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The cost of auto insurance depends on the model being covered, so you must know at least the kind of car you will buy before the policy becomes active. But you can work with the insurance company or agent to get everything in order so the insurance is ready to go as soon as you own the car.
You don't need a driver's license to own a car, and thus to buy insurance, but you must have that license before you drive the car on public roads.
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