---
id: guide-0028
title: "What should I know about insuring a new vehicle?"
category: guide
subtopic: guide-insurance-basics
page_type: guide
source_url: "https://www.castlechevymchenry.com"
tags: ["insurance", "guide", "ownership", "new-vehicle"]
questions:
  - "Do I need insurance before driving off the lot?"
  - "What type of coverage should I get?"
  - "How does insurance work with financing?"
  - "Will the dealer help me with insurance?"
related: [financing-basics, gap-protection, registration-titling]
dealer: Castle Chevrolet McHenry
---

# Understanding Vehicle Insurance

Insurance is non-negotiable: you need it before driving off the lot, and lenders require it for financed vehicles. Understanding your options helps you get the right protection at the right price.

## Coverage Basics

**Liability** (legally required in Illinois) covers damage you cause to others. **Comprehensive** and **Collision** protect your own vehicle-especially important if you're financing. **Uninsured/underinsured motorist** covers you if hit by an uninsured driver. Your lender will specify minimum coverage requirements.

## Next Steps

Before finalizing your purchase, contact an insurance agent or broker with your new vehicle's VIN and details. Get a quote and proof of insurance ready for delivery day. Castle Chevrolet McHenry's finance team can advise on what your lender requires, and our team is happy to answer questions about your new vehicle's specs that insurers might ask.

**When you're ready to buy:** call **(779) 600-2956** to discuss vehicle details with our team, and coordinate insurance timing.