Question: How to insure a used car off of the lot with no previous insurance?
I have never had insurance in my name before (my parents had me under their insurance within the past 6 months, but I am now not insured, nor driving a vehicle). I am interested in buying a car from a buy here, pay here lot and I don't quite understand how it works as far as insuring the vehicle off of the lot goes. I was told that the dealer would give me a few options of insurance (usually crappy) and I would use that insurance for the drive home, and subsequently get my own insurance. This is so ridiculous to me, to pay for insurance twice?! I just want to know the legal & affordable & practical way of insuring this vehicle. Is it not possible to be at the dealership, buy the car, get insurance over the phone while still on the lot, and then drive it home? Because I realize that the dealer will not let you drive it off of the lot if you don't have insurance. Also, how will they know I have the insurance? Since I currently do not have any, I won't have an insurance card or anything material to provide as proof... will they accept an over-the-phone affirmation by the insurance company as proof?
BEST ANSWER: Try this site where you can compare quotes from different companies: INSUREINFO.US