Do You Need Full Coverage on a Used Financed Car?

car insurance paperwork with car key

Financing a used car is a hassle-free experience when you choose to do your shopping at Alfa Romeo of Glendale near Los Angeles. Our team is here to guide you through the entire process, from search to signature.

A common question we hear at our dealership is, “Do you need full coverage on a used financed car?” Our team breaks down the basics of used car financing below to help simplify the process.

Used Car Financing

For drivers in most states, full coverage is not required for either new cars or used cars. However, finance lenders want to be sure they are making a good investment and will likely require full coverage regardless of whether your car is brand new or used.

When you decide to finance a new or used car, there are term agreements that set how many years you will be making payments to a lender before the title of the vehicle can be turned over to you. For example, if you obtain a loan on a used car for a term of 36 months, your lender will hold the vehicle’s title for those 36 months.

In most cases, full coverage insurance is contingent on the full term of the finance period. If you continue to use the example of a 36-month loan term, it would mean in that case, full coverage would be required for 36 months.

How Many Years Can You Finance a Used Car?

Before you can begin the process of applying for a loan, you will need to following documentation:

  • Valid Driver’s License
  • Valid Car Insurance Card
  • Any supporting financial documentation (i.e. last two pay stubs)
  • Any existing vehicle documentation for your current vehicle (if applicable)

When you’re paired with a lender, one of our finance experts will explain the offer the lender has provided to finance your used car. Your credit and down payment amount affects the duration of your financing period.

Experience Stress-Free Used Car Financing at Alfa Romeo of Glendale

Now that you know how to finance a used car and about the required coverage you will need, you can begin the car shopping process at Alfa Romeo of Glendale. Contact us today for more information or to set up a test drive.

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600 S Brand Blvd • Glendale, CA 91204

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Alfa Romeo of Glendale 34.139260, -118.254651.