Auto Insurance

Do I Need Insurance to Buy a Car? The Surprising Answer

Do I need insurance to buy a car?

When someone buys a car, especially if you’re newer to the driving game, the question of: Do I need insurance to buy a car? is a pretty common question and one that deserves a serious answer.

In most every case you don’t need to buy car insurance just to acquire the vehicle.  On the other hand, if you want to drive it home, most states have minimum requirements on one or more types of auto insurance coverages and it really does vary state by state.  So the real question becomes: When do I need insurance to buy a car?

If you buy a used car with a fairly low value and pay cash for it you may simply want liability insurance if this basic coverage is all that’s necessary in your state.  Some states may require a more comprehensive coverage though.

Do I need Insurance to Buy a Car?

Whether you purchase the car from a private owner or a dealer and you get a loan for the car, you’re going to have to get comprehensive coverage because the lender is going to want to protect their investment.  Let’s be honest, if you injure someone your liability can greatly exceed your reserve savings to pay off the potential damages.  If only your car is damaged, the fix-up cost could exceed the value of the car.  Again, the lender has to protect their investment and the loan has to be paid.

Here at we specialize in offering tremendous auto insurance coverage savings by allowing you to get multiple quotes right here online for your specific location in just minutes and it’s completely free to do. 

Do you need insurance to buy a car?

Well, to one degree or another, it’s required in every State in the U.S.

Do I Need Insurance to Buy a Car?

When you’re quoting insurance, part of the application process will not only be identifying the make and model of the car, but also if the car is financed.  The minimum coverages your State requires will be automatically taken into account and they’ll take numerous other facts into consideration that may allow you to qualify for discounts relating to:

  1. Driving record and experience
  2. The number of policies with one insurer
  3. Marriage status
  4. Attachment with a variety of groups
  5. Geographic location where you live
  6. Driving less miles versus more miles
  7. Maintaining good credit

Seriously, if you’re going to get the insurance you need, you obviously want the lowest priced quotes.  The only way to do that is to get multiple quotes from a number of providers right here and make sure you quote the same variables from each insurance company.  Online shopping has never been easier than it is for car insurance.

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