If you want to buy a new or used car and have a busy schedule, you may only be able to do it on weekends or outside of traditional business hours. The dealership may extend hours to give more flexibility to people in your situation, but you may have insurance concerns.
How will you take care of this important coverage if you’re ready to pick up your car after hours? when can you take out insurance? this may be challenging for people in your situation and you need answers before proceeding. we explain your options here.
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If you need to shop for car insurance on the weekend, enter your zip code to compare free quotes from multiple companies and find affordable car insurance.
can you buy car insurance on weekends?
The good news is that you should be able to confirm coverage outside of traditional business hours Monday through Friday 9-5. Most insurance companies have a customer service phone line and many have walk-in offices. They are open on Saturdays. In some cases, you may not even need to worry about speaking with an agent if your current policy has a specific rider. In this case, you get auto insurance on a new car for a set period of time.
Most companies will also allow you to purchase a policy online or through a mobile app. This is especially easy if you already have a policy with that company, but new policies can also be purchased this way.
what are direct writers?
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many national insurance companies operate a “direct subscriber” policy. this means that they do not necessarily use independent sales agents and deal directly with the public. those organizations usually have a 24-hour phone line, where you can call a number (often toll-free) to get quotes, make payments, link coverage, or file claims.
They also tend to use a lot of online services and most have mobile apps that allow them to handle most needs.
can you buy car insurance on weekends with independent agencies?
Some independent insurance agencies may be open on Saturdays or offer a service by appointment only. National companies will generally offer more flexibility and allow you to purchase last minute insurance on any day and at any time during the week.
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If you’re convinced you want to work with an agent and they’re not usually open during weekend hours, you need to prepare ahead of time. discuss what you plan to do and get a quote for the vehicle you have in mind. You need to see if they can answer your call after hours to bind coverage if you agree to the terms with the dealer or seller.
do you need immediate insurance?
You should have at least the minimum amount of auto insurance before you drive off a dealer’s lot. Every state’s dmv requires the dealer to submit paperwork, so they’ll confirm you have coverage before you get the keys.
As soon as the seller approves the purchase, you become the legal owner of the car and must comply with the applicable auto insurance laws in your state. Also, when looking for full coverage insurance to lease a car, this company will generally require you to have comprehensive and collision coverage to protect the vehicle and your interest in it. the same applies to financed cars.
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You can compare available numbers, but insurance rates are always unique to the individual. For example, here is a chart of the average car insurance rates in each state:
can you get an automatic extension?
You can’t just wait until the weekend is over and the offices open on Monday. You must have current insurance from the time you purchase the vehicle. however, check to see if you have a newly purchased provision written into your existing insurance policy to find out how many days you have to get auto insurance.
If so, your current insurance company may automatically extend the type of coverage you now have to protect a newly purchased vehicle. even then, this coverage will only stay in effect for a certain period of time, so you’ll need to contact the insurance company as soon as possible so they can issue a policy for the new vehicle.
Can you take out car insurance for a weekend?
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While some people worry about insuring a car over the weekend, others want to know if it’s possible to get auto insurance for a weekend. temporary insurance policies can offer coverage from as little as an hour and can certainly include a weekend. so if you want to borrow a vehicle to move, look for insurance companies that offer temporary protection.
These are some of the top providers you should consider shopping for a weekend policy. We’d also be crazy not to mention that you can quickly get weekend car insurance using our free tool above, making it easy to shop for weekend car insurance.
These companies with a large market share usually have business hours on weekends for quotes, inquiries and complaints. this makes it very convenient for people who need weekend services.
bottom line: how to buy car insurance over the weekend
Most national insurance companies offer 24-hour customer service, so you may be able to get coverage for a newly purchased vehicle over the weekend. you can also get coverage online.
If you work with an agency, you need to talk to them to see if they can accommodate you. Some policies have a clause that will automatically temporarily cover a newly purchased vehicle.