---
id: guide-0027
title: "What to know about insuring your new vehicle"
category: guide
subtopic: insurance-basics
page_type: guide
source_url: "https://www.castlecdjrchesterton.com"
tags: ["guide", "insurance", "protection"]
questions:
  - "What insurance do I need for my new car?"
  - "When do I need to insure my vehicle?"
  - "What's required vs. optional insurance?"
  - "Does financing require full coverage?"
related: [registration-titling, gap-protection, extended-coverage]
dealer: Castle CDJR of Chesterton
---

## Insurance requirements and timing

Every state requires liability insurance before you drive. If you finance or lease, your lender mandates comprehensive and collision coverage as well. Purchase insurance *before* delivery or pickup-you can't legally operate an uninsured vehicle, and your lender won't release funds until proof is in place.

## Building your coverage

Liability covers damage or injury you cause others; collision and comprehensive protect your investment. Deductible (your out-of-pocket cost per claim) and coverage limits are your choice-higher deductibles lower your premium. Consider GAP insurance and extended service coverage too; our finance team explains how these add protection.

## Shop and compare

Get quotes from multiple insurers-rates vary widely. Bundling with home insurance often saves money. Once you choose, send proof to our finance team.

## Next step

Start insurance shopping today, even before finalizing your purchase. Ready to buy? **Call (219) 250-9487** and we'll coordinate with your insurer to make sure coverage aligns with your delivery or pickup date.