Are Car Insurance Places Open On The Weekend?
When life is busy, you need a car insurance provider available over the weekend. While limited hours are expected, it’s still possible to find support.
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Key Points:
- The weekend availability of your car insurance provider depends on where you live and what services you’re trying to access.
- Many reputable providers offer services on their website or mobile app that allow you to get free quotes, make payments, and even file claims on the weekend.
- You can find the weekend hours of an independent agent near you by utilizing the “find an agent” tool on a car insurance company’s website.
If you work on weekdays, you’re used to companies not being open when you need them during nights and weekend hours. Fortunately, there are many auto insurance providers that are available to assist you on Saturdays and Sundays with limited hours. If you need to manage your policy or file a claim, you may be able to find car insurance places open on the weekend.
Keep reading to learn how auto insurance companies operate on weekends, and how to find a provider who will support your busy schedule outside of weekdays. It’s important to compare insurance providers before you commit to a policy, so we’ve reviewed the best car insurance companies and will offer our recommendations at the end of this article.
You can also use the quote tool below to get free quotes from companies in your area.
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Are Car Insurance Providers Open On The Weekend?
Many drivers work traditional 9-to-5 business hours, which means they may wait until the weekend to run errands and handle responsibilities like managing their auto insurance policy. If you’re looking for insurance or support for your current policy on the weekend, you may be in luck. Depending on your location, many insurance companies and insurance agencies are open on the weekend.
Can I Buy Auto Insurance On The Weekend?
The availability of your provider depends on your area and needs. Many will not have open office hours on Saturdays, so you may not be able to walk in to set up a policy. However, most car insurance companies have online tools to help you get a car insurance quote or purchase a policy whenever you want, including over the weekend.
Car Insurance Services Available On The Weekend
It’s worth noting that some offices will only be open on the weekend to policyholders who need help processing insurance claims, contacting roadside assistance, or making changes to their existing policy. Check out your insurer’s hours of operation to see if there are service limitations.
Should I Use Online Tools Or Call 24/7 Services?
Most top auto insurance companies allow you to get quotes online. These online tools are especially helpful because they allow you to get auto insurance quotes from several providers at once. You can also make payments, file claims, and request roadside assistance on a provider’s website or even its mobile app. If you prefer the phone, you can manage your policy when you call a provider’s toll-free customer service number.
What If You Buy A Car Over The Weekend?
When you’re shopping for and buying a new car from a dealership over the weekend, you have to show proof of insurance before you can legally drive it off the lot. If you are uninsured and don’t have an existing insurance policy, you’ll need to find car insurance companies open on the weekend. Most providers are available via phone or online 24/7.
For the quickest response on the weekend, call the customer service line. You can get an insurance quote and sometimes even start a policy over the phone. Then, you can get proof of insurance emailed to you. You can also visit the carrier’s website to complete this process online.
What Is A Car Insurance Grace Period?
If you already own a car that is insured, you may be covered for a new vehicle you purchased over the weekend. Many car insurance policies extend coverage to qualifying vehicles like newly acquired cars. Check for a “newly acquired” provision, or grace period, mentioned in your auto insurance policy. It will state that the coverage protects a private passenger vehicle that’s purchased after your policy term starts.
This provision gives you time to shop for affordable car insurance coverage for your new car or add the vehicle to your current policy. It’s important to note that the grace period is limited, often between 7 and 30 days. Without full-coverage auto insurance, you may only have a four-day grace period for this automatic coverage. Do not rely on this provision for permanent coverage for your new car.
Can You File An Insurance Claim On The Weekend?
If you’re involved in a fender bender or something more serious, it’s recommended that you submit an insurance claim as soon as possible. If this happens over the weekend, don’t panic–it’s possible to file an insurance claim during this time.
While the claims process may vary between insurance providers, many top companies like Allstate, Progressive, and State Farm have streamlined their claims process to allow for online filings. Some even offer 24/7 claims support, so you can rest assured that filing a claim on the weekend is possible.
How To Contact Your Car Insurance Provider Over The Weekend
You’ll want to head online to your car insurance provider’s website to find representative contact information. You may find services such as a 24/7 toll-free number, online chat, or app support.
If you prefer to contact your insurance agent, you’ll need to find out their office hours. These will vary by agent, which we’ll talk more about down below.
Do Independent Agents Set Their Own Office Hours?
If you need a car insurance provider with the flexibility of open office hours on the weekend, you may benefit from working with an independent insurance agent. They operate differently than big brands and may have more availability.
Check your local office for its Saturday and Sunday hours. If no one answers the phone, many have recorded messages that state their office hours when you call. So, even if you don’t speak with a live person, it never hurts to call their phone number.
