Do I need insurance before I drive a new car off the lot?

Yes. Nearly every state requires liability insurance to drive, and lenders and leasing companies require full coverage, so dealers typically ask for proof of insurance before you take delivery. If you already have a policy, your insurer may extend coverage to a newly acquired vehicle for a short grace period, but rules vary, so call them before you buy. Have the VIN ready so your insurer can add the exact vehicle and send proof of coverage.