Cn Autov

Thinking about doing some weekend car shopping? You might be wondering about insurance requirements, and how to even get insurance on the weekend. Do you need insurance before you buy a new vehicle? Are you able to drive off the lot without it? In most instances, it’s best to have insurance lined up before or at the dealership. And below you’ll find out why, along with a few scenarios to consider.

Confirm your car insurance policy before buying a new car

In most states you need insurance to legally drive on the road. That means you’ll need to be insured before you can legally drive your new vehicle off the lot. Some dealerships may require it, too.If you already have insurance in place, notify your insurer beforehand. Otherwise, you can typically purchase auto insurance online from your phone or a computer.

Adding a new car to your insurance policy before you buy

Adding a new vehicle to your current auto policy is typically fairly easy to do. If your auto insurance company has a mobile app, you may be able to add a new vehicle to your current policy online at the dealership. Note that some standard auto insurance companies may not insure certain luxury vehicles or vehicles with salvage titles. Another reason it’s best to check with your car insurance company ahead of time.

Can I apply my current policy if I’m replacing my older car?

If you decide to purchase a new or used car during the weekend and your insurer isn’t available to set up coverage for your new auto, some insurers provide a grace period. But as mentioned above, you may be able to easily add a vehicle to your policy online.

A different vehicle may have different coverage needs and requirements – but you can apply some of the same coverages to your new vehicle as your old one, as long as they’re applicable.

If, say, you plan to drive your new vehicle more, however, you may want higher coverage limits. Different vehicle parts and materials might also require increased limits. Your insurer will let you know, and if you’re adding your vehicle through a mobile app, it may automatically apply the needed coverages and limits.

On the other hand, depending on your new vehicle’s make and model, crashworthiness, safety features and more, you may be able to qualify for new auto insurance discounts. Some insurers even offer discounts for brand new vehicles.

There’s always the option of canceling your policy and purchasing a new one from a new auto insurance company, but it might be easier – and faster – to add your new vehicle to your existing policy.