You may wish to bring one if you do not have time to wait for the company to obtain one. It's up to you. The company has 5 days from the time it receives a completed application to approve or decline it, and the clock starts running when the company receives the application, not when you put it in the mail. If you buy through an agent, ask how long it will take for the company to receive your application and you will know when to expect an answer. Give yourself enough time to shop around.
Prices vary from company to company.
Read the form carefully. You can pay less by taking advantage of cost-saving options available. Buy only the insurance you need. You can help lower the cost of insurance by reporting insurance fraud and spotting aggressive drivers who cause accidents. To Obtain Shopping Information Ins.