I bought a cart 300 miles away weekend before last. My insurance agent with American Family Insurance gave me a dozen reasons why he could not insure me right then and there. He said it would take 5 or 6 days.
I called an agent with Farmers who took all of the info on the phone on the way to get the Cart. That nite at the motel, it was Thursday, everything was in my email for me to sign and accept the insurance. The premium is under $300 and covers damage to my cart also. This is in Western Colorado and I had to tow the cart 300 miles over the “Continental Divide.