from multiple companies. An auto insurance quote will estimate how much you can expect to pay for your policy. The estimate is based on many factors, including but not limited to your age, driving record, credit score, make and model of your vehicle, car insurance history, and the type of insurance coverage you require.

Since driving without car insurance is illegal in most states, it’s essential to insure your vehicle as quickly as possible. Same-day coverage is an option for most insurance companies and can be purchased while you’re still at the dealership finalizing your auto purchase.

Compare Car Insurance Quotes Online

To get the quickest and most affordable insurance, the key is to shop around. Each insurance company calculates your rate based on its unique variables, and receiving different quotes from each company for the same coverage is expected.

Whether you’re looking for a basic state minimum policy or the most comprehensive coverage with all the bells and whistles, you should always compare rates with as many auto insurers as possible to ensure you get the right auto insurance coverage at the best possible price. 

At Compare.com we make comparing auto insurance quotes easy. Don’t waste time getting a quote from each individual company. Instead, use our auto insurance comparison tool and we’ll compare quotes from 65+ top insurance companies then present you with the top matches based on your insurance preferences. 


Compare car insurance quotes with ease and get insurance faster


Have The Information You Need Handy

When requesting quotes for your auto insurance, you’ll be required to provide information that you may or may not have readily available. To speed up the process, have the following on hand before getting started. 

  • Information About Your Vehicle. This information should include the date of purchase, mileage, VIN (vehicle identification number), make, model, and year. If you haven’t yet purchased your vehicle, but still want an idea of what you can expect to pay, provide as much information about the type of vehicle you wish to purchase.
  • Personal Information. You will likely know your full name, date of birth, address, social security number, and marital status. However, you may not know your driver’s license number or spouse’s information. In any case, have as many of the details available about all eligible driver’s living in your household, including college students who may live away from home. 
  • Driving Records. Your driving history will significantly influence the quotes you receive, so knowing what’s on your record before contacting insurance companies is a good idea. You can visit the Department of Motor Vehicles (DMV) online to access your free driving record.

Although the insurance company will pull a copy of your driving record directly from the DMV, it’s best to provide the most complete and accurate records available dating back at least five years. This information should include all completed driving courses (court-ordered and voluntary), speeding tickets, accidents, and moving violations.

Be Aware of Your Coverage Options

Understanding the type of insurance that’s best for your vehicle usually starts with knowing  the difference between full coverage and liability-only policies. Selecting the right insurance can protect you in case you’re involved in an accident. Not having the proper insurance can leave you vulnerable to costly lawsuits, time, and headaches. 

Here are a few things you need to know to accelerate the process when selecting your car insurance.

Liability Coverage Auto Insurance

If you’re involved in an at-fault accident and it causes damages or injuries to the other party, this is the part of your policy that will pay those damages. Liability coverage is often listed in a split limit format, including bodily injury per person / bodily injury per accident/property damage.

Most states have minimum car insurance coverage that drivers must maintain. However, you may choose to purchase more than the minimum requirement for additional protection. 

Let’s take a look at the two components of liability insurance coverage:

  1. Bodily Injury Liability. Covers the costs of damages or injuries you caused to the other driver or injured person in an accident, including medical bills, loss of income, legal fees, funeral costs, and pain and suffering.
  1. Property Damage Liability. It covers the costs of damages you caused to the other driver or injured person’s property in an accident. Damaged property can include cars, mailboxes, fencing, storefronts, and homes.

All liability auto insurance policies limit how much they will pay per covered accident or claim. These coverage limits can be broken down into three sections:

  1. Bodily Injury Per-Person Limit. This limit applies to each injured party in an accident. Let’s say your per-person limit is $75,000, and two people were injured in a car accident that you caused. The maximum amount insurance will pay to each injured party is $75,000. If the damages or injury exceeds this amount, you may be held personally and legally responsible for any additional costs. 
  1. Bodily Injury Per-Accident Limit. This applies to the total amount of coverage your insurance company will pay per covered accident or claim. In this example, let’s say four people were injured in an accident that was your fault and your per-accident limit is $150,000. The insurance company will pay a maximum of $150,000 for their combined expenses.
  1. Property Damage Per Accident. In this scenario, let’s assume your property damage liability is $25,000, and you caused damage to a storefront totaling $35,000. Your insurance company will only pay $25,000 for this claim, and you’ll be on the hook for the remaining $10,000 of property damage.

Other Liability Insurance Coverage 

In addition to liability insurance that protects you against bodily injury and property damage claims, your state may also require you to maintain the following insurance coverage, or you may choose to add it to your policy voluntarily .

Personal Injury Protection. Pays for medical expenses caused by a car accident, regardless of who is at fault. Your passengers may also be covered if they do not have an auto insurance policy. 

Uninsured Motorist Coverage. If you’re involved in an accident with a driver without car insurance, this coverage kicks in. It can pay you and your passengers for medical bills, lost income, pain and suffering, and damages to your vehicle, fence or home in some states.

Underinsured Motorist Coverage. This coverage pays for expenses, damages, or injury caused by a driver with car insurance but is not enough to cover all your costs. For example, if you incurred $50,000 in covered expenses and the at-fault driver’s policy had coverage limits of $40,000, your underinsured coverage would pay the $10,000 difference.

