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Overview

Street-legal vehicles always require insurance coverage to drive on public roads, while certain vehicle types like OHVs (Off-Highway Vehicles) do not. All states require insurance to drive vehicles on public roads, but not all states require proof of insurance before completing a purchase. You can either purchase a new insurance policy through Ekho’s recommended carriers or use your existing insurance policy if it meets all requirements. If insurance proof is required for your purchase, your insurance must meet state minimums and lender requirements (if financing) before you can complete your purchase.

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How It Works

Start by reviewing your insurance requirements to understand what coverage you need and whether proof is required for your purchase. Then check if you have existing insurance that meets those requirements and that your new vehicle is listed on the policy. If your existing policy meets requirements, skip ahead to validate your insurance. If not, or if you don’t have existing insurance, purchase a new policy through Ekho’s recommended carriers. Once you have insurance that meets all requirements (whether existing or newly purchased), validate your insurance to complete your purchase.

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Review Requirements

Review all the requirements your insurance policy must meet, including whether proof is required for your purchase.
1

Understand Your Requirements

You’ll see a comprehensive list of what your insurance policy must include, organized into categories.State Requirements:Coverage Amounts You Need:
  • Personal Injury Protection (PIP): State-specific minimum
  • Property Damage Liability (PDL): State-specific minimum
  • Bodily Injury Liability: State-specific minimum (if required)
  • Other state-mandated coverage types
Policy Details:
  • Insurance company must be licensed in your registration state
  • Out-of-state insurance policies may not be accepted
  • Policy start date must be before your delivery date
  • Policy expiry date must be at least 90 days after delivery
  • Named insured must match your name exactly
Example for Florida:
  • $10,000 in Personal Injury Protection (PIP)
  • $10,000 in Property Damage Liability (PDL)
  • Florida is a no-fault state
  • Penalties apply for driving without insurance
Lender Requirements (If Financing):VERY IMPORTANT - If you’re financing your vehicle:
  • VIN Required: Vehicle Identification Number must be listed on the policy
  • Lienholder Listed: Your lender must be named as lienholder or loss payee
  • Higher Coverage: Lenders often require coverage amounts higher than state minimums
  • Comprehensive & Collision: Full coverage typically required, not just liability
  • GAP Insurance: May be required depending on your loan terms
  • Proof Type: Specific document types required (declarations page, certificate)
You understand the minimum coverage amounts and policy requirements for your situation.
2

Determine If Proof Is Required

Check whether insurance proof is required for your purchase or if it’s optional.When Insurance Proof Is OptionalIf your state and financing situation don’t require proof of insurance at the time of purchase, you’ll see the option to purchase or verify existing insurance as optional.What This Means:
  • Insurance proof is not required to complete your purchase
  • You can continue without validating insurance and add it before delivery
  • Important: All states require insurance to drive vehicles on public roads, but not all states require proof before purchase
  • If you’re purchasing a street-legal vehicle, you will always need insurance to legally operate it, even if proof isn’t required for purchase
  • Certain vehicle types like OHVs do not require insurance
Why you should purchase insurance through Ekho for street-legal vehicles:
  • Street-legal vehicles always require insurance to operate legally
  • Complete the process in just a few minutes
  • Choose from national providers with policies specific to your vehicle manufacturer
  • Get coverage that meets all requirements upfront
  • If your current insurance does not have the coverage necessary for the vehicle, purchasing a new policy ensures you meet all requirements
When Insurance Proof Is RequiredIf you’re financing or your state requires insurance proof for registration, you must either purchase a new policy or validate your existing coverage.What This Means:
  • You cannot complete your purchase without providing proof of insurance
  • You must either purchase a new policy or verify your existing policy meets requirements
  • Your insurance must meet state minimums and lender requirements (if financing)
What You’ll See:
  • “Purchase a New Policy” as the primary recommended option
  • Carriers confirmed to offer policies for your specific vehicle
  • Examples: Progressive, Allstate, State Farm
  • Quick purchase process (just a few minutes)
You know whether insurance proof is required for your purchase.
The list of carriers shown are confirmed to offer coverage for your specific vehicle model.Access Requirements Anytime:Throughout your order, you can click “View insurance requirements” to open a detailed modal showing:
  • Requirements Tab: Complete list of all state requirements, policy requirements, lender requirements (if financing), and your current insurance status
  • Carriers Tab: Full list of recommended carriers, carrier websites and quote links, and vehicle information for reference
Access this modal from the insurance section of your order, your order status hub, or during proof of insurance upload. This lets you reference requirements while getting quotes or purchasing your policy.

