Can I Backdate Insurance to Cover my New Car from Purchase Date?

Question: I bought a new car and kept it several days at home because I knew that my current insurer insures it automatically for up to 30 days. Can I ask them to backdate the policy coverage from the date of my purchase? I don’t want to explain to DMV why it was not insured from the start, if they ask.

Answer: If your auto insurer is already providing coverage for the car automatically as part of your standard coverage there shouldn’t be problem to ask them start insuring your car backdated. The thing is that this coverage would only be available for certain days. After that you will need to include your new car in your existing policy or buy a separate coverage. If you are asking them to backdate the coverage and give you a proof of insurance you are asking them to start insuring your automobile properly. That would require premium payment whereas automatic coverage for a new car may be provided free or for a small premium until you make suitable arrangement.

It is highly advisable to check alternative quotes before asking your current insurer to insure your new auto. Rates would be different for each type of automobile and the competitiveness of your current insurer. There is a possibility that there is another company which can offer you cheaper premium.

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