Buying a new (to you) car is an exciting venture for any driver, and it can be easy to overlook buying insurance coverage for it before you go to pick it up. In most states, you will be required to provide proof of coverage before you will be allowed to drive your car off the lot.
If you happen to be in a state where the dealer will let you go without liability insurance in place, think about this choice carefully before you do it. No one wants to think that they will be involved in an accident, especially right after picking up their car, but the fact is that an accident can occur at any time.
Liability Auto Insurance Coverage
The at-fault driver in a motor vehicle accident is required to pay for the damages he or she caused. If the driver has liability insurance coverage in place, the company will pay for claims made by the occupants of the other vehicle for medical bills, rehabilitation expenses and economic loss stemming from the accident.
A driver who doesn’t have this type of coverage in place will be responsible for paying for the damages caused in the accident personally. Very few people have the means to pay out what could amount to tens of thousands of dollars or more to settle a claim without causing a financial hardship, at the very least.
How to Find Liability Auto Insurance Coverage Quickly
A person who has just bought a car and needs to put liability auto insurance coverage in place quickly has the option of shopping for coverage online. It’s the quickest and easiest way to get this type of protection in place.
A number of insurance companies offer online quotes to prospective buyers. Someone who wants to arrange coverage quickly can visit several providers to get individual quotes for the type and level of coverage they want. An even faster way to find coverage for a new car is to visit a web site which offers quotes from several companies at once.
Buy Auto Insurance Coverage Online
Once the auto insurance buyer has found a company he or she is interested in, buying the policy online is an easy and convenient process. The buyer can buy the policy over the Internet and put down a deposit by using a credit card or another accepted payment option.
The insurance company will issue a receipt for the coverage as well as a temporary insurance card. These documents will serve as proof of coverage until the full policy is forwarded to the customer by mail.
A new auto insurance customer can get liability coverage in place very quickly by shopping online. The company can issue proof of coverage within a few minutes, and a number of companies offer discounts to customers who buy a policy online. Since this method of arranging coverage is so easy and convenient, driving off a dealer’s lot without having liability auto insurance coverage in place doesn’t make good sense.