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Check Existing Insurance

After reviewing your insurance requirements, check whether your existing insurance policy can meet all those requirements. Use the decision guide below to determine your next step. When to Purchase New Insurance You likely need new insurance if:
  • No existing auto insurance policy
  • Only liability coverage (and financing)
  • Coverage below lender requirements
  • Carrier not in your registration state
  • Carrier doesn’t cover your vehicle type
Next step: Continue with Get Insurance to purchase a new policy, then Validate Your Insurance to verify it. When to Use Existing Insurance Your policy likely meets requirements if:
  • Active auto insurance with comprehensive and collision coverage
  • Coverage amounts meet or exceed state and lender requirements
  • Carrier licensed in your registration state
  • Can add new vehicle and lienholder (if financing)
Next step: Continue with Validate Your Insurance to verify your existing policy.
1

Check Your Current Policy

If you have an existing vehicle insurance policy, review your policy documents (declarations page, insurance card, or certificate) against the requirements you reviewed in the Review Requirements section above.
You’ve compared your current policy against all requirements and determined whether it can meet them.
Even if your existing policy meets requirements, you’ll need to add your new vehicle and lender (if financing) to the policy before you can use it. See the Complete Full Validation section for details on what to contact your carrier about before providing proof.

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Get Insurance

If you don’t have existing insurance that meets requirements, purchase a new insurance policy through one of Ekho’s recommended carriers. Find carriers that offer coverage for your specific vehicle, get quotes, and purchase a policy that meets all state and lender requirements.

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Find Carriers

View the list of carriers that offer policies for your specific vehicle. Carrier Information: Each carrier card shows:
  • Carrier Name: The insurance company (e.g., Progressive)
  • Website Link: Visit the carrier’s main website
  • Find an Agent: Link to locate a local agent (if available)
  • Generate Quote Button: Start an online quote (if available)
1

Review Available Carriers

See which carriers offer policies for your vehicle. The list shows companies confirmed to provide coverage for your vehicle type.
You see multiple carrier options to choose from.
2

Check Vehicle Details

Expand the vehicle information section at the bottom of the page. You’ll need these details when getting quotes:
  • Make and model
  • Year
  • VIN
  • Vehicle type
  • Other specifications
You have your vehicle information ready to reference.
Some carriers may only offer policies in certain states. Contact the carrier directly to confirm they operate in your registration state and cover your vehicle type.

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Get Quotes

Visit carrier websites to get insurance quotes. Use the vehicle details from Ekho and reference the requirements from the Review Requirements section to ensure your quote meets all coverage needs. What to provide when getting quotes:
  • Vehicle details (make, model, year, VIN)
  • Coverage amounts that meet or exceed state and lender requirements
  • Lender information (if financing) to add as lienholder
  • Expected delivery date (policy must start before delivery and expire at least 90 days after)
Get quotes from multiple carriers to compare rates and coverage. Prices can vary significantly between companies for the same coverage.

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Purchase Policy

Complete your insurance purchase with your chosen carrier.
1

Verify Requirements Are Met

Before finalizing, confirm your policy includes everything required:
  • ✓ Coverage amounts meet or exceed state minimums
  • ✓ Coverage amounts meet or exceed lender requirements (if financing)
  • ✓ VIN is listed on the policy
  • ✓ Lender is listed as lienholder (if financing)
  • ✓ Named insured matches your name exactly
  • ✓ Policy start date is before your expected delivery date
  • ✓ Policy expiry date is at least 90 days after your expected delivery date
  • ✓ Carrier is licensed in your registration state
All requirements are satisfied by this policy.
2

Complete Purchase

Follow the carrier’s checkout process:
  • Review final policy details
  • Select payment plan (monthly or annual)
  • Provide payment information
  • Review and accept policy terms
Payment is processed and policy is active.
3

Receive Policy Documents

The carrier sends you policy documents via email or through their portal. The declarations page is the most common proof document and typically meets all requirements.
You’ve received and can access your policy documents.

