Do I really need to purchase full coverage insurance on a used car from a dealership, or can I get away with liability-only coverage

It is not necessarily required to purchase full coverage insurance on a used car from a dealership, but it may be recommended depending on the circumstances. If you are financing the purchase of the used car, the lender may require full coverage insurance to protect their investment. This is because the vehicle is being used as collateral for the loan, and the lender wants to ensure that it is properly protected in case of damage or destruction.

However, if you are not financing the purchase of the used car and you own it outright, you may not need to purchase full coverage insurance. In this case, you may be able to get away with liability-only coverage, which is the minimum amount of insurance required by law in most states. Liability insurance covers damages to other people or property in the event of an accident, but it does not cover damages to your own vehicle.

It's important to note that even if you are not required to have full coverage insurance, it may still be a good idea to consider purchasing it. Full coverage insurance provides protection against damage or loss due to theft, fire, or natural disasters, which can provide peace of mind and financial protection in the event of an unexpected event. Additionally, if you are financing the purchase of the used car, full coverage insurance may be required by the lender as a condition of the loan.

Ultimately, the decision to purchase full coverage insurance on a used car from a dealership will depend on your individual circumstances and needs. It's a good idea to consult with an insurance professional or do some research to determine the best course of action for your specific situation.