To get insurance before buying a car, you will need to figure out the exact car you are hoping to purchase. You will need information about the vehicle (it’s make, model, vehicle identification number, etc.) in order to shop around for insurance quotes with different companies and then select and purchase a policy.
However, if you already have an insurance policy for a different car, you don’t need to get new insurance before buying a new car. You will simply need to notify your insurance provider, within a timeframe specified in your policy, that you have purchased a new car and wish to update your coverage. The steps below assume you don’t already have insurance coverage on another vehicle, though.
How to Get Insurance Before Buying a Car: 4 Steps
1. Decide on a car and contact the dealership
You’ll want to make an agreement with the dealer, specifying the car you wish to purchase and when. They will then be able to provide you with information about the car that you’ll need to purchase insurance.
2. Obtain information about the car that will be necessary to get an insurance quote
In order to get an insurance quote, you will need to know the car’s Vehicle Identification Number, current mileage, make, model, trim level and history.
3. Get an insurance quote
At this stage, you will need to provide your personal information and vehicle information to the company.
4. Select a quote and pay for coverage
Once you determine which insurance company will be able to provide you the best coverage, you will need to select and pay for that policy. Once you’ve paid, the insurance company will provide you with confirmation that you now have a policy. You can bring that confirmation with you to the dealership when you decide to officially purchase your car, or review and select your quote online, right from the dealership.
At this point, you will have obtained the necessary insurance coverage to legally drive your new vehicle.
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