You asked: What insurance do I need for test drive?

Do you need car insurance to test drive?

Whether you’re buying from a dealership or private seller, you typically don’t need to show proof of insurance on a test drive. … A dealer’s insurance will usually cover unexpected damage or physical injuries that occur during test drives if their vehicle is in an accident.

Does my insurance cover a test drive?

When you test-drive a privately owned vehicle, the same rules hold: The car owner’s insurance typically covers damage to the car during your test drive, notes Sharer. … “In most states, insurance stays with the vehicle,” Sharer says. “That means your auto insurance typically covers your car.

How do I insure a test drive?

On a private test drive, you should have fully comprehensive insurance which will cover all parties. The easiest and often cheapest way to get this is with a temporary car insurance policy. Short term insurance offers comprehensive cover that’s perfect for test drives.

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What do you need for a test drive?

Before You Go:

  • Research vehicles that meet your criteria and budget.
  • Locate dealerships in your area and make an appointment.
  • Bring your driver’s license and proof of insurance.
  • Research financing options.
  • If you’re shopping used, print out our used car checklist to bring with you.


What happens if you crash a car during a test drive?

Dealership Insurance

No matter who is liable for the accident, fleet insurance normally includes the damages and injuries suffered from an accident during a test drive. If the test driver is a minor, the dealership has been known to recover the costs through their own insurance to help keep the test driver’s business.

How long do I have to get insurance after buying a car?

The California new car insurance grace period is 30 days, which is how long you have after purchasing a vehicle to get insurance coverage for that vehicle and provide proof of that coverage to the California DMV.

Who is responsible during a test drive?

If you are responsible for a car accident during a test drive, the dealership can try to hold you liable. Generally speaking, in these cases, your own car insurance policy would kick and pay for a test drive crash just as it would be if you got into an accident when driving a rental car.

Should you let someone test drive your car alone?

You should accompany prospective buyers on the test drive. … If the buyer makes a special request to go it alone and you feel comfortable with that, make a copy of his or her driver’s license (assuming you don’t have quick access to a copy machine, simply jot down the name, address and driver’s license number).

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Should you let a buyer test drive your car?

People avoid selling their own cars because they don’t want to deal with strangers. … If you screen callers carefully, the test-drive and sale will be safe and smooth. When you’re selling a car, arrange to meet a prospective buyer in a public place, such as the mall parking lot. Don’t turn over your keys to a stranger.

Can I drive another car with comprehensive insurance?

Driving Other Cars (DOC) insurance isn’t usually included as part of a fully comprehensive policy. Unless your policy states otherwise, you’ll only be able to drive your partner’s car if they’ve added you as a named driver or have a family or any driver car insurance policy.

How long should a test drive be?

Expect the test drive to last between 15 and 30 minutes, including the salesperson’s time behind the wheel. Be prepared for the salesperson to ask if you’re ready to buy when you return to the dealership after the test drive.

What do you do during a test drive?

Tips For The Test Drive

  1. Do your homework. …
  2. Schedule an appointment with the car dealer. …
  3. Make a list of the cars and features, and check the various consumer websites for the most recent car reviews. …
  4. Pick a day solely for test driving. …
  5. Make a checklist. …
  6. Bring a buddy and your stuff. …
  7. Comfort is key.

Do I have to pay for test drive?

Test drives are free! No way! The test drives offered at dealerships leave a lot to be desired.

Can I test drive cars for fun?

Test driving vehicles is a fun way to drive a variety of potential cars. … Most car dealerships will allow you to take a short drive in any of their cars. A test drive will enable you to imagine yourself as the owner of that particular car. Test driving works to the advantage of both the customer and the dealership.

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Does someone come with you on a test drive?

At some dealerships an employee there will accompany you when you drive the car you’re thinking of buying. … If you plan to take a car to a specific location during testing before returning to the dealer, make sure you’re absolutely clear on exactly what route you need to take.

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