What insurance do I need for a car that's only getting test drives?

I have a car I basically never drive, and I'm finally planning on selling it. It seems really stupid to pay premiums for a car I don't ever use. But at the same time, now that I'm planning to sell it, I know some interested buyers might want to test drive it. What kind of insurance should I have?

Answer
It’s entirely understandable that you want to try to save money on something that you aren’t using, but it’s crucial to keep the vehicle insured. There’s no type of insurance policy that kicks in only when the car is being driven.
It’s likely that a prospective buyer will want to test-drive the vehicle, and you’re liable for any accidents that may happen with your car, even if you’re not the driver. The safest thing to do is to keep coverage on your car until you’ve signed over the bill of sale to the new owner.
To learn about transferring your car title to a new owner, check out this article: How to Transfer a Car Title.
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Shannon Martin
Answered on Mar 12, 2021
Shannon is an expert in personal lines liability insurance with 13 + years of insurance industry experience. She also served as a special insurance liaison to AARP members for 6 of those years. She is a graduate of UL Lafayette and currently resides in NY with her family. Shannon is also an amateur juggler, ukulele player, and is a time travel paradox theory enthusiast.
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