How Long To Add New Car To Insurance Policy

How Long Does it Take to Add a New Car to an Insurance Policy?

Shopping for a new car can be a great experience, full of anticipation and excitement. But, before you take your new car for a spin, you need to make sure it’s properly insured. Depending on the situation, it can take anywhere from a few minutes to a few days to add a new car to your insurance policy.

When Buying a New Car

When you buy a brand new car, the dealership typically requires that you show proof of auto insurance before you can drive off the lot. If you already have a policy and you’re just adding a new car, this can be done quickly over the phone or online. Your insurance company can usually add the new car to your policy within minutes, making it easy to drive off with your new car as soon as the paperwork is finished.

When Buying a Used Car

Buying a used car is different than buying a new car since you may not be able to get insurance right away. You’ll need to have the VIN (vehicle identification number) and proof that you own the car before you can add it to your policy. You may also need to wait until the title is transferred to your name before you can add the car to your policy. Depending on the state, this can take a few days or up to a few weeks. Once the title is transferred, you can usually add the car to your policy quickly.

What to do in the Interim

If you’re buying a used car, you may need to wait a few days or weeks before you can add the car to your policy. In the interim, you don’t want to risk driving without insurance. You can purchase a temporary insurance policy that covers the car until you can get the car added to your regular policy. This will give you peace of mind knowing that you’re covered, even if it’s only for a few days. Temporary insurance policies can usually be purchased online and start immediately.

What to Know Before You Buy

Whether you’re buying a new or used car, it’s a good idea to check with your insurance company before you make a purchase. Ask them what it will take to add the car to your policy, and get an estimate for the cost. This will give you a better idea of what to expect when it comes to insurance costs. You may even be able to get a discount if you bundle your policies.