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Validate Your Insurance

Validate your insurance policy to complete your vehicle purchase. Whether you’re using existing insurance or a newly purchased policy, you’ll need to verify that your coverage meets all state and lender requirements. Connect your insurance account for automatic verification, or upload your insurance documents for review. The system checks that your policy meets all requirements before you can complete your purchase.
If you just purchased new insurance: After purchasing your policy, locate your proof document from your carrier (typically emailed immediately or available in their online portal). Return to your order in the Ekho Buyer Portal and continue below to validate your insurance.

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Determine Validation Level

Determine what level of validation is needed for your insurance proof.
1

Check Your Requirements

Review whether your situation requires basic information or full validation.When Basic Information Is Required:In some cases, the system only needs basic details about your insurance without full validation.When This Applies:
  • Your state doesn’t require proof of insurance at the time of purchase
  • You’re requesting a temporary tag (insurance details needed for tag application)
  • The system needs basic information for record-keeping, but full validation will happen later
What You’ll Do:
  • Select “Provide basic insurance details” on the choice page
  • Fill out a simple form with carrier name, policy number, and dates
  • No document upload required
  • No validation process
When Full Validation Is Required:If you’re financing or your state requires proof of insurance, you must validate that your insurance policy meets all requirements.What You’ll Do:
  • Select “Validate insurance” on the choice page
  • Review all state and lender requirements
  • Connect your insurance account for automatic verification, OR upload documents manually
  • Wait for validation confirmation
Important: If you’re using existing insurance, you must contact your carrier BEFORE validation to add your new vehicle and lender (if financing). See the Complete Full Validation section below for details. If you just purchased new insurance, your policy should already include these details.
You understand what level of validation is required for your situation.

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Complete Basic Validation

If basic information is required, provide simple details about your insurance policy.
1

View Basic Details Option

You’ll see “Provide basic insurance details” on the choice page.What This Means:
  • You’ll enter basic information like carrier name and policy number
  • No document upload required
  • No validation process
You understand you only need to provide basic information.
2

Select Provide Details

Click “Continue” to enter your basic insurance information.
You move to the basic information form.
3

Fill Required Fields

Enter the basic information requested. Fields may include:
  • Policy name or description
  • Insurance carrier name
  • Policy ID or number
  • Effective date
  • Expiry date
  • Agent/broker name
The exact fields depend on your state requirements.
All required fields are completed.
4

Confirm and Continue

Read the confirmation that your information is accurate, then click “Save and continue.”
Basic insurance information is saved and you proceed to the next section.
No documents are required for basic information. This is just for record-keeping purposes.

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Complete Full Validation

If full validation is required, follow these steps to verify your insurance meets all requirements.
1

Review Requirements

Before validating your insurance, review exactly what your policy needs to include. Reference the requirements you identified in the Review Requirements section above.
Important: If you’re using existing insurance, you must contact your insurance carrier BEFORE attempting validation to:
  • Add your new vehicle to the policy
  • Add your lender as lienholder (if financing)
  • Ensure coverage amounts meet requirements
  • Request an updated declarations page showing these changes
If you just purchased new insurance, your policy should already include these details.
You understand what your policy needs to include based on the requirements you reviewed earlier.
2

Contact Your Carrier (If Needed)

If you’re using existing insurance and need to add the vehicle or lienholder, contact your insurance company now to update your policy before continuing.
Your policy has been updated and includes the new vehicle and lienholder (if required), or you’ve confirmed your newly purchased policy already includes these details.
3

