New car insurance?

Wondering how to insure your new car? The truth is, your current insurance policy will cover your new car the second you drive it off the lot—typically at the same level of coverage as your old car. But if you don’t carry liability or physical damage protection, you may end up stuck at the dealership, or worse, in violation of the law.

How does insurance work when buying a new car? You don’t have to switch your insurance to your new car right off the bat. Since most insurers offer a grace period for updating your policy with your new vehicle, your dealer will typically just need proof of insurance before they throw you the keys. Even if you don’t have auto insurance, you can start a policy before buying your car if you know the vehicle identification number. How much is insurance for a new car? Usually, getting a new car will increase your rate because it’ll be worth more than your old car. But the exact difference in cost will vary greatly based on the:

• Model year

• Make and model

• Title and damage history

• Amount of coverage purchased

Note that other factors may impact your rate if you’re starting a brand-new policy. But even if your rate increases, you may be eligible for a few discounts, including the smart vehicle discount for automatic emergency braking (AEB).*Disclaimer Just get a quote online or call, and we'll show you which discounts you qualify for.

Should I get an insurance quote on a new car before I buy it?

Absolutely. You want to know how your new purchase will affect your insurance rate in advance. Even if you don't have a policy with us, you can get a quote online with us. https://www.skylinequote.com/ We're happy to provide a free quote on whatever car you have your eye on.