How to Put a New Car on Your Insurance Policy

Buying a new car is an exciting experience, but it's important to stay grounded and get your ducks in a row before you finalize the purchase. One of the details your salesman will ask you for is proof of proper auto insurance for the new vehicle. If you have a current insurance policy, it's very simple to put a new car you've just purchased on the same policy.

Step 1

Determine the make, model and year of the car you want to buy. If you're unsure, you can wait until you get to the dealership and make your final decision.

Step 2

Call your current insurer and provide the representative with complete information about the new car. Explain that you need comprehensive physical damage coverage for the vehicle as well as other pieces of property. When you finance a car, the lender requires this coverage to protect the asset in case of an incident. Your state may also require bodliy injury coverage to protect the other driver. If you purchase the car yourself, without a loan, you may only need basic liability auto insurance, which covers the other person's property.

Step 3

Retrieve a new insurance card for the newly insured car on your policy via fax or mail. Show the card as proof of insurance to the dealer if requested. Bring this card to register the vehicle and get your plates when you visit the Department of Motor Vehicles.

the nest