How Can I Test Drive A Car Without Insurance? 
An auto dealership will most likely carry the insurance required to allow test drives . In the event of a loss/accident , the claim would fall back onto the insurance of the dealership . Consequently , if the insurance company is able to prove negligence on behalf of the driver , they may very well turn around and subrogate against the driver for the damages . As for personal auto policies , insurance will travel with the vehicle in most circumstances . If you are a private-seller it would be wise to check with your insurance agent prior to letting anyone drive your vehicle . The wording in auto policies can vary greatly from company to company and it is always best to err on the side of caution when dealing with insurance . 