Zaneta Wood, Ed.S. has over 15 years of experience in research and technical writing bringing a keen understanding of data analysis and information synthesis to reach a wide variety of audiences. She studied adult education and instructional technology at Appalachian State University as well as technical and professional communication at East Carolina University. Zaneta has prepared technical p...

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Leslie Kasperowicz holds a BA in Social Sciences from the University of Winnipeg. She spent several years as a Farmers Insurance CSR, gaining a solid understanding of insurance products including home, life, auto, and commercial and working directly with insurance customers to understand their needs. She has since used that knowledge in her more than ten years as a writer, largely in the insurance...

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Reviewed by Leslie Kasperowicz
Farmers Insurance CSR 4 Years

UPDATED: Oct 8, 2019

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Here's what you need to know...

  • Auto insurance companies set their own hours. If you’re shopping for coverage in an agent’s office or district office, you’ll find that the office hours are typical between the hours of 9 a.m. and 5 p.m.
  • Most local offices that sell and service auto insurance policies are closed on federal holidays and bank holidays
  • If you want to buy insurance while you’re off of work, you should consider shopping around for coverage by using an online quote tool or by calling a 1-800 number where agents are accepting calls 24 hours a day, seven days a week
  • If you have coverage through a carrier and the agent’s office is closed, you may be able to call the company direct to file a claim or to make a payment
  • Some agents may be open to setting up an appointment with you to give you auto insurance quotes on a bank holiday

If you’re planning to shop around for auto insurance, it’s important that you know when agents or brokers will be available to take your call.

Many agents are eager to give you quotes during office hours and even after hours if you have a busy schedule, but doing your homework to find out when your agent will be available post-sale is what matters most.

To find an insurance company that works with your schedule, enter your zip code above!

Retail companies, restaurants, and other businesses are open all day long on weekdays, weekends, and holidays to offer their customers a convenient schedule.

Unfortunately, many players in the insurance industry have limited hours of operation much like banks and other companies in the finance industry. If you’re trying to shop for coverage on a bank holiday, here’s what you need to know:

What is the common bank holiday schedule?

 

If you work for a corporation, there’s a good chance that you’re off on bank holidays. Being off on bank holidays can give you some extra time to spend with your family or get business done.

Unfortunately, many of the companies that you do business transactions with use the Federal Reserve System holiday schedule when they are setting their hours.

The Federal Reserve System holiday schedule shows which holidays that all Federal Reserve offices and banks will observe throughout the calendar year. Any company that schedules their employees to work on a Federal holiday will have to pay their employees holiday pay.

This is a major reason why insurance companies are closed. The ten Federal holidays observed include:

  • New Year’s Day
  • Martin Luther King, Jr. Birthday
  • President Washington’s Birthday
  • Memorial Day
  • Independence Day
  • Labor Day
  • Columbus Day
  • Veterans Day
  • Thanksgiving Day
  • Christmas Day

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Which insurance offices are likely to close on Federal holidays?

Local agents and brokers run their own offices. They typically pay their own operational costs and hire their own representatives and sales agents to service policies market to new business.

Since the agents have to pay an hourly wage to their employees, offices are typically closed on holidays so they don’t have to pay the mandatory time-and-a-half rate.

Not only are smaller local offices closed on bank holidays, most district offices that are run by the company itself are closed as well. These district offices employ sales agents, billing associates, managers, and customer service representatives all under the same roof.

They typically close after the hours of 9 a.m. to 5 p.m., but will stay open on weekends.

Can you get in contact with customer service on bank holidays?

If you need to make changes to your existing policy or you need to make a payment, you don’t have to wait until the district office or brokerage opens. Instead, you can call the company’s customer service contact number which is open 24 hours per day, seven days per week, and 365 days per year.

The agents that handle your call at a 1-800 service number will be able to access your account, make changes, give you information, and process payments.

You can also ask to be transferred to a claims number where you can file a claim any time of day. If the company doesn’t have a toll-free service number, you may want to rethink doing business with the carrier.

Can you get quotes for auto insurance on a bank holiday?

 

Most companies have a toll-free line for service and a toll-free line for sales. Since the demand for quotes on bank holidays is low, there will only be a few agents waiting for your call. If you prefer not to do business by phone, you can also solicit auto insurance quotes by using an online tool.

There are two types of online quote tools. You can use the company’s website to get a quote direct from the company or you can use a brokerage-style tool that connects you with several companies at once.

You can use each of these tools for free and they will give you access to instant quotes.

If you’re off of work and you want to find lower insurance rates, there are ways to get quotes. Get quotes for auto insurance through a brokerage-style tool and you can see how much each carrier will charge instantly.

Compare these rates to your current premiums and then you can decide if you want to switch.

Enter your zip code below to compare car insurance rates from top companies in your area today!