Whether you're a busy professional or a college student, getting a new car can be an exciting life milestone. It represents a new chapter in many people's lives, where they can finally drive around town without worrying about public transportation. Buying a new set of wheels can also symbolize independence and mark the start of adulthood. 
While getting caught in the excitement may be tempting, remember that your responsibilities go beyond taking driving lessons. You also need to ensure you have a good car insurance policy. However, how soon after buying your car do you need to have your car insured?
If you want to enjoy a safer drive around town, this article will answer your commonly asked questions. 

How Soon Do I Need Insurance After My Purchase?

If you already have car insurance, you usually have up to 30 days to report your new car to your insurance company without penalty. While your current policy should cover your new vehicle, it’s still best to double-check with your provider. On the other hand, if you’re getting your first car and don’t have insurance yet, you must buy coverage before driving the auto legally. Remember that driving uninsured is illegal in most states and can have severe consequences when accidents happen or if you are pulled over for any reason. 

Are There State Laws on Auto Policy Grace Periods?

Depending on your policy and state laws, car insurance companies may need to provide a written letter before canceling your plan. When reading about state laws on car insurance policies, always look for the grace periods and cancellation regulations. Some states offer a grace period of ten to 20 days, while others may allow immediate cancellation. 

How Long Does a Car Insurance Grace Period Usually Last?

Grace periods for car insurance range from one day to a month and vary by location and plan. All states except New Hampshire and Virginia always require car insurance, even those requiring confirmation from the Department of Motor Vehicles (DMV). Ensure to get information on your grace period and steps to avoid a lapse in coverage in writing from your insurance company. 

Do All Insurance Companies Offer a Grace Period?

Although car insurance companies don’t offer grace periods for late payments, some may have them to remain competitive. You should always speak with an insurance agent about your plan’s specifics. You must also know that some organizations may allow certain late payments before taking stricter action. Moreover, immediately inform your company of any issues or changes.

Car or Insurance: What Should I Get First?

It’s usually best to purchase car insurance before buying a car unless you already have coverage for another vehicle. If you’re adding or replacing an auto on your current policy, it should extend to the new automobile. However, if you don’t have insurance, you can still buy your new car, but you should get coverage beforehand to avoid complications when purchasing your new wheels. 

Can I Get Car Insurance over the Weekend?

While some insurance companies may operate on weekends, generally, you'll need to wait until a weekday to add a new vehicle to your policy or purchase your first coverage. 

How Can I Get Proof of Insurance Before Buying a Car?

Once you know which car to buy, you can pre-purchase insurance with the Vehicle Identification Number (VIN). You can show your insurance card at the dealership if you already have car insurance. The professionals at The Oakley Agency can also help set you up with the best auto insurance policy.

The Bottom Line 

Getting a new or used car can be rewarding, but you must know your responsibilities. You can enjoy a safe ride and avoid legal trouble by educating yourself about state laws and grace periods. 
If you need one of the best insurance companies in Florence, AL, for your car, visit The Oakley Agency! We're committed to protecting your vehicle so you can focus more on everything else you enjoy. Contact us now to get an auto quote!