How to test drive a car

What do you need for a test drive?

You need a valid driver's license to test drive a car. Dealers and private sellers also may request proof of insurance.

At a dealership, you can typically test drive a car without proof of insurance because dealers have their own policies that cover prospective buyers. However, some dealerships do ask for proof, especially if you're taking the car for an extended test drive. You may also be asked to sign a waiver or have a salesperson ride with you during the test drive.

When test driving with a private party, their personal auto policy typically covers the vehicle. But because any accident could affect their policy and premium, many sellers ask for your proof of insurance before allowing you to test drive the car. For further protection, they may also ride along or limit how long you take the car out.

Can you test drive a car without insurance?

If you're at a dealership, yes, you can test drive a car without insurance because the dealer's insurance usually covers prospective buyers. However, if you're involved in an accident and the cost of damage or injuries exceeds the dealer's coverage limits, you could be held responsible for those costs.

For private sales, it's less common to be allowed to test drive a car without your own proof of insurance. On the other hand, it's a good idea as the prospective buyer and test driver to confirm that the seller has auto insurance before driving their car. Consider asking for a signed statement confirming:

• You have permission to drive the car
• The vehicle you want to purchase is insured
• You're not responsible for the car insurance deductible in the event of an accident

Whose insurance covers a test drive for a private sale?

If you test drive a car that's privately owned, the seller's auto insurance generally covers damage to the car as long as you have their permission to drive it. That means their policy may cover the costs if you're involved in an accident.

Do you need insurance for an extended test drive?

Some dealerships allow overnight or full-day test drives. If you're taking advantage of an extended test drive, it's likely that the dealership will require your proof of insurance. The dealership's coverage may still apply, but your coverage adds another layer of protection for both parties.