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How long do you have to insure a new car?
How soon do I have to insure my new car? I’m hoping there’s some sort of grace period but am not sure.
Hana Sabah · Updated on
Reviewed by Shannon Martin, Licensed Insurance Agent.
“You typically have seven to 30 days (depending on the state) to insure your new vehicle. However, some car insurance providers only give you 24 hours.
Regardless, since you’re purchasing the new vehicle from a dealership, you’ll need proof of insurance to leave the lot. The same standards apply even if you’re buying a used car. You need at least
liability coverage
to take possession of the vehicle.Also, keep in mind it is illegal to drive in most states without insurance (New Hampshire and Virginia are the exceptions)—grace periods do not apply. The good news is your current provider should be able to add the new car to your existing policy or swap coverage from your old car to your new one easily by phone. You may even be able to do it yourself online.
It’s understandable to get caught up in the excitement of buying a new car. But your best bet is to get it insured immediately.
And if you think your new car insurance premium seems high, know that you can shop around for better rates with the
Jerry
app. Jerry will find cheap car insurance customized to your needs in seconds and even help you make the switch and cancel your old policy—for free.Enjoy your new ride!”
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- Gregory R.
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