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URL:  https://boards.fool.com/in-my-experience-the-garage-policy-would-23643697.aspx

Subject:  Re: Questions about purchasing a used vehicle Date:  2/1/2006  2:54 PM
Author:  GADawg Number:  46665 of 73760

In my experience, the garage policy would generally be primary on owned vehicles and under personal auto policies, coverage on temporary substitute autos is invariably secondary ...

As someone else pointed out, this can vary by state. In Georgia, car dealers have a very good political lobby so the test driver's insurance is primary. Since the OP called his insurer, I assume he got the correct information.
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