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Sometimes, we make last-minute purchasing decisions and then are left second-guessing ourselves. Fortunately, when it comes to auto insurance, you don’t have to worry about not being able to pick it up as soon as you need it. So long as you are calling within business hours, a car insurance company is more than willing to start an insurance policy the same day. This essentially means that you can pick out a car, get someone else to take you to go look at it and pick up auto insurance when you decide to purchase it.

How Can I Buy A Car And Take It Home The Same Day?


You should easily be able to purchase a car and take it home on the same day. It is even easier to do if you already have your own personal car insurance policy. If you do not, it is going to take you a little bit more time, but you can still do it in one day. Your first step is going to be purchasing the vehicle and receiving the ownership. At this point in time, you can call up an insurance company. Give them the information for the vehicle that they want to know eg. model year, Vin number, etc. They will walk you through insurance protocol and give you your policy number. Take this number and go to your local registration office. Give them the number, pay taxes on the vehicle, get your plates and registration and you can be on your way.

If I Buy A Car From A Dealer, Can I Drive It Home?

When you buy a vehicle from a dealership it is unlikely that you will be able to drive it home right away. It normally takes a few days for all of the paperwork to go through. Some dealerships do have what is called a “drive-away” policy in place. This lets you drive away with the vehicle. However, usually with this policy, the vehicle is still technically theirs. It is also covered by their insurance until your registration and insurance requirements go through. Dealerships like to verify documents. They don’t want anything to come back to bite them later on. Generally, it should just be a few days and you should have your vehicle.

When Does Insurance Coverage Start?


Insurance coverage starts from the moment that you tell your insurance company to start it. If you want your insurance to start a week from today, your insurance company will be happy to oblige. There is no specific time that insurance starts on a vehicle after discussing and agreeing to an insurance policy. It starts whenever you and an insurance provider agree to start the insurance policy and it also ends whenever you agree to end it.

Can I Negotiate A Rate With My Auto Insurance Company?

You can definitely try to negotiate a rate with your auto insurance company. Auto insurance companies are not privately owned (unless you are purchasing mandatory government coverage). Due to this reason, you have every right to negotiate. Insurance companies are just privately owned businesses that are looking to make a profit. Auto insurance is mandatory to have in Canada. You can bet that there are people who are paying less than you for their auto insurance. The more you negotiate, the better the rate you are likely going to get.

How Accurate Is The Timing Between The Start And Stop Of An Auto Insurance Policy?

The timing for when an insurance policy starts and ends is extremely accurate. If an insurance company says you have coverage now, this means at that exact second, you now have insurance coverage. So, if you look out your window, an asteroid hits your vehicle and you have comprehensive insurance, technically you can make a claim. The stopping of your auto insurance policy is exactly the same as the start. The day your auto insurance expires, at 12:01 AM the next morning, you will no longer have any coverage. Due to this reason, if you are renewing coverage, always make sure you do it on the expiration date or prior to the expiration date and not the day after.

Do You Have To Pay A Deposit To Start Car Insurance?


You do not technically have to pay a deposit to start your car insurance policy. However, car insurance payments work in a way that you do always pay ahead of time for insurance coverage. At the end of each month when you pay your car insurance bill, you are actually paying for the next month of coverage. This could be seen as paying a deposit for each month. However, it is different than a deposit in that if you cancel your car insurance, you are likely going to be refunded the dollar amount of insurance that you haven’t used yet.

How Long Does It Take To Start Insurance Coverage?

Depending on how in-depth an insurance provider wants to discuss your policy with you, it can be from around 20 minutes to as long as an hour to start an insurance policy. It only takes as long as an insurance provider takes to read you the necessary information to get your policy going. However, in as much of a rush as you might be in to start your coverage, you might not want to rush this conversation. Insurance is an extremely important matter and this is a great time to ask questions and make sure that you have all of the coverage you want and need.

To Conclude

Buying a new vehicle is extremely exciting. You likely want to drive it as soon as possible. However, it is even more important to make sure that you have the proper insurance. It only takes a split second to crash a vehicle, no matter if it is new or used. You definitely don’t want to drive it without insurance coverage on the off chance you get caught or get into an accident. You can set up your insurance and drive your new vehicle all on the same day. So, make sure you take the time to hear your insurance company out and set up an insurance plan that works for you.

About the Author: Ashley Miller

Ashley is an insurance content professional and very knowledgeable on all related subjects. Ashley has over 12 years of insurance content writing experience working with various insurance companies throughout her career.