In most states, you must have minimum liability insurance before driving a new vehicle. Some states may offer a short grace period if you already had insurance on another car and are replacing it, but that doesn’t apply if the vehicle is your first one.
To be safe, it’s best to arrange for insurance coverage before you pick up your new car. That way, you’re staying compliant with the state laws and protecting yourself in case something happens on the drive home.
Do car dealerships offer temporary insurance?
Car dealerships don’t offer temporary insurance, but they might help you get covered before you drive your vehicle off the lot. Some may work with insurance partners to help you get a policy on the spot, especially if you’re financing or leasing the car.
If you already have car insurance, your existing policy might extend coverage to a new car for a set number of days, but it’s a good idea to check with your insurer first. If this is your first car, you must arrange coverage before leaving the dealership. Temporary insurance isn’t commonly offered, so getting a standard policy ahead of time is the best move.
How long do you have to add a new car to your policy?
When you buy a new car, most insurance companies give you a grace period, usually between seven and 30 days, to add it to your existing policy. During this time, your current coverage typically extends to the new vehicle, but it’s a good idea to double-check with your insurer since the rules can vary.
Final thoughts
Buying a new car is exciting, but don’t let that excitement overshadow the importance of insurance. To stay on the safe side, make sure you’re covered before driving your new car home, especially if it’s your first vehicle.
Even if your current policy might offer a grace period, it’s always better to double-check with your insurer so there are no surprises. Contacting your insurance company can save you from legal trouble or financial stress down the road.
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