When to Get Auto Owners Insurance

The laws in your state require automobile owners to have an insurance policy for each vehicle that is driven on the road.  You know that insurance is more than a mandate from the state.  It is a way to protect you in case you are involved in an accident.  Since you have to have it and you know it will help you, then when should you get auto owners insurance?

• When you purchase a new or used vehicle.  If you already have automobile coverage, contact your company or agent to let them know you need to add a vehicle to your policy.  You want to make sure you will be covered before you drive off the lot.


• When you finance a vehicle, the bank will require you to have insurance. This will protect the banks liability in the event of an accident.


• When you begin driving, you should be added to your parent’s policy or take out a policy of your own.


• When you will be driving another person’s vehicle for a long period of time.  You want to make sure that you provide the necessary coverages for a vehicle that you primarily drive.


• When you purchase any motorized vehicle including a truck, RV, SUV or motorcycle.


• When you drive a vehicle for a company as part of your duties.  Many companies will require driver’s to maintain insurance on a vehicle in case the employee is at fault in an accident.