Your policy does not extend to a car you are test-driving. The owner of that car is responsible for insuring it until they have signed over the title to you. The same applies if you are test-driving a car at the dealership. The dealership policy covers you until you finalize the deal.Suppose you already have an auto insurance policy. In that case, your contract has a clause that allows you to cover a newly purchased (acquired) automobile for as good coverage as you currently have on the policy. This does not apply to cars you are considering buying but have not yet purchased. If you have liability only, the car you just bought will have liability only until you put it on your policy. If you have full coverage on at least one car, your new purchase will be covered for full coverage until you add it to your policy and decide whether you want full coverage or basic. Don’t let the seller convince you to test drive a car without proof of insurance. Many accidents happen within a block of where a vehicle is parked.