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?

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Answer provided by
Emily Maracle
Answered on May 09, 2022
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!

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