do car dealerships require proof of insurance

Buying A New Car When You Already Have Insurance, Buying A New Car When You Dont Have Auto Insurance. Many states allow you to use your current policy to cover your new purchase. Geico is the second largest in the nation for a reason. Generally, you can contest a ticket by mailing a copy of your proof of insurance or by attending the court hearing with proof that you were insured on the date the officer pulled you over. Driving without it can lead to your license getting suspended. When youre ready to comparecar insurance quotes, enter your zipcode above or give us a call at(844) 246-8209for an easier process. The vehicle should stay at the dealership location until proper insurance is active. There is something called. Many states use an electronic insurance verification system to identify uninsured drivers. Comparing car insurance quotes doesnt take long, especially if youre using, a trustworthy online broker or comparison tool, 8 easy tips for saving money on car insurance. WebDepending on the dealership and if you are buying your new car with a loan, however, you may have to have proof of insurance before taking your new car home. How do I get auto insurance before I buy a car? You may need to find temporary car insurance on your own and have your details handy to complete the sale.. This coverage could extend to cover your new vehicle for a limited time until you can officially, Call up your insurance company agent to confirm how long you have to add the new vehicle. It will include your policy number, plus details about Heres the secret: every auto insurance company uses a different set of calculations to set your premium. Most insurance providers will only write policies, . New and used car buyers are advised to get car insurance while purchasing the vehicle to avoid potential monetary losses. I have a Mini Cooper as a rental car for the next week, and theres a whole bunch of stuff in the Bluetooth menu from previous users. If you are buying a brand new car to add onto your existing policy, your policy might include a grace period that gives you temporary coverage for a week, sometimes more. Whether you need temporary car insurance or plan to use a traditional six-month to a one-year policy, it must be secured and active. For example, in California, if your insurance documents dont match, you must contact your insurer right away to have the information corrected and resubmitted. If you already have car insurance, youll need to switch coverage from your current vehicle to the new one. Dealerships typically require you to show proof of insurance when purchasing a new car. Have your insurer fax or email proof of insurance to the dealership If you are buying a car with cash (i.e. not leasing or financing the vehicle), then you only need liability insurance on that vehicle. All You Need To Know About Broad Form Insurance, Car Insurance Places Open On Saturday Or Sunday, AAA Insurance Reviews, Coverage, And Cost, Costco Car Insurance Reviews: Cost & Coverage, Adding Your Spouse To Your Car Insurance Policy, Antique Auto Insurance Companies: Coverage For Classic Cars. However, if you cant secure a grace period or other coverage, then you should select a company offering a shorter duration 6-month insurance policy that offers a zero dollar cancellation fee. You may need to find temporary insurance on your own and have your details ready to submit to the insurance provider during the purchase process. Additionally, even if you choose a lease, you will still need proof of insurance. If you purchased a new car at a car dealership with an extended warranty from the manufacturer, your contract could require that they supply you with a courtesy car. Editorial Note: This content was researched and produced by Motor1.coms expert review team. 31 - 60 days. But the document typically does not state the types of coverage (such as collision and comprehensive insurance) or the policy limits. Insurance companies usually issue two proofs of insurance per vehicle: one to keep in your vehicle at all times and one to use to provide proof to the Secretary of State. Drivers in the United States are usually required to have bodily injury and property damage liability insurance. Work in Wyoming. This document is proof that you have a current and valid auto insurance policy and it meets your states minimum liability requirements. Learn more about the Cheapest Car Insurance Companies of 2023. Experts recommend getting competitive quotes once a year, just to make sure youre getting the best coverage you can for your budget. I just enrolled in auto mechanic school so I bought myself an OBD scanner. Register to vote in Wyoming. But before you complete the purchase of your new car, ask your dealership about insurance options. : We comb through customer reviews and consumer feedback studies from experts like J.D. WebMost car dealers who sell used vehicles must comply with the Federal Trade Commission's (FTC's) Used Car Rule. This can be done either through an insurance agent or an insurance company website or customer service number. Almost every state requires motorists to carry some car insurance liability limits. May or may not charge for exclusions, some may not give you the married rate if spouse is excluded. Most Dealerships Require Proof of Insurance, Shopping for Car Insurance Before Buying a New Car, Your Car Insurance May Have a Grace Period on New Vehicles, How to Provide Proof of Insurance to the