How do I get insurance on a car before buying it?

I test drove a 2021 Ford Escape and I'm in love! The dealership said that I need insurance before I pick up the car. How do I get insurance if I haven't bought the car yet?

Answer
Finding a car you love is an exciting feeling! Thankfully, purchasing car insurance on a vehicle you’re buying is a simple task.
Before officially purchasing the vehicle, get the VIN (vehicle identification number) from the dealership. Using this and your personal information, you can check out insurance rates. While you may love the car, you want to make sure you can also afford insurance on it. If you plan on financing your vehicle, you’ll likely also need comprehensive coverage and collision coverage.
Comparison shopping with several companies will give you the best idea of cost based on the coverage you need. You can request quotes online or you can use Jerry. Jerry is a free app that gathers insurance quotes from the top providers in seconds!
Once you find a policy you like, you can align the effective date with the day you pick up your vehicle. After it’s purchased, your new insurance company will provide you with proof of insurance, which you can show the dealership.
Emily Maracle
Answered on Oct 25, 2021
Emily Maracle is a car insurance specialist living in New York. Originally from the Pacific Northwest, she has a degree in English Literature and a background in customer service. She enjoys cooking, gardening, and living sustainably. In the future, she can't wait to upgrade to a hybrid or electric car.
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