Medical Payments Coverage. Also known as MedPay, this coverage pays for medical costs and expenses regardless of the cause of the accident. If you’re riding in your car, a passenger in someone else’s car, or if you’re struck by a vehicle while walking or riding your bike, MedPay can help. 

Full Coverage Auto Insurance

Couple and child smiling in car

If you are looking for the most comprehensive coverage for your vehicle, then full coverage might be right for you. It includes the minimum liability coverage required by most states and comprehensive and collision insurance. 

While your state probably does not require you maintain a full coverage policy on your car, you may be required to purchase this coverage if you are financing or leasing your vehicle from a bank, credit union, or finance company. You may also want to consider full coverage insurance if you buy a new car outright. 

Let’s explore what you can expect with full coverage car insurance:

Comprehensive Insurance Coverage. You should add this coverage to your auto insurance policy to avoid unexpected costs related to damages to your vehicle caused by non-collision incidents. This coverage pays for damages when:

  • Your car catches on fire
  • Someone steals your car.
  • A tree falls on your car.
  • Rocks crack your windshield.
  • You hit a deer or other animal.
  • Weather events such as earthquakes and hail
  • Someone breaks into your car.

Collision Insurance Coverage. As the name implies, collision coverage pays the costs to repair the damage to your car when you collide with something. Whether it’s another vehicle, building, or fence, collision insurance may also protect you if you’re involved in an accident with another uninsured driver or underinsured driver.

In addition, if you hit another car, object, or lose control of your vehicle, and it results in it rolling, collision insurance will likely cover those damages as well.

Unlike liability-only insurance, full-coverage policies carry a deductible.

Full Coverage Car Insurance Add-Ons

There are a few additional insurance coverage types you should know about beforehand. Having this additional information should help you expedite your car insurance process.

Coverage TypeWhat It Covers
Rental Car Reimbursement
If you cannot drive your car due to a covered comprehensive or collision claim, your insurance company may reimburse you for your rental car expenses while your vehicle is being repaired.
Roadside Assistance
Unfortunately vehicles break down and run out of gas – often during least convenient times. If you cannot drive your car due to an accident, breakdown or other emergency, roadside assistance will tow your car to a nearby repair shop or your home.
Gap Coverage
Suppose your vehicle is financed or under a lease, and the insurance company has declared it a total loss due to the upside-down ratio of damage costs to the vehicle’s value. In that case, gap insurance will pay the difference between what your insurance company values your loss and the total amount due on your loan.
Example. If you owe $35,000 on your loan and your insurance company writes them a check for $30,000. Your gap coverage will pay your lender’s remaining $5,000 balance.

Look Into Available Discounts

Companies like State Farm and Geico offer discounts on your car insurance premium if you’ve taken a defensive driving class. At the same time, Allstate and Nationwide will cut your rate if you’re a good driver with no at-fault car accidents. You may qualify for discounts for low milage usage, good student, professional affiliation, and military. When comparing car insurance rates, ask about all available discount options to see which you qualify.  

Other discounts that can save you money on your car insurance rates are:

Discounts Based on Your Car Insurance Policy.

These discounts are directly linked to the type and terms of your auto insurance policy. They include:

  • Multi-Car Discounts. Ensuring more than one vehicle on the same policy can save you money.
  • Multi-Policy Discounts. Bundling your home, condo, boat, motorcycle, and auto insurance with the same insurance company to reduce your insurance premiums.
  • Pay-in-Full Discounts. Save money when you pay your car insurance in full instead of dividing it into monthly installments. 
  • Autopay Discounts. You could qualify for this discount if you elect to have your car insurance premiums automatically debited from your bank account.

Compare Your Options

woman on computer researching car insurance options

Now that you know the coverage you want and have quotes from several different companies, you want to compare your options to see which is the best one for you. 

Determining the policy you want should be based on what’s most important to you. 

If you just want the cheapest coverage, that’s easy – you can take a look at who offers the most affordable premium for your policy. 

If you want an insurance company that’s up to date with the latest technology and has an easy to use app for your convenience, then compare the tech available for each company on your list. 

If your desire is to have a policy that offers tons of discounts, you can look at the company’s site to see what discount options are available. 

Ultimately, the decision is going to be based on what you need most and once you find a company that provides the coverage you need, fits your budget and meets your other qualifications, you can move forward with securing your policy. 

Sign Up For Coverage

Now this is the easy part. Once you know which insurance company you want to work with, most make it easy to move forward with getting coverage. 

Typically, you’ll need to set up an account, make your first month’s payment  and decide whether you want to set up auto pay or manual payments. They’ll provide proof of coverage and your insurance declaration page so you have all the details you need to prove you have coverage on your vehicle, then you’re good to go. 

FAQS About Getting Car Insurance Fast

How fast can I get car insurance online?

You can typically get auto insurance coverage on the same day you determine the policy you want. Many drivers will purchase a vehicle at the dealership and have a new insurance policy before they drive off the lot. 

Can car insurance be effective immediately?

Yes, most auto insurance companies sell insurance coverage that’s available immediately after signing up. 

Can you get insured on the same day?

You surely can. Auto insurance companies make it simple and quick to secure insurance because they understand it’s illegal to drive without it. 

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