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?
Apr 20, 2021
Answer provided by
Answered at Apr 20, 2021
“The car dealership has car insurance 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 Jerry. This free app can collect quotes from up to 45 top insurance companies in seconds!
Did this answer help you?
Ask us a question by email and we will respond within a few days.
Have a different question?
You can meet us at our office and discuss the details of your question.
Browse by topics
What others are asking
"Do I have to notify my car insurance company if I move to a new area? "
"I am moving to a new area and my insurance is set to expire at the end of next month. I have heard that rates are higher where I am moving, and I would like to finish out my policy under the current payment arrangement to save a little money. What would happen if I just didn’t tell the car insurance company about the move? "
Apr 19, 2021
Can you negotiate car insurance rates with Travelers?
My current car insurance policy is with Travelers. I like their customer service, but when I shopped around, I found several companies with lower rates. Can I negotiate with Travelers to match or go below these rates?
Apr 22, 2021