Can You Get A Car Insurance Quote Before You Buy A Car?
You probably know that you need car insurance when you buy a car, and most dealers will not let you leave the lot until you prove your coverage. If you are ready to buy a car, you might want to know if you can buy a car insurance policy before going car shopping. You can get a quote for auto insurance before buying a car, and you might even be able to buy a plan. Here are several things to know if you want to buy a policy before purchasing a vehicle.
You Can Get an Approximate Quote
Car insurance quotes are not based only on the vehicle you insure. Instead, insurance agents base quotes on many factors. Some of the most significant factors include your age, gender, and driving record. When you call an agent for a quote but do not yet have a car, the agent can take all your personal information. Based on the information, the agent might be able to provide an approximate quote. The quote will not be completely accurate, as the agent cannot give a reliable quote until you select a car.
If you need an insurance policy before leaving the car dealership, it can be helpful to talk to an agent before you go car shopping. By doing this, you can provide the agent with all the information he or she needs. Once you choose the car you want to buy, you can call the agent from the dealership to tell them the car's information. The agent will give you a quote and can start a policy for you right away. The agent can even email you a document that proves you have insurance coverage.
You Can Ask About a Non-Owner Car Insurance Policy
The other choice you have is to purchase a non-owner car insurance policy before buying a car. If you have a non-owner policy, it will cover the car you buy while you are at the dealership. You could provide the dealership with your policy number and could leave the dealership. After leaving, you will need to contact the insurance agency to add your car to the policy.
A non-owner policy is an auto policy that covers you as a driver but does not cover a specific car. People often choose these policies when they borrow cars or need insurance coverage but do not own a vehicle.
You can learn more about both options by contacting an insurance agent of your choice. Reach out to an agency like Illinois Insurance Center Inc to learn more.
