How to Get Car Insurance Before Actually Buying a Car
Car insurance can be bought before you buy a car. Know the VIN, mileage, make, model, and trim before you call insurance companies.
You need to buy a car, and you’re in a bit of a hurry. If you want to get your ducks all in a row, you might be wondering if you can get car insurance ahead of time. That way, once you make a deal on the car, all you have to do is put on the plates and drive away.
It can be done, but it’s not quite as simple as it sounds. To get auto insurance before buying a car requires specific information about the vehicle you are buying and some creative thinking to go with it.
Part 1 of 2: Confirm a specific vehicle
If you are purchasing insurance on a car before you buy it, you’ll want to make sure it’s the right car for your needs. Buying car insurance ahead of the vehicle itself can come with some risk. Should the sale fall through, you may have cancellation fees to pay for the newly-obtained insurance policy.
Step 1: Determine one car you would like to buy. Purchasing a car insurance policy requires detailed information about one vehicle.
It isn’t good enough to have broad information, so you must know exactly which car you’d like to purchase.
- Step 2: Make an agreement to purchase the car.
Verbal or written, it’s best to speak with the seller or dealership and confirm your intent to buy the car.
Without a prior arrangement, you may be unaware of fees, liens, vehicle history, and the accurate mileage, all of which could affect your decision to purchase the car or your insurance policy’s premium.
It’s not mandatory to make a sales agreement before buying an insurance policy. It could very well save you time and frustration if an agreement is reached ahead of time, however.
- Step 3: Get the vehicle information to buy insurance.
You’ll need specific vehicle information to purchase car insurance, which you should now obtain.
You require the Vehicle Identification Number (VIN), the current mileage on the odometer, the vehicle make, model, and trim level, and, if possible, the vehicle history report.
Part 2 of 2: Get car insurance on the car you want to buy
With both your personal information and the vehicle information, you can purchase a car insurance policy before you purchase your car. That way, you can immediately drive away when you’ve made your purchase!
- Step 1: Contact your insurance provider to begin a quote.
It can be online, in person, or on the phone.
- Step 2: Fill in your personal information.
Complete the customer questionnaire using your accurate personal information, your driver’s license number, and your social security number if required.
Any inaccuracies can result in a cancelled policy, so double check your information before submitting it.
- Step 3: Enter the vehicle information.
Once again, completely accurate information is required. Incomplete information won’t allow you to proceed with purchasing car insurance before you buy the car.
Enter the complete 17-digit VIN, the accurate current mileage, and the make, model, and trim level.
When you’re prompted for vehicle history information, complete the answers as truthfully as possible. Once again, inaccuracies can result in a terminated policy.
- Step 4: Decide on the level of insurance you require.
In most cases, you’ll have options for the level of coverage and deductible associated with the policy.
Comprehensive insurance policies offer better coverage but the insurance rates will be much higher than a basic policy.
- Step 5: Complete payment for your car insurance policy.
With all the vehicle and personal information completed and the coverage selected, you can now pay for the policy to put it into effect.
When you own a car, car insurance is essential. Keep in mind that at some point in the insurance quote, a policy effective date will need to be specified. Paying for your car insurance does not necessarily make it immediately active. It will only cover the car from the effective date you’ve chosen.