No, you do not need insurance to buy a car, but you will need insurance to drive the car home. Most dealerships require proof of insurance before allowing you to leave with a car, since almost every state requires drivers to have car insurance coverage whenever they are behind the wheel.
If you currently have a car insurance policy, most insurers will cover a new car up to your existing policy limits for 7-30 days. However, state laws and company policies differ, so you should ideally communicate with your insurer before you go car shopping. And if you’re leasing or financing a car, be sure to check the lender’s or lessor’s insurance requirements, since you might need to adjust your policy details accordingly.
On the other hand, if you are purchasing a car and do not have an existing auto insurance policy, it’s best to buy insurance before going to the dealership or private seller. If you know the exact car you’ll be purchasing, you can ask the seller for the vehicle identification number (VIN) in advance and use the VIN to purchase a policy tailored to that car. Otherwise, you can get insurance quotes for multiple car models beforehand and buy a policy before you actually drive off the lot.
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