Your situation
Just bought a car: insurance before you drive off the lot
You need proof of insurance before the dealer hands you the keys. If you already have a policy, many insurers give a short grace period for a newly bought car, but financed and leased cars need full coverage on day one.
What to do, in order
- Send David the VIN before you signHe can have the policy ready to start the minute you buy, and the quiz decodes the car from the VIN.
- Add the lenderIf you finance or lease, the lender must be on the policy as loss payee. You only tell us who the lender is; we know their address.
- Check gapIf you put little down or rolled in a balance, compare the dealer’s gap price with the insurer’s.
Quote for my situation
David sees the situation you came from, so you won’t have to explain it twice.
What changes the price
- Newer cars cost more to insure because repairs cost more.
- Safety features and anti-theft can lower the price.
What to have ready
- The VIN or the window sticker
- The lender’s name if financing or leasing
- Your current policy, if you have one
Questions
I’m at the dealership right now. How fast can I get a quote?
Usually in minutes. In the quiz, pick “Add a car I’m buying or just bought”, or text David the VIN, and he gets an alert on his phone right away. Coverage starts once the insurer binds it.
Can I buy insurance at the dealership?
Yes, but you can also have David’s quote ready before you go, so you know the number in advance.
Related coverage
Your policy’s wording decides what’s covered. David can walk you through yours.