If you have your Pennsylvania driver license then chances are you know you need to carry Pennsylvania car insurance to drive a vehicle on public roadways.  One of the first things you learn in driver’s school and from your parents is that you should never drive a vehicle if you do not have insurance that will satisfy the PA auto insurance laws.  You should also never drive if your insurance has cancelled for non-payment or lapsed for any other reason.  If you already have insurance and you are in the process of buying a vehicle, you might be comparing Pennsylvania car insurance rates as you read this.  If you are planning to take your trip to the dealership this weekend, you might be wondering if you need to bind your insurance on your new vehicle before you drive off of the lot.  Learn how your current auto insurance will extend to the new vehicle and when you need to bind your insurance so you are never driving on the road unprotected.

 

Do You Need to Have Your Insurance In Place Before You Drive Off of the Lot?

You have probably compared several different vehicles and even test driven a few.  If you know what type of make or model you are looking for, you can start asking your agent for Pennsylvania auto insurance quotes so you know just how much you are going to spend each year or month.  When you ask for quotes, you may not know exactly what vehicle you are going to purchase.  It is common to go to the dealership with the intention of buying one car and then driving off with another.  This is why you do not bind your insurance before you sign the contract.  Just because you have not bound your insurance before you arrived at the dealership does not mean you have pick up the phone while you are signing the contract.  Fortunately for you, your existing car insurance will extend to a newly purchased vehicle for a limited period of time.

 

How Will Your Coverage Extend?

You might be wondering how your coverage will extend to a newly acquired vehicle.  If you are wondering, here is a basic description of how it works.  If you currently carry liability coverage and only liability, this is the only cover your new vehicle will have.  If you buy a new car, you will want to have full coverage especially if the vehicle if financed.  If you carry a $500 deductible for comprehensive and collision, these deductibles will extend as well.  Everything you currently have will extend to a newly acquired vehicle for either 14 or 30 days depending on the company.  If you still have your old vehicle, the coverage on this vehicle will still be valid until you have the vehicle removed from your policy.

Now that you understand how your insurance works you don’t have to stress about calling your agent before you leave the car lot.  Show the dealer your current ID cards and drive off with peace of mind that you are covered.