New car? Here’s what to do before you drive off

Buying a car is exciting, whether it’s brand new from the dealership or simply new to you. But before you pull out of the lot, there are a few important steps that can help you be prepared and ready for the road ahead. Here is a practical checklist for Ohio drivers to review before driving off in a new vehicle.

1. Update or purchase your auto insurance

Do not assume your current auto insurance automatically covers your new vehicle. Some policies may provide temporary coverage for a newly acquired car, but the details and time limits can vary by insurer and policy.

Before you drive away, contact your insurer or review your policy to confirm:

• The new vehicle has been added to your policy.
• The vehicle identification number (VIN) and other vehicle details are correct.
• Your coverage limits and deductibles still fit your needs.
• You have the coverage required by your lender or lease agreement (if applicable).
• You can access proof of insurance.

Ohio drivers are required to show financial responsibility, typically through auto insurance. Having your policy updated before you leave the dealership can help you avoid a coverage gap.

2. Review the purchase paperwork

Before signing the final documents, take time to look through the paperwork carefully. Whether you are buying from a dealership or a private seller, make sure the important details match the vehicle you are purchasing.

Check the following:

• Your name and address
• The vehicle’s make, model, year and Vehicle Identification Number (VIN)
• The agreed purchase price
• Any trade-in value or down payment
• Financing or lease terms
• Warranty details
• Information on dealer-installed accessories or add-ons

If you have questions about a charge, feature or document, ask before you sign. It is often easier to get clarity while you are still at the dealership.

3. Understand your registration and title next steps

Your dealer may handle some title and registration steps for you, especially when purchasing a new vehicle. If you are buying from a private seller, you may have more to do yourself.

Before leaving, confirm:

• Whether you will receive temporary tags
• When permanent license plates and registration will be available
• What title paperwork you need to keep
• Whether there are any documents you need to take to the Ohio Bureau of Motor Vehicles
• Who is responsible for submitting title and registration documents

Keep every document from the sale in a safe place. You may need them for registration, financing, taxes or future insurance updates.

4. Inspect the vehicle before accepting it

Even when a car is new, it is smart to do a quick walk-around before you leave. Look over the outside and inside of the vehicle and make sure everything is in the condition you expect.

Check for:

• Scratches, dents or paint damage
• Damage to wheels, tires, mirrors, lights or windows
• Missing accessories, keys, manuals or charging equipment
• Dashboard warning lights
• Features you expected but do not see
• Accurate mileage on the odometer

If you notice anything concerning, take photos and notify the seller or dealership right away. Ask the seller to document any issues in writing.

5. Save your important documents

Once you are home, store your documents somewhere secure and easy to find. Consider keeping digital copies of important records, too.

Your file should include:

• Auto insurance information
• Purchase agreement and sales receipt
• Title and registration documents
• Financing or lease paperwork
• Warranty information
• Service records
• Contact details for the dealer or seller

It can also help to set reminders for routine maintenance, insurance renewals and future registration deadlines.

Start your next drive with confidence

A new car is a big purchase, and a little preparation can make your first drive go more smoothly. Confirming your auto insurance, reviewing your paperwork and thoroughly inspecting the vehicle can help you confidently focus on the best part: enjoying the road ahead.

Need to update your coverage for a new vehicle? East Street Insurance can help you explore auto insurance options built around your needs. Call us at 833-327-8787 to update your policy or get started with us today.

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