1. 12689 POINTS
    Ted Ratliff
    Owner, SFS Associates,
    As long as it takes to go online or drive to your local independent agents office and apply.  You will have coverage as soon as you pay your premium.  An agent is not permitted to back date a policy and the date and time of the application is recorded.  Do not wait until you get a ticket or have an accident to pick up auto insurance.
    Answered on June 14, 2013
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