How to Add a New Car to Insurance


Buying a new car can be one of the most exciting purchases of your life---and buying insurance for it can be one of the least exciting purchases of your life. But whether you like it or not, you must insure your vehicle, and not just because it is illegal to do otherwise; no respectable dealership will turn the car over to you, and no respectable bank or credit union will process a car loan, until you provide proof of insurance on the vehicle in question. Fortunately, if you already have an auto insurance plan, it's not difficult to add a new car to it. Plus, your old plan will even temporarily cover your new car, sometimes for up to 30 days.

  • Research insurance rates for the vehicle you're interested in before making the purchase. Different cars fetch different rates, and you could be in for a nasty price hike if you buy a new car that insurance companies consider "higher-risk" than your old one.

  • Sign up for Comprehensive and Collision coverage on your current insurance policy, if you don't already have it, before seeking financing for a new car. Banks and credit unions won't grant you a car loan if you don't have it. You won't need to worry about insuring your new vehicle if you can't obtain the money to buy it in the first place.

  • Understand that your current insurance policy will carry over to your new car for a limited time following purchase. This holds true whether you are replacing your old car with the new one or buying an additional car.

  • Check your insurance policy to see how long you have before you must notify the insurance company of your new automobile. This time period can range, depending on the company, from a few days to several weeks. Your policy will cease to cover the vehicle if you fail to notify the company in the proper amount of time.

  • Call your insurance company or visit them online to add your new vehicle to the insurance policy. They will walk you through the steps, usually in a matter of minutes.

  • Have your new vehicle's model, make, year and VIN number, as well as your driver's license, ready before contacting the insurance company about updating the policy. Keeping these materials close at hand will expedite the process.

  • Notify the company as soon as possible after purchase to ensure uninterrupted coverage of your new vehicle.

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  • Photo Credit Headlight on new car image by steven Husk from
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