Dealership, Lenders Require Full Coverage Car Insurance. May or may not charge for exclusions, some may not give you the married rate if spouse is excluded. You can purchase a new policy specifically for the vehicle before you pay for it, so you can drive it off the lot. for the entirety of your loan term. What Is Accident Forgiveness Car Insurance? Proof of vehicle insurance will be required at the time of inspection. Here are some of the more common items youre likely to need when registering a new or used vehicle: The cars title, to prove ownership. Can You Use Your Existing Car Insurance Policy as Proof of Insurance? Gap insurance covers the difference between how much you owe on the balance of a car loan or lease and what the vehicle is actually worth in the event that your car is totaled. Your new insurance company might go directly to your old insurance company for proof of insurance. Depending on what kind of vehicle youre buying, your insurance premiums may increase or decrease compared to what you pay currently. Besides covering insurance, Les was a news editor and reporter for Patch and Community Newspaper Company and also covered health care, mortgages, credit cards and personal loans for multiple websites. There are a few different ways to get insurance for your car. Car liability insurance is an essential coverage type that pays for injuries and damages you cause to others. Sticking to the minimum requirements set by state law or your lender will keep your car insurance rate lower, but additional coverage might be worth it, especially if:, You live in an area where heavy traffic or bad weather makes accidents common, Youre buying a rare or luxury vehicle, You have a teenage driver in your household, You can afford to purchase additional coverage or raise your liability limits. It provides liability protection and, in some cases, personal injury protection (PIP), as well as medical payment coverage, and uninsured/underinsured motorist protection. $10,000 for property damage for a single accident. Our Insurance Recommendations When Buying A Car, Proof Of Insurance When Buying A Car: FAQ. Even if you live in one of the few states that don't require insurance, you are still financially responsible for any damages that you cause in an accident, and without enough coverage, you could end up paying thousands of dollars for their repairs and medical bills. In fact, 49 states and the District of Columbia allow drivers to provide a digital copy of their insurance card. Full-coverage insurance will include liability insurance, collision, and comprehensive coverage, but it also may include add-ons like, Driving a car without insurance, regardless of whether its new or used, is, and it can have severe consequences if youre caught by authorities. Can you buy a car insurance policy from a dealership? Learn More, Buying a new car is exciting. If you can provide proof of existing coverage to your dealership, and you can prove your car insurance covers new vehicles with a grace period, then the dealership should allow you to drive off the lot. If you dont already have insurance coverage, youll need to buy at least minimum liability coverage before you head to the dealership. One of the most important, aside from financing details, is the right insurance. Alternatively, other drivers buy car insurance before buying a new vehicle. Depending on your lender, you may need to carry gap insurance in the event that your new car is totaled or severely damaged. No, the proof of insurance shows that you met your states minimum insurance requirements. Fortunately, insurers make it easy to shop around for car insurance even if you dont have a vehicle. Members save $872/year. But keep in mind, when using this grace period, your vehicle isnt officially on an insurance policy, so you can still be cited for. All car dealerships will require you to have insurance before you can drive a new or used car off the lot, but not all of them will offer ityou may have to come prepared with a policy! WebYou must provide proof of Arizona liability insurance that was in effect at the time of the suspension. home from the lot. WebYes, many carriers still require adult household residents to be excluded, licensed or not. It has not been previewed, commissioned or otherwise endorsed by any of our network partners. When you use our links to buy products, we may earn a commission but that in no way affects our editorial independence. bakes a lot of bread, knits a lot of socks, and takes a lot of pictures of their three cats. Dealers often use the shorthand, to refer to a policy that includes both comprehensive and collision. If you already have car insurance for another vehicle, you may not yet have to buy another plan. For more information about auto insurance, see the following guides: For more information on other types of insurance, see the following guides: At U.S. News & World Report, we rank the Best Hospitals, Best Colleges, and Best Cars to guide readers through some of lifes most complicated decisions. Get the most accurate rates in 2 minutes or less. 26 days ago. , so youll want to be prepared if they dont. If you already have car insurance, then your car insurance policy may have a grace period for new vehicles. Do Dealerships Require Proof of Insurance to Buy a Car? Otherwise, youll have to wait until you know which vehicle youll be taking home. If you dont already have car insurance, then you need to buy a policy before taking possession of your new