Agents set their own hours, which tends to be more convenient for customers who work traditional business hours. Most will have at least one day over the weekend when they are open to assist customers with auto insurance needs. You can generally schedule an appointment for Saturday, Sunday, or after hours on weekdays.
Our Recommended Car Insurance Providers
When shopping for car insurance, it’s essential to have access to a trusted customer service team so you can get the help you need–even on Saturday or Sunday. Below, we recommend two car insurance providers that are available to help you on the weekends.
Geico Insurance: Best For Basic Coverage
Geico has some local auto insurance agents who are available all day on Saturdays, while others are available only on Saturday mornings. You can file a claim, manage your policy, or start a new policy during this time. Most locations are closed on Sundays.
To find local office hours for an agent near you, visit the Geico website. Navigate to the search function, then type in “find an agent.” You’ll be directed to a page where you can type in your ZIP code to find a nearby Geico agent. You can view office hours or contact them to set an appointment.
A Closer Look At Geico
Geico is one of the largest auto insurers in the nation with a reputation thousands of drivers trust. It’s known for helping seniors, military members, student drivers, and more save money through affordable rates and great discounts. Geico provides the minimum required liability coverage, as well as add-on coverage options like mechanical breakdown insurance, rental reimbursement, and roadside assistance.
Read more: Geico insurance review
State Farm Insurance: Best Overall Provider
If you’re looking for car insurance places open on Saturdays, State Farm auto insurance is a great option. The company is known for its many local agents, many of whom offer limited office hours on Saturdays. You can find a number of locations open before noon on Saturdays, and you can manage your policy, file a claim, or get a quote during these office hours.
Most agents will also be available by appointment after office hours if you can’t make it during those times. To find a local agent near you, visit the State Farm site and type in your ZIP code. You can view local agents’ office hours and weekend availability.
A Closer Look At State Farm
State Farm is an insurance company known for its high level of customer satisfaction, which helped it earn our title of Best Overall. This insurer offers standard auto insurance coverages like liability insurance, comprehensive insurance, and collision coverage, as well as optional protection like roadside assistance and rental car coverage.
Motorists can benefit from working with knowledgeable local State Farm agents who live in their neighborhood. State Farm has cheap car insurance rates with many discounts to save even more money. You can also save up to 30 percent on your premium with the car insurance company’s usage-based Drive Safe & Save™ program.
Read more: State Farm insurance review
See these other ways to save money on your auto insurance policy, regardless of the provider you choose.
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Car Insurance Places Open On The Weekend: FAQ
Below are common questions people ask about car insurance places that are open on the weekends.
Is car insurance effective immediately?
Yes, in most cases your car insurance policy will go into effect immediately after you’ve purchased it.
Can I be three days late on my car insurance payment?
Being three days late on a payment isn’t a huge deal. Each state law is different, of course, but you’ll have a grace period of around 10 to 20 days before your policy is canceled. Auto insurance companies are required to notify customers before canceling their coverage.
Can I drive a new car home without insurance?
Unless you live in New Hampshire or Virginia, the two states that don’t require motorists to carry any car insurance, you’ll need to be insured to drive your car. You could face serious consequences if you drive your car home without insurance. These include points on your license, fines, or having your vehicle impounded.
How We Rate Auto Insurers
Our review team extensively researches auto insurance providers to deliver informed and unbiased assessments of leading companies. We evaluate several key rating factors that are important to consumers to determine which providers are the best in the industry:
- Reliability: It’s important that an auto insurer is able to meet its claims obligations. Companies with a strong financial strength rating from AM Best score best in this category. Established insurers with a long history of reliable service also receive positive marks.
- Availability: Insurance companies that offer wider availability to consumers in terms of state availability and few eligibility requirements are more likely to meet consumer needs.
- Coverage: To determine our coverage score, we look at the number of coverage options available as well as coverage limits and deductible options. Our ratings also take into account additional services and benefits like roadside assistance.
- Pricing: Cost can be difficult to compare between insurers because so many factors impact annual premiums. The cheapest insurer for one driver may not be the cheapest for another. To determine our cost score, we look at insurance rate estimates generated by Quadrant Information Services, discount opportunities, and consumer reports.
- Service: We comb through customer reviews on sites like the Better Business Bureau (BBB) to learn about customer experiences. Insurers with a low volume of complaints score well in this area. We also consider the claims process, giving higher ratings to car insurance providers that offer a smooth experience.
- Technology: Providers with an online quote tool, easy-to-use claims app and a usage-based insurance app score best in this category.
