Q: Can I test-drive a car without insurance?
Apr 29, 2021

I want to buy my first car, but I don't know if it will be from a dealership or private sale. Since I don't have insurance of my own, am I covered to test-drive cars?

Answer provided by
Shannon Martin
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.

“Congratulations on your first car! It is crucial to make sure that any vehicle you drive already has insurance on it before you get behind the wheel.

If you go with a dealership, this will not be an issue. They have dealer insurance and, in most cases, they will ride with you when you test the car.

A private seller is different. Before you drive, make sure they know you are not insured yet. It would be even better to ask to see a copy of their active policy before you test-drive.

If you decide to purchase the car from a private seller, get car insurance quotes online so you can start the policy before you head home with your new vehicle.

If you want cheap car insurance quotes fast, try the Jerry app. Jerry can get rates from over 40 different carriers and email the ID card to you right away. “

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This app is truly amazing and I recommend it to everyone. They were able to save me over $100/yr on car insurance, and I hardly had to do a thing. They got finalized quotes for me in minutes, and I didn't have to call anyone. They also canceled my old policy, and got me on to my new one for me!