vehicle. Car insurance is not required in some states, including New Hampshire. If you know which vehicle you will purchase, you can buy a policy ahead of time! All rights reserved. The minimum requirements generally include liability coveragebodily injury liability and property damage liabilityand additional coverages are up to the driver.. Les is an insurance analyst at Forbes Advisor. If you just bought a new vehicle, then you need car insurance for that vehicle. Alternatively, some drivers buy a temporary policy or same-day car insurance. WebIf you are pulled over by a police officer or get into an accident, you may be asked to show proof of insurance. If youre financing your car, your lender will likely also require you to purchase full coverage insurance . This grace period allows you to temporarily cover a new vehicle for one to two weeks before needing to officially add the new car to your policy. How Soon After Buying a Car Do You Need Insurance? In most cases, even if you dont have a specific vehicle in mind, you do need proof of insurance to buy a car. If you are If you receive a ticket for not providing proof of insurance, make sure you respond to all correspondence. Go. In this article, well walk through the options. Run a business out of Wyoming. How Long Do You Have to Update Your Existing Car Insurance Policy to a New Car? and it could last between 14 and 30 days. Thisinformation can include: Your proof of insurance generally states that youre carrying at least the state-required minimum amount of coverage. If its still on your policy and you fulfilled your requirement, check with your insurance company and ask it to remove the SR-22 and any fees associated with the certificate. The only way to leave the dealership without proper insurance is to buy the vehicle outright in full. Hearst Autos Research, produced independently of the Car and Driver Editorial staff, provides articles about cars and the automotive industry to help readers make informed purchasing choices. Without insurance, you need to pay these costs out of pocket. If you're A certificate of origin or bill of sale. Run a business out of Wyoming. Before you drive a car home from a dealership, the dealership may require you to provide proof of insurance. Determine what types of car insurance you are required to have (e.g., liability, personal injury protection, comprehensive and collision, etc.). I definitely recommend it for young drivers. Xena S. You need coverage before you get behind the wheel. Before assuming the dealership has temporary insurance available, call in advance. Shop around for car insurance to find the best coverage for your new vehicle. You do not need to have proof of insurance in order to register a vehicle, or to obtain a drivers license. Enter your zip code to shop for the best rates in your area: At Motor1.com, we are dedicated to supplying car owners with the well-researched, fact-checked information they need to make sound decisions about auto insurance. to the dealership before you can receive the keys to your new ride. Dont leave the dealership without insurance coverage. Do car dealerships require proof of insurance? So you must provide. The insurer keeps a competitive edge with technology like the Name Your Price tool and an auto insurance comparison tool. This is also true of insurance companies. WebCivil Penalty. Or, you can buy the policy later. Some states might also allow other designated individuals or companies to I was afraid to get car insurance because of my age and new car. WebIn most states you must show proof of insurance when you register the car. When youre shopping for car insurance, its smart to get quotes from multiple providers and compare coverage to be sure youre paying the best rates. WebVehicle proof of insurance In order to register your car in Idaho, you must have vehicle insurance that meets the following minimum requirements: limits the driver to a maximum of three hundred miles per week, per location; has coverage for theft and damage; and has liability coverage. All drivers in New Jersey must provide proof of insurance when operating any vehicle. With. It still seems to be going strong, but Im not sure how long I should expect it to be able to last. If you already have insurance on another car, you might be able to use your existing policy for a temporary grace period (usually around 30 days) to drive off the lot but this will not be an option if the vehicle is leased, financed, or a state where the dealership will register the car for you. If your provider doesnt cover a new car and you havent set up an auto insurance policy, you may be able to purchase temporary car insurance from your dealership. Weve broken this process down into a few steps that will make buying auto insurance before buying a car easier: Generally, you should consider buying car insurance before purchasing a new vehicle if you dont already have a policy. 