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In order to be able to drive a vehicle at all in Canada, you have to have insurance. However, you don’t necessarily have to go out and buy your own insurance. If you are young, you can be added as a secondary driver on your parent’s insurance policy if you are allowed to drive their vehicle. It is only when you are purchasing a vehicle of your own that you have to go out and purchase your own car insurance. It does not take long to set up an insurance plan, you should be able to set up an insurance policy over the phone when you purchase a vehicle. However, you will also have to make sure that you register the vehicle at your local service center before you drive it.

Do You Have To Have Car Insurance To Buy A Car?

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The answer to this question really depends. If you are asking if you can drive the vehicle, you definitely can’t without having insurance from your insurance company. However, if you just want to purchase a vehicle, it is likely that you will be able to. You should have no problems purchasing a used car from someone else, where you might run into problems is when you try to buy from a dealership. A dealership might let you buy a car if you have the cash and no insurance. However, in all likelihood, you are going to need to finance the vehicle. When this is the case, your lender will likely request to see proof of insurance before you can drive the vehicle off of the lot.

Can You Drive A Car Without A License Plate?

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No, unfortunately, you cannot drive a car without a license plate. In fact, depending on where you live in Canada, you might legally have to have more than one license plate on your vehicle. There is a very large fine for driving without a license plate so that is probably something you should try to avoid. This only really ever becomes an issue when you are purchasing a vehicle. This is because you will need to get to the car registry office to get new plates. To solve this issue, you could get the dealership to drop you off or get someone else to drive you there. You could even ask the dealership to bring the car there for you. Just make sure that you don’t drive there in the car without plates. It is not worth it, even though that would be more convenient.

How Do You Get Car Insurance For The First Time?

Your first step to getting car insurance is to shop around. You could use an insurance broker who does the shopping for you, or you could look for your own policy. Using a broker is much faster, however, you will likely be charged some kind of a broker fee. It is a good idea to get quotes from multiple insurance companies in order to get the best deal possible. The next thing to do is call the company that gave you the lowest quote. You will then have to decide if you want comprehensive and collision coverage. These coverages will give you money if you make a claim when your vehicle becomes damaged in an accident. The final thing you will have to decide is the amount of liability you want. Once you decide on these things, you should be able to set up your policy.

Can I Drive A Car Without Insurance If I Just Bought It?

You are never allowed to drive a car if you do not have insurance coverage. However, if you already have your own policy, you may be covered. Some policies allow you to drive a new vehicle without calling your insurance company. Many insurance companies will provide a grace period that allows you to have coverage on new vehicles that your purchase. However, if you are even thinking about getting a new vehicle it is always best to talk to your insurance provider. They will be able to give you a rough estimate of how much your insurance will cost and they can even set a quote aside for you to make it faster to set up a policy if you happen to purchase the vehicle.

Do You Need Insurance To Buy A Car?

In almost all cases, you technically do not need insurance to buy a new car. However, if you buy a car from a dealership, you can definitely expect that they will want proof of insurance. They will likely ask you this before you drive the car off of the lot. If you know you won’t be driving the car for a while, you might be able to have the car delivered to your location. However, not all dealerships do deliveries. You will definitely need to check into that beforehand to find out for certain.

How Soon After Buying A Car Do You Need Insurance?


There isn’t a particular amount of time that you need to purchase insurance coverage for a vehicle after you pick it up. The sooner you do purchase insurance coverage, though, the sooner you can drive the vehicle. If you never plan to drive the vehicle at all, you may never need to purchase coverage for it at all. It really doesn’t take very long to pick up an insurance policy, so you shouldn’t worry too much about it. You definitely don’t have to worry about running out of time to insure the vehicle, you can do that whenever you want to.

To Conclude

There is no perfect time to pick up a car insurance policy. Sometimes you might have to add car insurance to your policy unexpectedly. Such as when you need someone else to drive your vehicle. No matter the case or the time of day, the most important thing is to make sure that you are never caught driving without insurance coverage. It can come back to haunt both your auto insurance premium as well as your wallet. Whenever you have any questions regarding your insurance policy it is best to contact your insurer directly. As long as you do that and make sure your policy doesn’t expire on you, you should be safe to drive.

About the Author: Ashley Miller

Ashley is an insurance content professional and very knowledgeable on all related subjects. Ashley has over 12 years of insurance content writing experience working with various insurance companies throughout her career.