Should a new car be licensed or insured first?
2 Answers
New cars should be insured before being licensed. Here are the precautions when purchasing insurance for a new car: Choose the purchase channel wisely: Consumers should choose insurance companies and agents with good reputations, not only clarifying whether the sales organization has legal qualifications but also understanding the services provided by each company and their reputation. Read the terms carefully: When purchasing auto insurance, carefully read the insurance clauses, especially the exemption clauses. Consumers should also inquire whether the purchased insurance clauses have been approved by the Insurance Regulatory Commission and thoroughly understand the content of the clauses, focusing on the insurance liability. Understand the cost calculation: Consumers should pay attention to whether the rate is consistent with that approved by the Insurance Regulatory Commission, understand the insurance company's rate discount regulations and no-claims bonus provisions, and be clear about the calculation of the compensation amount.
I also struggled with this when I first bought my new car, but later realized that insurance must be purchased before getting the license plate! After getting your new car, don’t rush to drive it to register—if an accident happens on the road without insurance, you’ll be stuck paying out of pocket. Compulsory traffic insurance is a mandatory document for license plate registration, and the DMV will check it before processing. Last time I went to get my plate, I saw someone who forgot their insurance and had to make a wasted trip. Luckily, you can quickly arrange the policy at the dealership or via a mobile app right after picking up the car, then bring the invoice and ID to the DMV for registration—the process is seamless and hassle-free. I recommend getting full coverage, including third-party liability insurance, on the first day with your new car for extra security in case of any scrapes or dings. This sequence isn’t just about following rules—it ensures peace of mind while driving and enjoying your new ride, so don’t take it lightly. In short: insurance first, license plate next—saves time and keeps you safe.
