You know you need new car insurance, but you don’t have a lot of time to dedicate to it. That’s understandable! Don’t let the thought that this will be a long process stop you from getting the coverage you need. We’ll go over how long it will take to get car insurance, plus ways to speed up the process.
How Long Does It Take to Get Car Insurance?
We have great news for you. Buying car insurance can be quick- as quick as you make it. It can take a few minutes or a few hours to apply for car insurance. It can be done over the phone or online, which is by far the fastest way. One thing you can do to move the entire thing along faster is to have the right information ready at the start. This means your personal information, driver’s license number, vehicle identification number (VIN), credit scores, and driving history.
Insurance rates vary from company to company. Some car insurance companies charge a lot for the same insurance coverage other insurance companies offer for a much lower price. They hope you’re in too much of a rush to shop around and notice. In fact, comparing quotes is the part of shopping for car insurance that takes the longest.
Once you’ve compared quotes and chosen the car insurance option with a coverage limit that’s right for you, you’ll choose a start date for your auto insurance policy, and then make your first payment. You’re all finished! You’ll receive proof of insurance right away, which is especially handy if you need it to take home a new car.
When Car Insurance Takes Effect Get Car Insurance in Illinois
It can also be very quick for the policy to take effect. If you’re buying a car and need coverage so you can drive it off the lot, know that you don’t need to wait long for your policy to start. It can begin the same day you buy it, unlike health insurance, life insurance, or homeowners insurance.
Car Insurance Quotes From Pronto Insurance
One of the best ways to make buying car insurance as quick and efficient as possible is to begin your shopping experience with Pronto. When you do, you’ll find we have the best policies for the lowest prices. We’re the insurance agency you’ve been looking for, and happy to prove why. Save money and time when you buy insurance with Pronto Insurance!
Non-owner Car Insurance Policy Through Pronto
We offer non-owner car insurance that is less costly than automobile insurance coverage for a vehicle you own. This meets the requirements for a SR-22 or FR-44 form. Your age, driving history, where you live, and how often you drive all factor into the rates you will be offered. Reach out to Pronto Insurance today to learn more!
Why Someone Would Get Car Insurance Without a Car
A person with a driver’s license doesn’t necessarily need to own a vehicle in a lot of big cities. Trying to find parking and sitting in traffic is such a hassle, plus cars are expensive. Even if you don’t drive in everyday life you may occasionally need to rent or borrow a vehicle.
If you rent a vehicle, the rental company will offer protection for the vehicle but you’d still be stuck paying for your medical payments out of pocket in the event of an accident. The cost of a non-owner automobile insurance policy is much less than putting hospital bills on your credit card if you’re at fault for an accident!
Maybe you have a friend or family member you don’t live with who allows you to borrow an automobile when you need it. Their insurance policy may allow them to list other drivers for permissive use, which would cover accidents that occur while you’re borrowing their vehicle, but any damages or medical bills that exceed the limits of their owner liability policy would be your responsibility to pay. You’ll need to get your friend’s vehicle fixed if they don’t have full collision coverage.
All insurance policies have liability limits. Non-owner automobile insurance provides you with additional protection in such cases. Borrowing and renting vehicles, or being in a car sharing service, are all good examples of when this insurance is needed.