Marissa Hayes

Insurance Writer & Expert

Marissa Hayes is a technical editor and contributing writer. She holds a Bachelor’s Degree in history, and she was the editor of the literary magazine, The Bluestone Review.

Insurance Writer & Expert

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 and Safeco. To ensure our content is accura...

Licensed Insurance Agent

UPDATED: Mar 10, 2024

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Advertiser Disclosure: We strive to help you make confident insurance decisions. Comparison shopping should be easy. We partner with top insurance providers. This doesn’t influence our content. Our opinions are our own.

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.

When does Car insurance coverage start?

Auto insurance begins the moment the policy number has been issued by the insurance company. Before a policy number is issued, you have to sign the policy document which should indicate your preferred date. If you do not request a deferred date, then the assumption of the insurance company would be to make it effective immediately. (For more information, read our “Car Insurance 101 – Commons Questions“).

People can request a deferred date in cases when they are buying a new car and it has yet to be delivered to them. However you cannot retract the date when the policy takes effect. The best way to find out is to call your insurance agent.

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