How to get same-day car insurance

How long does it take to get car insurance?

You can get an online quote for car insurance in minutes with Progressive and many other auto insurance companies. If you like the quote, you can often purchase the policy and have immediate coverage. Whether you buy auto insurance online, over the phone, or through an agent, here's what you typically need to start a policy:

• The vehicle identification number (VIN): Located on the vehicle's dashboard or the driver's side door, the VIN is necessary for all cars on your policy
• Your driver's license number: You need a valid driver's license to start a policy, and your insurer will ask for the driver's license number for all drivers listed on the policy
• The first month's payment: You can also pay for your policy in full, but be prepared to pay something upfront to start your policy. There's no such thing as "no money down" auto insurance.

How does immediate car insurance work?

With many insurers, including Progressive, your auto insurance coverage is typically effective once the payment is processed — assuming you choose to have the policy start immediately. Within minutes of purchasing a Progressive policy, an email will be sent to you with a link to your insurance card so you have proof of insurance.

Depending on the insurance company and your situation, there may be times when obtaining same-day auto insurance coverage isn't possible. Always ask your insurer or agent exactly what day/time the policy will become effective.

If an insurer requires a waiting period for your policy to begin but you need immediate coverage, you can shop around for a quicker option. Not all insurance companies will have the same restrictions when it comes to activating a policy.