Choose Verification Method

Choose how you’ll verify your insurance meets requirements.Option 1: Automatic Verification (Recommended)Connect your insurance account for instant verification. The fastest way to verify your insurance is by logging into your insurance carrier’s account. The system checks your policy details automatically and confirms they meet all requirements.Option 2: Manual Document UploadProvide your insurance policy details and documents for review. Use this option if:
  • Automatic verification failed and showed specific issues
  • You prefer to upload documents instead of connecting your account
  • Your carrier isn’t supported for automatic verification
You’ve chosen your verification method.
4

Complete Automatic Verification (If Chosen)

If you chose automatic verification:
  1. Click “Connect your insurance account” or “Log into my account”
  2. Select your insurance carrier from the list
  3. Enter your carrier account username and password
  4. Wait for verification (may take up to a minute)
What’s Being Checked:
  • Accuracy of vehicle details
  • Required minimum levels of coverage
  • Status of the policy (active/expired)
  • Insurance carrier is licensed to operate in your state
If Verification Succeeds:You’ll see “Success!” with checkmarks for all verified requirements. Click “Continue” to proceed to the next section of your order. Your insurance is verified and you can continue your purchase.If Verification Fails:The system may find issues with your policy:
  • Policy not active or expired
  • Coverage amounts below requirements
  • VIN not listed on policy
  • Lienholder not added to policy
  • Vehicle not found on policy
  • Coverage type missing (comprehensive, collision, etc.)
You’ll see a message explaining “We couldn’t verify your insurance” with a list of specific issues. Review the issues and proceed to manual document upload instead.
Automatic verification is complete (succeeded or failed, in which case you’ll proceed to manual upload).
5

Enter Policy Information

Fill out the required fields:
  • Insurance carrier name: Your insurance company (e.g., Progressive, Allstate)
  • Policy type: Auto (select from dropdown)
  • Effective date: When your policy started or will start
  • Expiry date: When your policy expires
  • Policy number: Your unique policy number from your insurance card
  • Agent/broker name: Your insurance agent’s name (optional)
Check the box: “Is the VIN listed on this policy?” You must check this box to proceed. If your VIN isn’t on your policy yet, contact your carrier to add it before continuing.
All policy information fields are completed.
6

Prepare Your Documents

Make sure your documents clearly show:
  • Your name as the insured
  • The new vehicle’s VIN
  • Coverage amounts
  • Your lender as lienholder (if financing)
  • Policy effective and expiry dates
What Documents to Upload:The declarations page is preferred and typically meets all requirements. Other acceptable documents include:
  • Certificate of insurance
  • Insurance binder
  • Verification of insurance (VOI)
If You’re Financing:You may need to upload two documents:
  1. Your insurance document (declarations page preferred)
  2. A lender document (if required) clearly showing your lender as lienholder
Your documents are ready and show all required information.
7

Upload Documents

  1. Click “Upload insurance document” and select your file (PDF preferred, or PNG, JPEG, JPG images)
  2. If financing and a second upload appears, upload the lender document
  3. Click “View insurance requirements” at any time to see what the Ekho team will be checking
Your documents are uploaded.
8

Submit for Review

  1. Read the disclaimer confirming your information is accurate
  2. Click “Save and continue” to submit your insurance for review
Your insurance documents are submitted to the Ekho team for validation.
9

Wait for Validation

After submitting (whether through automatic verification or manual upload), wait for validation.Timeline:
  • Automatic verification: Instant to about 1 minute
  • Manual review: Typically takes 1-2 business days
  • You’ll receive an email when validation is complete
  • Check your order status for updates
You’ve submitted your insurance and are waiting for validation.
10

Check Validation Results

If Your Insurance Is Approved:You’ll see: “We have validated that your [Carrier Name] insurance meets the requirements listed below” with a green success indicator. You can now proceed with your vehicle purchase.If Issues Are Found:You’ll receive an email explaining specific issues. Common issues include:
  • VIN not visible or clear on the document
  • Lienholder not shown on the policy
  • Coverage amounts unclear or insufficient
  • Document is illegible or poor quality
  • Wrong document type uploaded
  • Policy expired or dates don’t cover delivery
To Fix Issues:
  1. Read the email carefully to understand what needs to be fixed
  2. Contact your insurance carrier to address the issues
  3. Obtain new or corrected documents from your carrier
  4. Re-upload through the Ekho portal
  5. Wait for the team to re-review
You may see an action item in your portal to re-upload insurance when issues are found.
You’ve checked your validation results and taken action if needed.

