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Most people do not even know this, but if you are in the market to buy a new car, you will absolutely have to have car insurance already established before you can even drive off the lot. You will need to let your insurance company know that you are shopping around so that they will be ready for you to call them and let them know about your car once you have it.
Most people already have a policy in place to cover the cars the already have, so it should not be a big deal at all to just add your new car onto the policy once you have bought it. The car salesman will want to know what the insurance company is. You will want to have your policy numbers handy so that he can get the information from you.
If you are able to pay cash for your car, leaving no balance owed, then the cost of your car insurance will be much less. If you have a loan against your car, most states will make you carry full coverage. If you can pay cash for your new car then you will only need to pay for what the state minimum is for coverage. Since it is a new car, you may want to go ahead and have full coverage on it either way.
Once you are comfortable with driving it, and feel that you would OK with just the state minimum then you could switch it to that so you could save some money on your plan. It is not uncommon to want to get familiar with your new car before dropping the coverage a little. Each car will take a little time to get adjusted to how it drives.
A new car is a big investment. Some people consider their car a part of their family. You would not let your children run around uninsured, so you should not let yourself drive around in a car that is uninsured either. Make sure you have everything you need lined up first, including what car insurance you will have. This will make the entire car buying experience a pleasant one.
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