Do You Need Insurance For a Test Drive?

Insurance Essentials When Test-Driving Vehicles in Zionsville, IN

Buying a new or pre-owned vehicle in Zionsville, IN, can be exciting, but it’s also a process that requires due diligence—beginning with test-driving potential choices. A crucial part of this process is ensuring that the vehicle in question is adequately insured.

Who Needs to Insure It?

The current owner should provide the insurance coverage for a car being test-driven—that could be either a dealership or an individual. That’s why most sellers won’t ask for proof of insurance before a test drive. Insurance isn’t a worry for test drives at an established dealership. However, when dealing with an individual car owner, always check if the vehicle is insured to prevent risks.

What if You Purchase the Car?

Even if you already have auto insurance, contacting your insurance agency before finalizing the car purchase is advisable. Your current insurer might not cover certain cars, so it is better to be aware of this before the purchase than afterward. If you replace your vehicle with a new one and already have car insurance, your policy might cover the new car automatically for a limited period. However, inform your insurer about the car purchase without delay. The grace period for coverage varies between insurers, generally ranging from one to four weeks.

Completely Independent Insurance Agency is dedicated to helping motorists find suitable auto coverage by comparing policies from various insurers. Our helpful and friendly staff in Zionsville, IN, can answer all your queries. You can also count on us for insurance for motorcycles and RVs. Get started today by calling Completely Independent Insurance Agency at 800-632-3102.