How long does a car insurance quote last?
Car insurance quotes last for 60 days. Once you sign your car insurance policy, your rates will not change at all during your policy term.
Free Car Insurance Comparison
Compare Quotes From Top Companies and Save
Secured with SHA-256 Encryption
Daniel Walker
Licensed Insurance Agent
Daniel Walker graduated with a BS in Administrative Management in 2005 and has run his family’s insurance agency, FCI Agency, for over 15 years (BBB A+). He is licensed as an insurance agent to write property and casualty insurance, including home, life, auto, umbrella, and dwelling fire insurance. He’s also been featured on sites like Reviews.com and Safeco. To ensure our content is accura...
Licensed Insurance Agent
UPDATED: Oct 5, 2024
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident car insurance decisions. Comparison shopping should be easy. We are not affiliated with any one car insurance company and cannot guarantee quotes from any single company.
Our partnerships don’t influence our content. Our opinions are our own. To compare quotes from top car companies please enter your ZIP code above to use the free quote tool. The more quotes you compare, the more chances to save.
Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.
UPDATED: Oct 5, 2024
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident car insurance decisions. Comparison shopping should be easy. We are not affiliated with any one car insurance company and cannot guarantee quotes from any single company.
Our partnerships don’t influence our content. Our opinions are our own. To compare quotes from top car companies please enter your ZIP code above to use the free quote tool. The more quotes you compare, the more chances to save.
On This Page
When you are signing up for car insurance, it can be very tempting to simply go for the lowest possible rate that you are quoted.
Before you take the plunge, make sure that you get enough car insurance quotes to know that you truly are getting the best rate and that you are getting enough coverage so that you are sufficiently protected in an auto accident.
When you are quoted a price for a policy, ask the company – how long is an insurance quote good for? Usually car insurance quotes change every are 60 days, but how often car insurance quotes change depends on if they are updated in real-time.
Once you sign for a policy, your rate will not change in the middle of your policy term.
Start comparison shopping for auto insurance by entering your zip code above!
- A car insurance quote tells you the monthly rate that you can expect to pay for your car insurance policy
- Every car insurance company will keep a quote active for a certain period of time, so if you need more time to shop around, be sure to ask how long the quote is valid for
- When you get a quote for car insurance, that quote is typically for a term of either six months or a full year
How to Get Car Insurance Quotes
Do not fall into the trap of only fixating on the price when you are considering a quote for a car insurance policy.
You need to look beyond the sticker price and think about whether you are being offered enough coverage to protect your assets in the event of a car accident.
In addition, you need to have insurance from a company that will honor the terms of your policy and has a good history of providing coverage to many other drivers in your state.
If you have lower policy limits and fewer supplemental coverages under your policy, you will pay a lower premium.
However, if you end up getting in an accident down the line, you may regret not having enough insurance coverage to take care of the damage you cause to another car or to your own vehicle.
In this instance, you would need to pay out of your own resources to take care of whatever damage is left over that your car insurance policy does not cover.
Free Car Insurance Comparison
Enter your ZIP code below to view companies that have cheap car insurance rates.
Secured with SHA-256 Encryption
Choosing the Right Car Insurance Quote for You
Even though you may feel time pressure to lock down a quote on your car insurance policy before it expires, it is crucial that you take the time in selecting the right auto insurance policy for you.
You want to make sure that you know what types of coverage are appropriate and the level of coverage that you should have.
If you have a much older car that has a very low current value, then you may not want to invest as much in protecting it against physical damage from an accident.
In this case, collision or comprehensive coverage would be much less important to you.
You would still want to have plenty of auto liability coverage so that you are able to take care of all damages through your insurance policy if you hit another car.
You can turn to the state requirements for car insurance to make sure that you are meeting the bare minimum for coverage.
When car accidents happen, they almost always involve more damage than what would be covered under a basic auto liability policy that only meets the state minimum coverage amounts.
Things That Could Change Your Car Insurance Quote
When you do get a quote for a car insurance policy, there are some things that could change the price that you ultimately pay.
