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Do I Have to Insure a New Vehicle I Just Bought Before Driving it Off the Lot?

If you are looking to buy a new car in West Bloomfield, MI, you may wonder how car insurance works when you buy a new car. Obviously, you cannot add a new car to your policy before you go to the lot, as you won’t know what you are getting and the VIN. And you may be a car on a day or time when your insurance office is closed. This may leave you wondering if you have to insure a new vehicle you just purchased before you drive it off the lot. Here is some information you will want to know.

Insuring the Car

If you already have an insurance policy, it likely covers brand new cars for a brief period. This may be anywhere from 48 hours to five days, depending on the insurance company. This gives you time to add the car to your insurance policy. Regardless of how long you have to add the car, it is always wise to add the car to your existing insurance policy, or take out a new policy for it, as quickly as possible after buying the car.

Call Your Insurer

If you plan on buying a new car, give your current insurer a call. Ask them how long you are covered under your existing policy if you buy a new car. Secondly, if you know what types of car or cars you are interested in buying, ask them to give you a quote. This helps you to know approximately what your insurance costs will be, so you can appropriately negotiate a car payment amount that fits within your budget at the dealership.

If you are in need of a new auto insurance policy, let Phil Klein Insurance Group, serving the greater West Bloomfield, MI area, help you. Contact our office today to get a price quote or begin the paperwork for a new policy.

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