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How long does it take for your car insurance to take effect?
I purchased a car insurance policy today and it says the effective date is today. This is my first policy for my first-ever car, and I'm not exactly sure what this means—am I covered today, or is there a waiting period?
Emily Maracle · Updated on
Reviewed by Shannon Martin, Licensed Insurance Agent.
“Congrats on your first car! I’m happy to say that if your
insurance declaration page
says that your policy is effective today, you are covered today. If you purchase a policy the same day as it’s effective, there isn’t a waiting period. Take a look at your
car insurance
policy documents; it should say that coverage is effective as of 12:01 AM today!While there isn’t a waiting period, you do want to be sure you sign all of your policy documents. If you purchased your insurance policy online, most companies send you all of your policy documents electronically. You will need to e-sign the documents to ensure you maintain coverage.
If you still feel unsure about coverage, you can always speak directly with an agent at your car insurance company. They will be able to confirm all of your policy details and when your coverage is effective.
It’s great that you have coverage—but it also never hurts to shop around for different plans and providers! If you want to make sure you’re getting the best deal on the coverage you need, try using the
Jerry
app. We’ll get you customized quotes from top-of-the-line providers so that you can make sure you’re getting the coverage you need at the best price point—and if you do want to switch, we’ll help with that, too!Congrats again, and enjoy the open road!”
View full answer
- Gregory R.
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