2007-10-02 15:14:26 · 13 answers · asked by Fancelll79 2 in Cars & Transportation ➔ Insurance & Registration
Yes. If you are trading in your car, it's advisable that you call your existing agent immediately to have it transferred over to the new vehicle.
If you are buying a car for the first time, you will have to purchase a binder from the dealership, unless you have a family member adding you to their existing policy.
Regardless of the age of the car, the dealership will not let you drive off the lot without it.
2007-10-02 15:21:51 · answer #1 · answered by crash 7 · 0⤊ 0⤋
In my experience in California, yes. Because I knew when I was going to purchase a car, I was usually able to call my insurance broker in advance and get proof of insurance of my current policy, take that to the dealership, call the insurance company from the dealership with the VIN # and have the car added to my policy right then and there. Later on I would get the bill and be able to make changes to my coverage, but coverage always started the night I bought the car.
Note though that my cars were always financed so I had to have Comp & Collision, if you pay for a car in full, possibly you may only need driver's liability in your situation.
2007-10-02 22:21:05 · answer #2 · answered by ? 3 · 0⤊ 0⤋
If you traded in a car and you had valid insurance on the old car, it will apply to the new car for a few days, so you can contact your insurance agent and make the change. Read you policy, it will tell you how long you have.
If you don't have insurance at all, you need to obtain insurance before you drive your car off the lot. If you have an accident you will not be insured.
2007-10-02 22:19:43 · answer #3 · answered by Dan H 7 · 0⤊ 0⤋
You must have proof of insurance before you can drive a car off of a lot. Call your insurance company after you've made a deal, better yet call before so you know how much it's going to cost you, and then again after so they can sign you up and get you covered.
2007-10-02 22:22:16 · answer #4 · answered by Dude 5 · 1⤊ 0⤋
If for purchase, yes.
If for test driving, no. The dealer has that.
If you're purchasing, however, you just need to call your insurance agent and say "I'm buying this car", give them the make/model/VIN and whatever else, and they can usually insure you on the spot. They do it all the time.
But if you just want to test drive it, the dealer would have that insurance. It's by the vehicle, not the driver.
2007-10-02 22:27:41 · answer #5 · answered by T J 6 · 0⤊ 0⤋
In Michigan you have to show proof of insurance before driving car off lot.
2007-10-02 22:21:19 · answer #6 · answered by Married Lady 4 · 0⤊ 0⤋
You have to have insurance to drive any car anywhere, period (in most states).
Many dealerships provide this insurance for you, but don't count on it unless they say so.
2007-10-02 23:03:12 · answer #7 · answered by Anonymous · 0⤊ 0⤋
When we bought our car, we had to because when we took out our loan the credit union made us get some insurance before they would give us the loan. We didn't have insurance before that, so maybe that was the reason. If anything, call the bank where you are getting your loan.
2007-10-02 22:18:17 · answer #8 · answered by speedy_me18 5 · 0⤊ 0⤋
Yes, insurance must be in place when you leave the dealership.
2007-10-02 22:26:47 · answer #9 · answered by fisherwoman 6 · 1⤊ 0⤋
Yes, it is illegal in most states to drive a car without any kind of insurance.
2007-10-02 22:19:22 · answer #10 · answered by armywifesarah 3 · 1⤊ 0⤋