If you are involved in an accident after requesting a quote or have a traffic ticket issued against you, this could increase the price that you have to pay for your car insurance policy.
Also, if you need to add an additional car or another driver to your policy, this could also result in a higher price that you need to pay for your car insurance premium.
Case Studies: Duration of Car Insurance Quotes
Case Study 1: Immediate Policy Purchase
John received a car insurance quote from an insurance company and decided to purchase the policy immediately. In this case, the insurance quote was valid at the time of purchase, and John was able to secure coverage based on the quoted rate. The quote duration was not a factor in this scenario since John proceeded with the policy purchase without delay.
Case Study 2: Quote Validity Period of 30 Days
Sarah received a car insurance quote that had a validity period of 30 days. During this time, Sarah had the opportunity to compare quotes from different insurers and evaluate her options. She ultimately decided to purchase the policy from the insurer who provided the original quote within the 30-day period. Sarah ensured that the policy was issued and effective before the expiration of the quote validity.
Case Study 3: Quote Validity Period of 14 Days
Mike received a car insurance quote that had a validity period of 14 days. During this time, Mike took the opportunity to gather additional quotes, compare coverages, and explore different insurance options. However, he did not purchase a policy within the 14-day validity period. As a result, Mike needed to obtain a new quote from the insurance company when he was ready to proceed with the purchase.
Case Study 4: Dynamic Pricing and Instant Quotes
Samantha utilized an online platform that provided instant car insurance quotes. The quotes obtained through this platform were based on dynamic pricing algorithms that consider real-time factors, such as driver profile, vehicle information, and current market conditions.
Samantha was able to view and compare multiple quotes within a short timeframe and make an informed decision based on the most competitive rate available at that moment.
Free Car Insurance Comparison
Enter your ZIP code below to view companies that have cheap car insurance rates.
Secured with SHA-256 Encryption
The Final Word on Car Insurance Quotes
It is certainly easy to get a quote for a car insurance policy. The more difficult part is in deciding which car insurance quote is right for you and your family.
When you are considering different quotes from different car insurance companies, be sure to ask them how long the particular quote will remain active so that you do not miss out on locking in a good rate.
As soon as you have officially accepted the quote and signed the car insurance policy, then that particular rate is locked in for the duration of your policy term.
A policy term is usually either a six month or one year period.
After that time, your premium could stay the same, increase or decrease, and this usually depends on whether you filed any claims during that period or received any tickets for moving violations.
Start comparison shopping for auto insurance quotes today by entering your zip code below!
- https://www.iii.org/article/what-auto-insurance
- https://wallethub.com/edu/types-of-car-insurance/9636/
- https://www.iii.org/article/choosing-an-insurance-company
- https://www.edmunds.com/car-reviews/top-10/top-10-ways-to-lower-your-car-insurance-bill.html
- https://www.iii.org/article/auto-insurance-basics-understanding-your-coverage
- https://www.iii.org/article/is-it-legal-to-drive-without-insurance
Frequently Asked Questions
How long does a car insurance quote last?
Car insurance quotes last for 60 days. Once you sign the policy, rates remain unchanged during the term.
What else should I consider besides price?
Look beyond price and consider adequate coverage and the company’s reputation.
How do I choose the right quote?
Understand your coverage needs, state requirements, and select appropriate coverage levels.
Can my quote change?
Yes, factors like accidents, tickets, and adding cars/drivers can affect the price.
How long is the rate locked in after acceptance?
The rate is locked for the policy term, usually 6 months to 1 year.
Free Car Insurance Comparison
Enter your ZIP code below to view companies that have cheap car insurance rates.
Secured with SHA-256 Encryption
Daniel Walker
Licensed Insurance Agent
Daniel Walker graduated with a BS in Administrative Management in 2005 and has run his family’s insurance agency, FCI Agency, for over 15 years (BBB A+). He is licensed as an insurance agent to write property and casualty insurance, including home, life, auto, umbrella, and dwelling fire insurance. He’s also been featured on sites like Reviews.com and Safeco. To ensure our content is accura...
Licensed Insurance Agent
Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.