First-Time Car Owner Seeking Insurance Recommendations
Hi everyone, I’m a 22-year-old male about to buy my first car. Since my parents don’t have any vehicles or auto insurance policies I can join, I’m looking for some advice. The car I want is 150 miles away from my home in California, and I need a way to legally drive it back.
Is there any short-term insurance available that I can purchase by the day or by the mile? Ideally, I’d like to have coverage just for the trip from the dealer to my home, and then I can look for a more permanent policy later. I’m hoping to make the purchase in the next few days, and I know major insurance providers usually have processing times, so I need something that can go into effect the same day.
Any recommendations or tips would be greatly appreciated. Thanks!
Congratulations on your first car purchase! It’s exciting to take this step. For your immediate need of insurance to drive the car home, you have a few options:
Short-Term Insurance Policies: Some insurers offer short-term car insurance that allows you to buy coverage by the day. Companies like Geico, Progressive, and Nationwide may have policies that fit your needs. You can check their websites for same-day coverage options.
Temporary Insurance: Websites like Insure My Rental Car or Lemonade provide temporary policies that could cover you for the drive home.
Dealer Insurance: Sometimes, dealers can provide temporary insurance that lasts for a few days. Be sure to ask your dealer if they offer this option.
Title and Registration Insurance: In California, if you’re purchasing a car and need immediate coverage, you might be able to get a temporary operating permit from the DMV, which can allow you to drive the car legally for a short period.
Add the Vehicle to Your Policy: If you can find a provider that allows you to get a policy online, you might be able to add the car to a plan almost instantly.
Make sure to shop around, read the policy details, and ensure you’re covered for the drive back home. Good luck with your car purchase, and safe driving!