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How do I insure a car when I buy it from a private seller?

I want to buy a car from a private seller, but I need insurance to drive it home. I'm a fairly new driver, and I'm not really sure how all this works. How do I get insurance for a car I haven't bought yet?

avatar
Eric Schad · Updated on
Reviewed by Shannon Martin, Licensed Insurance Agent.
Insuring a car from a private seller is a similar process to buying a car from a dealership. The only real difference is that a private seller isn’t going to ask for
proof of insurance
when you drive away.
Once you have the make, model, and vehicle identification number (VIN) of the vehicle you’re buying, simply call the
car insurance
company you want to insure your new car with. They will then provide you with quotes based on the
type of insurance
you require.
However, if you already have insurance, you may have a grace period of between seven and 30 days to transfer the insurance from your old car to your new car. You’ll be covered for this duration until you get a new policy.
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