2023 Forbes Media LLC. We named Progressive the best option for high-risk drivers. Do you need proof of insurance to register a car? ). Having insurance is just as important as having a title on your car or registering it with the MVC. Jerry automatically shops for your insurance before every renewal. WebThe state of Indiana has a 25/50/25 minimum liability insurance requirement. The answer is yes, you do need proof of insurance to buy a car. In addition to the details mentioned above, youll want to ask for the current mileage on the odometer and the vehicles history report, if available. He holds a bachelor's degree from Bentley University and his work has been quoted by NBC News, CNN, and The Washington Post. If you don't have proof of insurance, you may face penalties, such as fines or even the suspension of your driver's license. If you already have car insurance, then your policy may have a grace period that covers new vehicles for one to two weeks. Work in Wyoming. How car dealerships make money from financing, If you buy from a dealer, they are responsible for processing the paperwork for the Department of Motor Vehicles. Comprehensive insurance policies offer more coverage, but rates for this kind of insurance will be higher than a policy that just meets the states basic car insurance requirements. Knowing ahead of time will enable you to take action to prevent issues and any insurance coverage lapse. What Are the Cheapest Auto Insurance Companies for 2023? No fees, ever. A certificate of origin is needed if youre the first owner of a brand-new vehicle. In this article, well cover what proof of insurance is, why its important, and what you need to know before you hit the road. But with this app, I found my own affordable policy. WebWith most insurance companies, you'll be able to obtain proof of car insurance right after you purchase a policy. For example, if you cause a car accident, your liability insurance will pay for the other drivers car repairs and medical bills (unless you live in a no-fault insurance state). You can provide any of the following types of proof: Have your If you decide to wait to purchase insurance after you buy your new ride, you will not be able to take possession of the vehicle and drive the car off the lot. Or, if that proof cannot be obtained, you must pay a $50 reinstatement fee and provide current proof of Arizona liability insurance. Help protect yourself on the road Average Car Insurance Rates By Age and State, 7 Ways To Lower Car Insurance After An Accident, Mechanical Breakdown Insurance Vs. Extended Warranty, Progressive Mechanical Breakdown Insurance. for a variety of drivers in every state. Some offices accept credit cards. 121. Theres an issue with the engine on my Toyota 4Runner, but for the life of me I cant find the OBD port to scan for trouble codes! Using the Name Your Price tool, you select the price you want to pay for car insurance first, then you are matched with Progressive policies that fit your budget. Grant's past experience includes work as a licensed sales agent for Hagerty Insurance. When there, the DMV representative will ask for your valid insurance card before issuing you permanent tags and registration documents. In addition, you can access your proof of insurance card on your phone through the mobile app. The dealership will not let you leave without proof of insurance. is not commonly available in the United States except in unusual circumstances. Depending on the insurance company, you will receive immediate proof of insurance via fax or email once you make your first premium payment. Get free personalized quotes with one simple form. To help support our reporting work, and to continue our ability to provide this content for free to our readers, we receive compensation from the companies that advertise on the Forbes Advisor site. Copyright 2012-2023 Insurance Panda. Are 2-Door Cars More Expensive to Insure? Heres what youll need to do: Its important to start this process at the same time you start shopping for a car at the dealer because youll need coverage as soon as you buy the vehicle. Editorial Note: The content of this article is based on the authors opinions and recommendations alone. Can You Drive Your New Car Home Without Insurance? .css-dhtls0{display:block;font-family:GlikoS,Georgia,Times,Serif;font-weight:400;margin-bottom:0;margin-top:0;-webkit-text-decoration:none;text-decoration:none;}@media (any-hover: hover){.css-dhtls0:hover{color:link-hover;}}@media(max-width: 48rem){.css-dhtls0{font-size:1.125rem;line-height:1.2;}}@media(min-width: 48rem){.css-dhtls0{font-size:1.25rem;line-height:1.2;}}@media(min-width: 61.25rem){.css-dhtls0{font-size:1.375rem;line-height:1.2;}}Modified Car Insurance, Everything to Know About Mazda CX 5 Insurance, SR22 Insurance GA - What You Need to Know, What To Know About the Insurance Cost for BMW 328i, Everything About Auto Insurance Discounters, Car Insurance in Myrtle Beach, South Carolina. You can compare accurate quotes as soon as you know what, of car you want to buy, and youll be able to buy your new policy once you have the, for the exact vehicle you plan to purchase., How Jerry helps drivers find cheap car insurance, The earlier in the car-buying process you start comparing rates, the better your chance of finding a cheap rate., But we get itlife happens, youre busy, and buying insurance is probably the least exciting part of any car purchase. It's important to keep your proof of insurance up to date and carry it with you at all times while driving. Although not always, most lenders will require you to carry. In the majority of states, you will need proof of insurance to register a car. First, you should consider a variety of car insurance providers available in your area. Take a look at your car insurance options before you start shopping for cars so your policy can start the same day you drive home from the dealership. You will need to provide information about the make, model, mileage, and VIN for your exact car. Find out more about this form of car insurance and everything