You would take your time and ask a few questions to your dealer about the vehicle you are interested. They can probably tell you the insurance ratings and fuel efficiency of it. They can tell you a lot more about the cars but they are unlikely to know about auto insurance more than you.
Some companies may be able to arrange coverage for you until you take the vehicle home. Or they can deliver it for you with their dealer coverage. In many states, dealers aren’t allowed to let the car out of their lot without seeing policy documents. This may present a chance for them to slip their broker friends details. They love to get a cut from the commissions because they are there to make a living from selling.
If you are giving your old car as a part exchange all you may need to do is to call your insurer and change the details of the car on the policy. This would be a clean switch but many people don’t want to do part exchange because they don’t get a good deal for their old cars.
Quite a few companies are well aware of the situation. Some companies may offer automatic temporary coverage for your new vehicle. This would be a great solution for you and you can take your time to arrange alternative cover. You need to check that your insurer offer such provision for you. Otherwise, you could ask them to add the new vehicle on the policy and pay the additional premium.
At this time you should be clear for how long you want to add the new auto. You can add it permanently or for a few days. When you are considering selling your old one you may want to insure two cars until one is sold.
If this is your first car ever or for a while you will need to buy a new policy. The best is to look around to identify a competitive firm and get quotes for the type of car you are considering buying. This will give you plenty ideas as to the costs and companies. There is a possibility that you may find a particular model and maker is too expensive to insure and go for another model. This would be a smart decision and checking your options would pay off.
Alternatively, you can negotiate a deal with the dealership on the basis that they will keep the automobile one or two days until you sort out insurance and come back. Most of them wouldn’t have any issues with this arrangement. Also, most cars wouldn’t be ready to be driven straight away. There may be final checks or complimentary service or detailing to be done first. So, you should inquire the position before you get excited about arranging coverage.
Whatever you do, you shouldn’t feel pressured to buy a policy that is too expensive for you or generally not good. Although these things doesn’t take long to arrange they cannot be done in a hurry and without being fully satisfied with every aspects of a new policy.