Most insurers give you a grace period of 7 to 30 days if you already have insurance for another vehicle. Dealerships require that you have proof of insurance to drive your new (or used) car off the lot. If you don't have it already, it's best to prepare and purchase insurance in advance.
Depending on your insurance, and state, you have anywhere from 7 to 30 days to add your new car to your policy. It's best to let your car insurance know right away. The sooner you get your new (used) car added, the better. You may also add your new car to your policy prior to purchasing.
Once it's added, you may keep your other car on your policy or remove it.
You need to provide your insurer with:
If you purchase your car on the weekend, most insurers have a hotline number to call. This allows you to add your car to your insurance right away. Call your agent the following week if necessary.
If you don't have insurance when purchasing your car, you won't be allowed to drive it off the lot. Each state has an insurance minimum requirement, so be sure to look up what yours is. Be prepared to provide proof of insurance to your car dealer.
Quickly insure your car by choosing an insurance agent in advance. Have your car dealer fax over the car information to your agent. Your insurer then fills out the proper paperwork and sends over proof of insurance on the spot.
While picking out your car, you can also compare insurance policies online and buy instantly. No matter the method you choose, it's important to have a plan for purchasing car insurance. Without insurance, your new car can't be driven off the lot or registered. You only have a grace period of around 20 days, depending on the state, to register your car.
Take advantage of any discounts you qualify for. Below we've listed popular discounts that are easy to obtain.
Shopping for a car is so exciting! Don't let something like proof of insurance hold you back. Do your research, and go in prepared.
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