Can I get car insurance on the weekend?

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Here's what you need to know...
  • A majority of car buyers will buy on the weekend so there’s a need to buy insurance on the weekend
  • The finance department must verify that a car has insurance before the buyer will have the opportunity to drive off
  • You can take out a new policy on the weekend with certain companies by phone or even in person
  • If you already have insurance, you can add the vehicle to your insurance on the weekend by calling customer service
  • District offices have more flexible hours but some agencies that have weekend hours by appointment only

Car dealerships are busiest on the weekends. If you’re going to buy a car and you don’t want to take time off of work to do it, you’ll probably end up going in to test drive cars and negotiate a deal on a Saturday or a Sunday.

Unfortunately, not only do you need to choose an hour that’s convenient for you, you also have to worry about other establishments being open so that you can complete your purchase.

When you’re financing your purchase through your own bank, you need to be sure a representative will be available if you have issues with your loan check.

You also need to secure insurance coverage as soon as you buy the car to satisfy state law and dealer requirements. Compare car insurance quotes today so you can find a good rate.

If you’re worried about getting insurance on the weekend, here’s a guide to help:

Do you have existing auto insurance?

If you already own a car and have insurance on that car, getting insurance on a newly purchased car is a lot easier. Your existing policy, no matter how long there is left on the term, will cover the car you just purchased for a small period of time.

Since there’s automatic coverage on the car, you don’t need to contact the insurer right away.

Surprisingly enough, your insurer will automatically cover the new vehicle that you buy for 14 to 30 days. Only the coverage that you have on the other vehicle on the policy will extend to the new car for the entire period.

For four days, you’ll get comprehensive and collision coverage on your new car only if you don’t have full coverage on your policy at all.

Can you call your existing insurer on the weekend to get your policy documents?

The dealer will definitely need to see that you have insurance in place. Since they won’t just take your word for it, you’ll have to present proof of insurance or a declarations page.

If you need to contact customer service instead of sales to get the document faxed, you’ll have an easier time getting in contact with the person you’re looking for.

Many people assume that they have to speak with their agent when they purchase their insurance through an exclusive local agency like State Farm, Allstate, or Farmers.

Since these types of insurance offices are usually only open on weekdays between the hours of nine and five, you may worry that you won’t be able to get the documents that the dealer is requesting until the weekend is over.

You don’t generally have to worry about delaying your car purchase because most of the larger companies that have local agencies will have a customer service number where you can call to service your policy or ask questions 24 hours a day.

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Can you buy a new policy on the weekend?

If this is your first car and you don’t have insurance, the mission to get coverage on your car is a bit more involved. You’ll have to have insurance in place before you leave the dealership with your car so doing business with a carrier that is open on the weekend is a must.

Only some insurance companies are open on the weekend so navigating the marketplace is important.

What types of offices are open on weekends?

If you’d prefer to do business with an insurance agency like Progressive, State Farm, Farmer’s, Allstate, American Family, or the Hartford, you’re going to be limited in your ability to bind coverage with the agent.

These offices are usually open during business hours or by appointment.

A district office is one that’s run by the carrier and not the agent. At these types of offices, there are numerous sales people in one office and the hours are set by the company. District offices typically do have at least Saturday offices.

Here are some of the offices that have weekend hours

COMPANYMONDAY TO FRIDAYSATURDAYSUNDAYONLINE AND PHONECONTACT
Disclaimer: Hours of operation may vary based on location. All hours are based on local time. Hours of operation are subject to change due to holidays or special events.
21st Century9:00 AM to 5:00 PM9:00 AM to 5:00 PMClosedYou can make a payment, file a claim, or get a quote 24/7 online or by phone.888-244-6163
AAA7:00 AM to 10:00 PM7:00 AM to 3:30 PM7:00 AM to 3:30 PMThese are typical hours of operation. Hours vary based on individual auto club groups. Online quotes, online payment options, and options for filing claims online vary based on individual auto club groups.800-222-4357
Allstate8:00 AM to 5:00 PMClosedClosedYou can make a payment, file a claim, or get a quote 24/7 online or by phone.800-255-7828
American Family9:00 AM to 5:00 PMBy AppointmentBy AppointmentYou can make a payment, file a claim, or get a quote 24/7 online or by phone.800-692-6326
Ameriprise8:30 AM to 5:00 PMClosedClosedYou can get a quote 24/7 online or by phone.800-535-2001
Amica8:00 AM to 5:00 PMClosedClosedYou can file a claim 24/7 by phone.800-242-6422
Country Financial9:00 AM to 5:00 PMClosedClosedYou can make a payment, file a claim, or get a quote 24/7 online or by phone.866-268-6879
Farmers9:00 AM to 5:00 PMBy AppointmentClosedYou can file a claim or get a quote 24/7 online or by phone.888-327-6335
Geico9:00 AM to 5:00 PMBy AppointmentBy AppointmentYou can make a payment, file a claim, or get a quote 24/7 online or by phone.800-861-8380
Liberty Mutual8:30 AM to 5:00 PMClosedClosedYou can make a payment, file a claim, or get a quote 24/7 online or by phone.800-837-5254
MetLife9:00 AM to 5:00 PMClosedClosedYou can file a claim or get a quote 24/7 by phone.800-422-4272
Nationwide9:00 AM to 5:00 PMBy AppointmentBy AppointmentYou can make a payment, file a claim, or get a quote 24/7 online or by phone.877-669-6877
Progressive7:00 AM to 7:00 PMClosedClosedYou can make a payment, file a claim, or get a quote 24/7 online or by phone.800-776-4737
Safe Auto8:00 AM to 8:00 PM9:00 AM to 6:00 PMClosedYou can make a payment, file a claim, or get a quote 24/7 online or by phone.800-723-3288
Safeco9:00 AM to 5:00 PMClosedClosedYou can get a quote 24/7 online or by phone. You can file a claim 24/7 by phone only.800-332-3226
State Farm9:00 AM to 5:00 PMBy AppointmentBy AppointmentYou can make a payment, file a claim, or get a quote 24/7 online or by phone.800-782-8332
The General8:30 AM to 5:30 PM9:00 AM to 1:00 PMClosedYou can make a payment or get a quote 24/7 online or by phone. You can file a claim 24/7 by phone only.844-328-0306
The Hanover9:30 AM to 5:00 PMBy AppointmentBy AppointmentYou can make a payment or file a claim 24/7 online or by phone.800-628-0250
The Hartford9:00 AM to 5:00 PMClosedClosedYou can make a payment or file a claim 24/7 online.800-423-6789
Travelers8:00 AM to 5:00 PMClosedClosedYou can make a payment, file a claim, or get a quote 24/7 online or by phone.800-252-4633
USAA7:00 AM to 7:00 PM8:00 AM to 4:30 PMClosedYou can file a claim or get a quote 24/7 online or by phone.800-531-8722

