The short answer is that auto insurance on a new vehicle works pretty much the same as it does on any car. What’s unique to new car insurance is the fact that you can — and often, must – purchase it before you actually own the car. That’s because most dealers and dealerships require proof of insurance to transfer ownership of the vehicle to you.
When Does a New Car Insurance Policy Start?
If you buy insurance before taking ownership of a new car, the policy will begin the moment you drive your vehicle off the lot. This is often required by dealerships because it’s illegal for anyone to drive without auto insurance.
You’ll need the following information on hand to start a new car insurance policy before buying the vehicle:
Vehicle identification number (VIN)
Your contact information
Most car insurance providers will be able to start your policy within 24 hours. You can even find same-day insurance from many auto insurance companies.