How long until you need car insurance??

Question

We are buying a car tomorrow, how long do we have until we have to get insurance..is there a time frame.? we live in California if that helps out any..We do not have any insurance and are planning on buying a used car from a dealership. i tried looking online for quotes but i need the info for the car first..i dont have it..i dont even know which car im getting all i know is i got ten thousand for a car.

Answer 1

With out insurance your not taking the car off the lot.

Answer 2

your best bet is to get insurance asap.

Answer 3

you need it as soon as you buy the car,anytime your behind the wheel of a car its needed,if you got in any kind of an accident with it,you wouldn't be covered,and an accident can happen at any time without warning,all it takes is one person not paying attention to what their doing and you could get caught in the middle of it all,and driving without it now days in most states is against the law,so id want it as soon as i left the car lot with it,good luck.

Answer 4

You should call an Insurance company BEFORE you buy the car.  They will advise you on what to do and when to do it.  You should not drive the car off of the lot without insurance.  The dealer will help you too

Answer 5

There is no ONE insurance company that is right for everyone - everyone is rated individually - and all companies have different "likes and dis-likes", different credit tiers, different business models, and many other factors that can vary your rate - and a QUOTE is ONLY a quote until the policy is issued.

Typically, insurance rates will vary from State to State and can even vary by ZIPCODE! It also will depend on the type of car/truck, coverages, limits of liability, and driving record. Some companies run credit scores and MOST run a motor vehicle report and CLUE (Comprehensive Loss Underwriting Exchange) report to see about undisclosed accident involvement.

The best thing to do is call a LOCAL independent agent or broker. Don't go across town, or to some other city - look for someone CLOSE. Just look in the phone book for the PIA or Big I (Trusted Choice) logos and you will find a professional licensed agent or broker that will be able to help you solve your insurance problems, and give you rate comparisons of several different companies. You can usually call from the dealership and the dealer may even have a local agent that he works with.  Then, go test drive the car once you have decided and go by the insurance agent's office for pictures, and to finalize the application and then you will have insurance on your new purchase!

An independent insurance agent will normally have a dozen different companies and if he cannot help you, he should be networked with other local agents that can.

Most of the replies on this site say "go to this on-line carrier or that on-line carrier or that 1-800 number" but I'm sure that when you do, you will find some impersonal computer user with a script to work from and you won't be able to talk with the same person every time you have a problem!

Good luck, drive RESPONSIBLY and I hope this helps!