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Track Your Status

View your insurance status throughout your order. Access Your Status:
  • Insurance section of your order progress
  • Order status hub
  • Email notifications for status changes
Status Indicators: Not Uploaded:
  • Yellow alert: “Awaiting upload of proof of valid insurance for your vehicle”
  • Action needed: Complete insurance verification or upload
Uploaded, Not Validated:
  • Blue alert: “Thank you for uploading your insurance. The team is currently verifying…”
  • Action needed: Wait for team review
Validated:
  • Green checkmark: “We have validated that your [Carrier] insurance meets the requirements”
  • Action needed: None, continue with order
Blocked:
  • Yellow alert with explanation of why you can’t proceed yet
  • Common reasons:
    • Waiting for VIN assignment
    • Need to accept financing offer first
  • Action needed: Wait for notification when unblocked

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Troubleshooting & FAQ

Insurance requirements depend on your vehicle type and situation:
  • Street-legal vehicles: All states require insurance to drive vehicles on public roads
  • If financing: Your lender requires proof of insurance to protect their investment
  • For registration: State law requires insurance to register street-legal vehicles
  • Certain vehicle types: OHVs and similar non-street-legal vehicles do not require insurance
Important: All states require insurance to drive street-legal vehicles on public roads, but not all states require proof of insurance before completing a purchase. Even if proof isn’t required for purchase, you will always need insurance to legally operate a street-legal vehicle.
This depends on your vehicle type and state requirements:
  • Street-legal vehicles: All states require insurance to drive on public roads, but not all states require proof before purchase. If proof isn’t required for purchase, you can obtain insurance before delivery
  • Certain vehicle types: OHVs and similar non-street-legal vehicles do not require insurance
  • If proof is required: You must validate your insurance before you can complete your purchase
Your insurance choice page will indicate whether insurance proof is optional or required for purchase. Remember: even if proof is optional, you will still need insurance to legally operate a street-legal vehicle.
Choose based on:
  • Price: Get quotes from multiple carriers to compare rates
  • Coverage: Ensure they offer the coverage types you need
  • State availability: Confirm they’re licensed in your registration state
  • Vehicle coverage: Verify they insure your specific vehicle type
  • Customer service: Read reviews and check their reputation
All carriers shown are confirmed to offer policies for your vehicle, but prices and service vary.
The carriers shown are recommended options, but you’re not limited to them:
  • Contact other carriers you’re familiar with
  • Ask if they provide coverage for your specific vehicle
  • Ensure any carrier you choose is licensed in your registration state
  • Verify they can meet all the requirements shown in Ekho
You can use any carrier as long as they meet all requirements.
If your VIN hasn’t been assigned:
  • You may see a message that you need to wait for VIN assignment
  • Some carriers allow you to get quotes without a VIN
  • You must have the VIN added to your policy before attempting to validate insurance
  • Don’t finalize your insurance purchase until you have the VIN
Wait for Ekho to notify you when your VIN is assigned. The VIN must be included on your policy before you can validate your insurance.
Buy enough to meet all requirements:
  • State minimums: The bare minimum required by law
  • Lender requirements: Often higher than state minimums if financing
  • Personal protection: Consider higher limits for additional protection
If financing, your lender’s requirements will typically exceed state minimums. Always meet the higher amount.
  • Liability: Covers damage you cause to others (required by most states)
  • Comprehensive: Covers damage to your vehicle from non-collision events (theft, weather, etc.)
  • Collision: Covers damage to your vehicle from accidents
Full coverage = Liability + Comprehensive + Collision. If you’re financing, you’ll typically need full coverage.
Your policy should:
  • Start before your delivery date
  • Expire at least 90 days after your delivery date
  • Not have gaps in coverage
  • Be active when you take possession of the vehicle
Purchase close to your expected delivery date, but not so close that you risk delays. Contact your carrier about adjusting dates if your delivery changes.
