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Your vehicle has to be insured before it can be released to you. You can use a policy you already have, or buy one during checkout.

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What your policy must satisfy

Requirements come from your state and, if you financed, your lender. You are shown the exact list for your situation. Coverage amounts — your state’s minimums for personal injury protection, property damage liability, and bodily injury liability, plus anything else your state mandates. Policy details: For example, a Florida buyer needs 10,000personalinjuryprotectionand10,000 personal injury protection and 10,000 property damage liability, because Florida is a no-fault state.
“Named insured must match exactly” catches people out. A policy in a spouse’s name, or with a maiden name, will fail verification. Get it corrected with your insurer before uploading.

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If you already have insurance

Add the new vehicle to your policy, then provide your policy details or upload proof. Your insurer can usually add a vehicle the same day and email you an updated card.

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If you need insurance

You can get quotes and buy a policy inside the flow, from embedded carriers. You do not have to leave, sort it out elsewhere, and come back.
This is genuinely easier than the alternative. Buyers who go away to arrange insurance separately are the ones whose deliveries slip.

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Verification

Your policy is checked against the requirements. If something does not match, you are told exactly what, so you can fix that one thing rather than guessing. Common failures:
  • The name does not match exactly
  • The new vehicle is not on the policy yet
  • Coverage is below your state’s minimum
  • The policy expires too soon
  • The insurer is not licensed in your registration state

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Financing means stricter requirements

If you financed, your lender has its own requirements, usually including comprehensive and collision coverage, on top of your state’s minimums. Those are shown to you as well.
Your vehicle cannot be delivered or collected until insurance is verified. If your delivery date is close, deal with this first.