How to Transfer Insurance to New Car

Here is how to transfer insurance to a new car in four easy steps: 1) call your insurance provider and alert them of the change, 2) take your old car off the policy, 3) provide the VIN for your new car, and 4) notify your insurer of any safety features and anti-theft devices on your new vehicle. Compare insurance quotes here to see how much it will cost you to transfer car insurance to a new vehicle.

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Tonya Sisler has a Bachelor’s Degree from the University of South Carolina in Journalism and has worked for 15+ years in management. She has also completed a proofreading certification and is currently a professional writer.

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Brad Larson has been in the insurance industry for more than a dozen years. He started out as a claims adjuster for a national carrier. He has since switched to the agency side of the business. Brad is licensed in all P&C lines.

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Reviewed by Brad Larsen
Licensed Auto Insurance Agent Brad Larsen

UPDATED: Dec 2, 2020

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Things to know...

  • If you replace your vehicle in the middle of an auto insurance policy, it’s possible to transfer coverage from the old car to the new one.
  • The most important thing to keep in mind is that you must notify the auto insurance provider about the new car – don’t expect them to provide coverage automatically.
  • The rates can change, and the nature of the price change will depend on the make and model of the new vehicle, its value, and other safety factors.

If you previously drove an older car and had dropped collision and comprehensive coverage on the vehicle, you might have to have these coverage options restored for the new car.
Most states require drivers to carry a specified level of auto insurance to drive legally on public roads. Therefore, if you finally manage to make the leap to get a new car, the first thing you should do is get the necessary auto insurance coverage.

If your new car is a replacement for an older one, you can simply transfer the insurance to the new car or just add to your existing coverage if you are planning on keeping both vehicles.When transferring auto insurance policy, you might have to get additional coverage.

In most cases, if a car is old and easier to replace, most people drop the extra coverage, collision and comprehensive, which makes a financial sense. However, if you upgrade to a brand new car, you will need to include these coverages.When shopping for these auto insurance products, compare quotes from other providers to get a good deal on your coverage.

Comparison shopping can also give you the information you need to bargain for better prices, and if your auto insurance provider doesn’t agree, you can always switch.

Learn more about insuring your new car below and make sure to use our free insurance comparison tool above!

Transferring Your Coverage to the New Car


The importance of having car insurance cannot be overstated. When you buy a new car, inform your auto insurance provider so that they can make the necessary changes to your policy. Make sure that the new vehicle is insured in the right way.

While your existing coverage can provide protection for a short time, you will have to update your policy sooner rather than later. Here are some of the steps you can take to make the process of transferring your auto insurance policy to a new car smoother:

– Call the Auto Insurance Provider

Let your insurer know that you will be replacing your vehicle soon. Keep them in the loop at different stages of the buying process; it helps not to surprise your insurer. Give the insurance company another call when you narrow down your choices for a new car.

Take the specific models and ask for estimates, getting the approximate cost of providing insurance for cars can even help you make a decision faster.

Auto insurance costs can vary greatly from one model to another. Take the time to compare quotes from other insurers too; you might find that they are offering better coverage at a lower price. That’s something many people would like to take advantage of.

A new car can be more expensive to insure since it has more value, in addition to all the other factors that make it pose a higher risk of an accident. New cars, depending on the specific model, are also higher targets for car thieves.

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– Alert the Agents on the Policy Change

You cannot have the same coverage you had on your 10-year old truck on your new vehicle. You will have to update your policy. Call the toll-free number on the back of your auto insurance card and if you are planning on changing your policy, let the insurer know.

If not, the coverage will be transferred as it is. If the only insurance you had on your old car was liability coverage, that’s all you’ll have on your new car. Not having the appropriate coverage can lead to massive losses.

– Inform Your Insurer about Taking A Car Off the Policy


There is no need to maintain any level of insurance on the old car if you are trading it in. Confirm what type of coverage you had on the old car and what you need on the new vehicle.

If you want to maintain the old coverage, that’s okay. However, it always a good idea to up the coverage level for a brand new car. It will not be automatic, there has to be some form of communication between you and your auto insurance provider.

– Provide VIN for the New Car

Check the pink slip for the new car’s VIN (Vehicle Identification Number). The vehicle identification number is a set of unique numbers and letters used to identify a car in an extensive database.

The VIN is also indicated on the car’s title. A car’s VIN is unique to that vehicle. The VIN is one of the vital details you need to transfer insurance from one car to another successfully. Make sure you provide it to your auto insurer.

– Notify the Insurer About Safety Features

If you have passenger restraint devices, anti-theft devices, anti-lock brakes, side airbags, et cetera, you may be entitled to certain discounts. Ask your agent about them to make sure that you are taking advantage of all of them. If you had waived collision and comprehensive coverage on the older car, make sure that you institute a full coverage on the new one.

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Shop Around for the Best Coverage

In most cases, the worth of a new car is high enough to demand a collision, comprehensive, and other important coverages. When looking to add these coverage options to your vehicle, look at what other providers are offering on the same. Compare as many quotes as you can. If you find that your current auto insurance company isn’t giving you the best deal, consider switching.

Comparison shopping gives you a chance to know what other auto insurance companies are offering regarding price and coverage level. In turn, you can use this information to negotiate for a better car insurance deal.

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