The proof of insurance is the documentation from your insurer that shows that you have an active insurance policy that meets state requirements. It is used when you are stopped, have an accident, rent a vehicle, or ask you to show it another way. The proof of insurance is usually an identification card, printed or electronic, provided by your insurer. To add a car to your policy, you can update your policy online or call your insurance company.
Usually, you only need to provide the vehicle identification number (VIN), license plate number, and the make and model of the vehicle. You may also be asked about the mileage and condition of the vehicle, depending on the insurer. Keep in mind that some insurers may limit the number of vehicles that can be included in a policy. You don't have to transfer your insurance to your new car right away.
Since most insurers offer a grace period to update your policy with your new vehicle, your dealer will usually only need proof of insurance before giving you the keys. Even if you don't have car insurance, you can start a policy before you buy your car if you know the vehicle identification number. Keep in mind that you could lose your e-discount if you choose to receive your car insurance card in the mail. The only reason that would delay canceling your car insurance in Progressive would be if you didn't include all the required information.
Keep in mind that other factors may affect your car insurance rate if you're starting a new car insurance policy. While it's always good to have paper copies available as a backup, you can rest easy knowing that your digital insurance card is sufficient in case you need to show proof of insurance. One very important note to remember: don't cancel your Progressive insurance until your new insurance is paid and in effect. With the above information in hand, you can start buying car insurance online, over the phone, or through an agent.
In the insurance world, claims are commonly referred to as losses, and the amount of losses a particular brand and model has can affect the cost of insuring. For example, Progressive allows 30 days, which means that if you file a claim within that period, your new car will continue to be covered in the same way as your old vehicle. If you're currently insured with another insurance company, you can simply start a new policy with your new car. You may need to present proof of insurance to your landlord, mortgage lender, or condo association, but you usually won't need an insurance card for property insurance policies.
The best way to buy car insurance is to compare quotes from different companies to see the different costs and coverage options. If you don't have physical damage coverage and your new car is stolen, wrecked, or damaged in an accident because of you, you won't receive money from your insurance company.