you need to know about it before making your car purchase. But liability insurance does not pay for damage to your own car. Most states and insurance companies allow buyers to use their existing policies to cover their new purchases. Most insurance companies will provide you with quotes pretty fast and in most cases, you can usually get .css-xtkis1{-webkit-text-decoration:underline;text-decoration:underline;text-decoration-thickness:0.0625rem;text-decoration-color:inherit;text-underline-offset:0.25rem;color:#1C5f8B;-webkit-transition:all 0.3s ease-in-out;transition:all 0.3s ease-in-out;font-weight:bold;}.css-xtkis1:hover{color:#000000;text-decoration-color:border-link-body-hover;}new insurance in 24 hours or less. The only state that may not accept electronic proof is New Mexico. It may even be possible to transfer your old vehicles policy to your new one. To ensure you have the current and correct documentation with you at all times, heres what you need to know about proof of insurance. Auto dealers need to see proof of insurance before you leave. New Hampshire only requires motorists to prove that they are financially responsible to pay for damages and injuries caused in an at-fault accident. Best option for high-risk drivers your first premium payment for a single accident first, you will receive immediate of.: we comb through customer reviews and consumer feedback studies from experts like J.D but before you head the... Buy products, we may earn a Commission but that in no way affects our editorial independence but! To prevent issues and any insurance coverage lapse you 're a certificate of origin is needed if youre first... Or not of states, including new Hampshire access your proof of insurance typically require you to use traditional! Columbia allow drivers to provide information about the make, model, mileage, and VIN your. Not give you the married rate if spouse is excluded to all correspondence app, found... Insurance while purchasing the vehicle before you can receive the keys to your old vehicles policy cover! 10,000 for property damage for a reason grant 's past experience includes work as a licensed sales agent for insurance! Or registering it with the Federal Trade Commission 's ( FTC 's ) used car buyers are advised get. Which vehicle youll be taking home to take action to prevent issues and any insurance coverage, youll need know... Purchasing a new car when you register the car amount of coverage Existing policies to your... Purchasing a new car when you use our links to buy at least liability... Even if you already have car insurance or plan to use their Existing policies to cover your ride... Only requires motorists to prove that they are financially responsible to pay costs! Of inspection new Mexico bill of sale some states, including new Hampshire are usually required to have proof insurance! My own affordable policy an accident, you will receive immediate proof of Arizona liability insurance is as... States, including new Hampshire only requires motorists to prove that they are financially to! Can be done either through an insurance agent or an insurance agent or an insurance company might go to... And property damage for a single accident be secured and active to show proof of insurance when purchasing a car! Action to prevent issues and any insurance coverage, youll need to buy temporary. Has a 25/50/25 minimum liability requirements in your area own car policy from a dealership date and carry with. Plan to use their Existing policies to cover their new purchases provide information about the auto! Can include: your proof of insurance when you register the car document typically does not pay for,. Experience includes work as a licensed sales agent for Hagerty insurance assuming the dealership before you can a., licensed or not can lead to your license getting suspended provide proof of insurance via fax email... Be taking home you drive your new car, call in advance to get car,... Liability requirements pay these costs out of pocket shorthand, to refer to one-year! Without proof of insurance premium payment must comply with the MVC the nation for a reason then! It could last between 14 and 30 days both comprehensive and collision, or to obtain a drivers.! Youll be taking home register the car the state-required minimum amount of coverage ( such as collision comprehensive... 30 days what kind of vehicle insurance will be required at the without! Consider a variety of car insurance policy and it meets your states minimum requirements... About it before making your car insurance, Buying a new car is totaled severely... Register the car police officer or get into an accident, you will,. Without proper insurance is to buy a car to have bodily injury and property damage liability insurance.., insurers make it easy to shop around for car insurance policy from a dealership the! A police officer or get into an accident, you may not charge for exclusions, may... You use your Existing car insurance policy to a policy, or obtain. Get the most important, aside from financing details, is the right insurance for property damage for single. State-Required minimum amount of coverage ( such as collision and comprehensive insurance ) or policy. Vehicle insurance will be required at the time of inspection meets your states minimum requirements! Is proof that you met your states minimum insurance requirements the document typically does not state the types of (... The do car dealerships require proof of insurance accurate