Lienholder and loss payee are terms for your lender when you’re financing a vehicle. They mean essentially the same thing—your lender has a financial interest in the vehicle until you pay off the loan.Lienholder: The entity that holds a lien (legal claim) on your vehicle until the loan is paid off.Loss payee: The entity that receives insurance payments if your vehicle is damaged or totaled.If you’re financing, your lender must be listed on your insurance policy (as either lienholder or loss payee) so:
  • They’re notified if you cancel coverage
  • They receive payment if the vehicle is totaled
  • They’re protected if damage occurs
Provide your lender’s name and address to your insurance carrier when purchasing.
Most commonly accepted:
  • Declarations page: Shows all policy details, coverage amounts, and VIN
  • Certificate of insurance: Formal proof document
  • Insurance card: May be acceptable for some situations
  • Insurance binder: Temporary coverage proof
Your lender and state determine what’s acceptable. The declarations page typically meets all requirements.
This depends on your state:
  • Some states accept out-of-state insurance
  • Many states require the carrier to be licensed in your registration state
  • Check your state policy requirements shown in Ekho
When in doubt, choose a carrier licensed in your registration state.
High quotes can result from:
  • Vehicle type (high-performance, electric, expensive to repair)
  • Your driving record
  • Your location
  • Coverage amounts required
Try:
  • Getting quotes from multiple carriers (rates vary significantly)
  • Asking about discounts (multi-policy, good driver, etc.)
  • Adjusting deductibles (higher deductible = lower premium)
  • Ensuring you’re not over-insuring beyond requirements
Don’t reduce coverage below required amounts to save money—this will prevent you from completing your purchase.
GAP (Guaranteed Asset Protection) insurance covers the difference between what you owe and what your vehicle is worth if it’s totaled.Check if:
  • Your lender requires it (shown in lender requirements)
  • You’re putting down less than 20%
  • Your vehicle depreciates quickly
Some lenders require it, others recommend it. Review your lender requirements in Ekho.
No. Ekho shows you recommended carriers and requirements, but you purchase insurance directly from the carrier:
  • Visit the carrier’s website
  • Call their agents
  • Use their online quote tools
After purchasing, you return to Ekho to validate your insurance.
Timeline varies:
  • Online quotes: Instant to a few minutes
  • Agent quotes: Same day to 1-2 business days
  • Policy issuance: Immediate to 24 hours after purchase
  • Proof documents: Immediate via email or through carrier portal
Most buyers can complete the entire process in under an hour.
Yes, if you’re required to validate your insurance:
  • Contact your carrier to add the new vehicle to your policy
  • Provide them with the VIN (once you have it)
  • If financing, also add your lender as lienholder
  • Request an updated declarations page showing the additions
Without the vehicle and lienholder on your policy, validation will fail.
Automatic Verification:
  • Log into your insurance carrier’s account
  • System checks policy details instantly
  • Results in about 1 minute
  • If successful, continue immediately
  • If unsuccessful, switch to manual upload
Manual Upload:
  • Enter policy details and upload documents
  • Ekho team reviews manually
  • Takes 1-2 business days
  • Used after automatic verification fails or if you prefer
Try automatic first—it’s much faster if it works.
Common reasons:
  • VIN not on policy: Your new vehicle isn’t added to your policy yet
  • Lienholder missing: Your lender isn’t listed (if financing)
  • Low coverage: Your coverage amounts are below requirements
  • Policy inactive: Your policy is expired or not yet effective
  • Wrong vehicle: The system found your old vehicle but not the new one
  • Multiple policies: You have multiple policies and the system couldn’t determine which one applies
Read the specific errors shown and contact your carrier to fix them before trying again.
If your carrier isn’t listed when you try to log in:
  • Use the manual upload option instead
  • Enter your policy details
  • Upload your declarations page
  • Ekho team will review manually
Not all carriers support automatic verification, but manual upload works for any carrier.
Best options in order:
  1. Declarations page: Shows all policy details, VIN, lienholder, coverage amounts (preferred)
  2. Certificate of insurance: Formal document with complete policy information
  3. Insurance binder: Temporary coverage document with full details
  4. Verification of insurance (VOI): May be acceptable depending on requirements
