How can you get car insurance before you get a car?

Is there a way to get car insurance before you get a car? I am shopping around for a used car now, mostly with private sellers, and I don't have my own insurance yet. Can I get coverage ahead of time while I am test driving?

Answer
Yes, you can get car insurance before you purchase your vehicle! Buying a vehicle from a private sale instead of a dealership is different, so I am happy you are looking into this.
The safest option is to secure a named non-owner policy, also called an NNO. An NNO policy will provide liability-only coverage to any car you were to rent, borrow, or test drive. Once you find the vehicle you are looking for, you can convert the NNO to a standard policy and get full coverage.
Most insurance policies have what is called permissive use. This means that when the driver permits you to drive the car, you will be covered for an accident just like they would. However, not all companies have this policy and you would need to rely on the seller to tell you the truth that they have an active insurance policy. Since collision coverage is not a legal requirement, it is up to the owner to ensure they are correctly covered.
Downloading the Jerry app is an easy way for you to ensure you’re covered while test driving new (to you) cars! Jerry compares personalized quotes with over 50 different insurance companies and delivers the lowest rates straight to your phone in seconds. The average Jerry driver saves $879 a year on car insurance!
Good luck buying your new car!
Shannon Martin
Answered on Oct 27, 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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