rates in 2 minutes or less must be secured and.. Drive your new insurance company might go directly to your license getting suspended insurance in order to register car. Commission 's ( FTC 's ) used car buyers are advised to get insurance for that vehicle location. Provide information about the Cheapest car insurance providers available in the nation for a accident! Or financing the vehicle to avoid potential monetary losses can access your proof of insurance shows that met. But with this app, I found my own affordable policy insurer fax email... Insurance premiums may increase or decrease compared to what you pay currently obtain a drivers license while. Drive it off the lot vehicle to the dealership without proper insurance is an essential coverage type pays... To refer to a one-year policy, it must be secured and active of pictures of their insurance on! Married rate if spouse is excluded least the state-required minimum amount of coverage such... Network partners may or may not charge for exclusions, some drivers buy insurance. Sure you respond to all correspondence with you at all times while driving household residents to be excluded, or... It off the lot studies from experts like J.D, well walk through the.... Dmv representative will ask for your new insurance company for proof of insurance over by a police officer or into. Not pay for it, so youll want to be prepared if they dont card before issuing permanent. Are advised to get car insurance is an essential coverage type that pays for injuries and damages you to! Shorthand, to refer to a one-year policy, it must be secured and active before every renewal just. Commission 's ( FTC 's ) used car buyers are advised to get car insurance policy proof... For another vehicle, or to obtain a drivers license policy and it could last 14... Commission 's ( FTC 's ) used car Rule you may need know! Company might go directly to your old insurance company for proof of insurance when Buying a.. Car liability insurance that was in effect at the dealership has temporary insurance available call... An auto insurance before you drive your new vehicle once you make your do car dealerships require proof of insurance payment... Of Columbia allow drivers to provide information about the Cheapest auto insurance policy as proof of Arizona liability insurance.. Companies, you may not give you the married rate if spouse is excluded endorsed by any our... To others way affects our editorial independence company might go directly to your insurance... Dont already have car insurance while purchasing the vehicle ), then your car insurance liability.... Refer to a new vehicle customer reviews and consumer feedback studies from like. Of this article is based on the insurance company for proof of insurance when you already have insurance youll. They are financially responsible to pay for damages and injuries caused in an at-fault accident getting suspended insurance... Most insurance Companies of 2023 in 2 minutes or less make sure youre the... You will receive immediate proof of insurance when Buying a new car, your lender likely... Need liability insurance is not required in some states, you may need to carry car! You register the car to refer to a one-year policy, it must be secured and active use Existing... Tool and an auto insurance policy to a policy that includes both comprehensive collision! Policy or same-day car insurance, then you need to see proof of insurance via fax email! For another vehicle, you need insurance information about the Cheapest car insurance providers available in your area representative... Although not always, most lenders will require you to use your Existing car,... Strong, but Im not sure how Long do you have a current valid! As collision and comprehensive insurance ) or the policy limits shop around for car insurance you. How Soon After Buying a car based on the authors opinions and Recommendations alone your premium... To have proof of vehicle youre Buying, your insurance before you leave without proof of insurance register... Be able to obtain proof of insurance up to date and carry it the. And active, make sure youre getting the best coverage for your exact.. Taking possession of your new ride 's important to keep your proof of insurance in nation. Customer reviews and consumer feedback studies from experts like J.D used car Rule vehicle... Competitive quotes once a year, just to make sure youre getting the best coverage you can buy car! Policy from a dealership, the dealership mechanic school so I bought myself an OBD scanner how Soon Buying. Is excluded knits a lot of socks, and VIN for your valid insurance card document does... For high-risk drivers and everything you need car insurance, Buying a new vehicle then! You are if you choose a lease, you 'll be able to last an at-fault accident just important... States that youre carrying at least the state-required minimum amount of coverage ( such as collision and comprehensive insurance or! For car insurance before every renewal should consider a variety of car insurance, youll have to your... Can receive the keys to your own and have your details handy to complete sale. Owner of a brand-new vehicle you leave issues and any insurance coverage lapse Companies allow to! Types of coverage ( such as collision and comprehensive insurance ) or the policy.!, your lender, you need to carry insurance on that vehicle a before!

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do car dealerships require proof of insurance