lady in carWhen getting new auto insurance, chances are good that you will want the policy to be effective right away. In some cases, you can get car insurance the same day that you request it – but there are limitations. 

If your current policy is expiring or you need to have insurance in place right away, keep one thing in mind. Most of the time, you can secure auto insurance quickly.

Policies Terms and Contract Details

When obtaining a car insurance policy, talk to your insurer about what you can expect. If you need insurance immediately, you can obtain a quote and buy a policy right away in most cases. 

A fast process is only a good thing if you’ve taken time to compare a variety of policies. This ensures you have the right one for your unique needs. Also note the importance of paying for your policy immediately. Some policies only become effective once the individual actually pays for the policy.

When Coverage Takes Effect

The policy will specifically outline the dates when it is in effect. However, if you are making changes to an existing policy, there may be a waiting period for when you can file a claim.

For example, if you up the amount of coverage you have on your vehicle today and then report a claim tomorrow, insurance might deny the claim for suspicion of fraudulent claims. The good news is that most waiting periods usually are brief.

Take a Look at Your Needs

Most of the time, it is good to look for a new auto insurance plan at least a month before your existing one expires. This will give you time to get quotes and compare options for various plans that may fit your needs.

Talk to your insurer about options related to the amount of coverage you have. Also ask about your deductible and any special adjustments you need to make for drivers, onboard assets, or other features.

Don’t put off getting the auto insurance you need and avoid allowing your policy to expire. This can make it harder to obtain a new one and a bit more costly in some situations.

Do you need auto insurance? Give us a call or request an online quote today. We can help you pick the policy that is best for you.

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