Do carriers have sales agents available by phone?

You might not be able to get the face-to-face service that you desire on the weekend but that doesn’t mean there are not sales agents on standby.

Most carriers have a satellite office where sales agents take phone calls from across the country. These agents can provide quotes any hour of the day and sell the quote as well if you call the toll-free number.

Can you purchase insurance online?

If you can’t buy in person and you can’t call a sales agent, buying auto insurance online is always an alternative. Online quoting systems are always open.

Some direct writers only sell insurance on the Internet and other offices have multiple contact methods. If you want a quick vehicle quote on a car you tested out, using the online system is easiest.

Carriers have their own official quoting systems but that means that you have to get multiple quotes all while you sit in a dealer’s office. The better alternative is to use a comparison system online via a mobile device.

Comparing on your mobile device helps you get multiple quotes at once so you can compare price quickly. You can enter the vehicle model, your address, and your personal information, and then price shop all from your little phone or tablet.

Compare today using our free rate tool! Just enter your zip code to get started.

References:
  1. http://budgeting.thenest.com/auto-insurance-cover-first-buy-new-car-4020.html
  2. https://www.moneyunder30.com/car-buying-mistakes
  3. http://www.360financialliteracy.org/Topics/Insurance/Cars-and-Auto-Insurance/State-by-State-Minimum-Coverage-Requirements
  4. http://www.360financialliteracy.org/Topics/Insurance/Cars-and-Auto-Insurance/Do-I-need-to-get-auto-insurance-before-I-buy-a-new-car
  5. http://thismatter.com/money/insurance/types/auto-insurance.htm
  6. https://www.scc.virginia.gov/boi/co/pc/auto/PP00010105.pdf
  7. http://dor.mo.gov/drivers/insurinfo.php
  8. http://www.yellowpages.com/los-angeles-ca/mip/21st-century-insurance-481603419?lid=481603419
  9. https://autoclubsouth.aaa.com/hours_membership.aspx
  10. http://www.storebusinesshours.com/allstate-insurance-hours
  11. http://www.storebusinesshours.com/american-family-insurance-hours
  12. http://www.storebusinesshours.com/ameriprise-hours
  13. https://representatives.countryfinancial.com/ashely.turner
  14. http://www.storebusinesshours.com/farmers-insurance-hours
  15. http://www.storebusinesshours.com/geico-hours-2
  16. https://www.libertymutual.com/insurance-office-columbia-sc?src=lm-dorg-mah-gmb1604102725&llid=lm-dorg-mah-gmb1604102725
  17. http://www.hoursofoperation.biz/MetLife/Hours%20of%20Operation
  18. http://www.storebusinesshours.com/nationwide-insurance-hours
  19. https://www.progressive.com/claims/concierge-locations
  20. https://www.safeauto.com/about/contact-us
  21. https://www.carolinabank.net/locations-and-hours.htm
  22. http://www.storebusinesshours.com/state-farm-hours
  23. https://autoinsurancespecialistsc.com/contact
  24. http://www.hanover.com/about-regional-offices.html
  25. http://www.cms-insurance.com/contactus.php
  26. https://www.travelers.com/contact-us/index.aspx
  27. https://www.usaa.com/inet/pages/ContactUsPC?wa_ref=contact_us_phone_main
  28. http://www.iii.org/publications/insurance-handbook/regulatory-and-financial-environment/buying-insurance-evolving-distribution-channels

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