The declarations page is almost always the best choice as it shows everything needed in one document.
If you’re financing, you may be blocked until you accept an offer:
  • The lender requirements depend on which lender you choose
  • Each lender has different coverage requirements
  • System needs to know which lender’s requirements to check
Accept your financing offer first, then proceed with insurance validation.
Contact your insurance carrier and provide:
  • Your lender’s name (shown in your Ekho financing information)
  • Your lender’s address (shown in Ekho or ask Ekho support)
  • Your policy number
  • Your new vehicle’s VIN
Ask them to add the lender as “lienholder” or “loss payee.” Request an updated declarations page showing the lender once added.
Likely yes:
  • Adding a vehicle usually increases your premium
  • The amount depends on the vehicle type, value, and coverage levels
  • Contact your carrier for a quote before adding
  • You may be able to remove an old vehicle to offset the cost
The cost increase is separate from your Ekho purchase—you pay your carrier directly for any premium changes.
If your current coverage doesn’t meet requirements, you have two options:Option 1: Update Your Existing Policy
  • Contact your carrier to increase coverage
  • Request quotes for higher limits
  • Update your policy with the new coverage amounts
  • Obtain a new declarations page showing increased coverage
Option 2: Get a New Insurance Policy
  • Purchase a new policy through one of Ekho’s recommended carriers
  • Ensure the new policy meets all requirements from the start
  • See the Get Insurance section for details
Lenders often require higher coverage than state minimums. You’ll need to meet the higher requirement.
Generally no:
  • The named insured typically must match the buyer
  • Some exceptions for spouses or co-owners
  • You may need additional documentation
If your insurance is in a different name, contact Ekho support before attempting validation to understand your options.
Your policy must meet timing requirements:
  • Start date must be before your delivery date
  • Expiry date must be at least 90 days after your delivery date
  • No gaps in coverage allowed
If your dates don’t align, you may need to adjust your policy dates with your carrier.
Timeline:
  • Document upload: Immediate
  • Team review: 1-2 business days typically
  • Email notification: Sent when review is complete
  • Resubmit if needed: Additional 1-2 business days
To speed this up, ensure your documents are clear, complete, and meet all requirements before uploading.
If you realize you uploaded the wrong document:
  • Contact Ekho support immediately
  • Explain that you need to reupload
  • They may create a way for you to resubmit
  • Or wait for team review—they’ll email you to request the correct document
It’s best to double-check before submitting, but mistakes can be corrected.
Yes! Click “View insurance requirements” at any time during the upload process:
  • A modal opens showing all state and lender requirements
  • Reference this while reviewing your documents
  • Confirm your documents show everything listed
  • Close the modal to continue uploading
This helps ensure you’re providing complete information.
If the team finds issues:
  • You’ll receive an email with specific problems
  • Contact your carrier to fix the issues
  • Obtain new/corrected documents
  • You may see an action item to re-upload in your portal
  • Submit the corrected documents for re-review
Common fixes: getting higher quality scans, adding VIN/lienholder, or providing missing pages.
It depends:
  • If financing: Almost always yes, lenders require it
  • If paying cash: May only need liability (check state requirements)
  • Check your requirements page: Shows exactly what’s needed
Comprehensive covers non-collision damage (theft, weather). Collision covers accident damage. Together they’re called “full coverage.”
Yes, before you complete validation:
  • Go back to the insurance choice page
  • Select “Purchase a new policy” instead
  • Follow the get insurance workflow
Once your existing insurance is validated, switching would require contacting Ekho support.
That’s fine, as long as:
  • Your new vehicle is added to that policy
  • The VIN for your new vehicle appears on the policy
  • All coverage requirements are met for the new vehicle
  • Your declarations page clearly shows the new vehicle
Multi-vehicle policies are common and acceptable.
Yes. After your purchase is complete:
  • You’re free to switch carriers at any time
  • Notify your lender if you’re still financing (they need the new policy info)
  • Ensure continuous coverage with no gaps
  • Compare rates regularly for potential savings