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Why is the dealership asking for proof of insurance before I test drive a vehicle in Arizona?

I have an old Hyundai Sonata that I'm looking to replace. I only carry liability on it due to its age. Will this be a problem when I test drive a car? If there is an accident during the test drive, is my insurance the main coverage?

Emily Maracle · Updated on May 9, 2022

Reviewed by Shannon Martin, Licensed Insurance Agent.

The car dealership has

on all of their vehicles. If there is an accident, their umbrella insurance policy will cover any damages as long as you were operating the vehicle with due care.

Only having

liability insurance

won’t impact your ability to test drive the vehicle. If you are planning on financing your new vehicle, the dealership could be looking at your current coverages.

Most lenders require full coverage on their vehicles. This means you would need to add

comprehensive coverage

and

collision coverage

to your insurance policy.

You should consider comparison shopping to find the best rates for full coverage. If you’d rather leave the hard work of gathering insurance quotes to someone else, use

. This free app can collect quotes from up to 45 top insurance companies in seconds!

View full answer

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Jerry partners with more than 50 insurance companies, but our content is independently researched, written, and fact-checked by our team of editors and agents. We aren’t paid for reviews or other content.

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