Do You Need Full Coverage on a Used Financed Car?

Man taking keys from saleswoman after purchasing new car

Financing a vehicle purchase doesn’t have to be scary process. Here at Butler Auto Group, we try to make the entire car purchasing process as quick and as streamlined as possible. Those searching for pre-owned vehicles often have one big question on their mind when they come to visit: “Do you need full coverage on a used financed car?In most cases, your lender will require you to have full coverage on your vehicle for as long as they hold the title.

How to Finance a Used Car: Facts on Full Coverage

Legally speaking, neither Georgia nor South Carolina requires you to have full coverage insurance on your vehicle. However, if you opt to finance your vehicle, your lender may ask you to purchase full coverage. After all, they’re making a big investment when they lend to you, and most want to make sure that they’re protected if something goes wrong. This is all true whether you’re financing a used car or purchasing a brand new vehicle.

Of course, your lender will probably only require full coverage for the period within which they hold the title to your vehicle. When you’re financing a used car with the Butler Auto Group, we’ll work together to help you find an appropriate loan term. Bigger down payments and monthly payments will reduce the amount of time that you’re required to have full coverage on a used car.

Are you thinking about buying a financed used vehicle from a private seller? Find out what to expect, and what pitfalls to avoid, during the title transfer process.

How Many Years Can You Finance a Used Car?

Finding a loan term that works for you is one of the most important steps to complete when you’re financing a used vehicle or purchasing a new car. Different lenders will offer different loan terms, and most will want to see the following documents before they make a plan for your purchase:

  • 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)

Once you’re paired with a lender, an expert on our finance team will work with you to figure out how many years you can finance a used car for. Remember, the longer the loan term, the more you’ll pay in interest over time.

Let the Butler Auto Group Walk You Through It!

Here at the Butler Auto Group, we’re happy to help with all of your automotive finance questions. To continue your research, find out how to get a car loan with no credit or how to buy out your lease today. We can also teach you how to improve your credit before you buy and help you discover the cost of liability insurance today!

Your local Butler dealership offers tons of benefits, so buying a used car with us is even more advantageous than you might expect! If you’re ready to move forward with your purchase, contact our team to apply for financing today.

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Butler Auto Group
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