Auto Insurance

How to Buy Car Insurance for the First Time

You’re a new driver and you’re trying to find out how to buy car insurance for the first time.  We know it can be confusing, but rest assured you’ve come to the right place to find out what you need to know and to get the best car insurance quote possible as a new driver.

How to Buy Car Insurance for the First Time

While it’s true that car insurance for first time drivers is more costly than for drivers with proven and safe driving records, a first time driver has to be even more diligent about obtaining multiple quotes to make sure that their higher quote is as low as possible.  Young people need budget minded auto insurance more than anyone typically.  With our rapid quote system at the top of our website you can get multiple company quotes fast and conveniently right from the comfort of your own home.  More and more people are finding this to be the single biggest cost savings effort for insurance that they’ve ever done.

To learn how to get car insurance for the first time, you have to learn what your insurance options are.  Insurance requirements are regulated at the state level in every state.  You are either in a no-fault state where it doesn’t matter who was at fault and your insurance company will pay for damages to your car, you and others possibly involved in an accident or you’re in a tort law state where fault is assigned to the person found at fault and their insurance company pays for property, vehicle and possibly bodily injury damage.

How to Buy Car Insurance for the First Time

If you’re in a no-fault state, you’re state typically requires a minimum of PIP or Personal Injury Protection insurance.  This is an additional coverage that will pay withing specified limits, the medical, hospital and funeral expenses of the insured person, people in the insured vehicle and pedestrians struck by the insured vehicle. PIP is the basic coverage used in no-fault insurance states.  Find out what kind of State you’re in.

Your auto insurance quote will be based on your location, type of car you drive, value of the car, whether you have a loan on it or not, how many miles you drive, the safety features of your car and your credit rating.  Some of these you can control and some you can’t.

How to Buy Car Insurance for the First Time

Cheap car insurance for first time buyers is mainly directed by the value of your car.  If you have a cheaper car with no loan and worth less than about $4000 it may not pay for you to have collision insurance.  It’s usually a choice to save by not having this coverage.

If you have a newer car or any car with a loan, the loan company will make you have collision insurance to replace the value of the car to support their underlying loan so the car can be paid off if it’s damaged beyond repair or totaled.

The next thing to consider is the amount of deductible you get quoted.  The deductible is your out of pocket cost that you pay prior to your insurance taking effect.  Raise your deductible to the highest amount you can afford if you do get into an accident.  It will measurably drop your premium.

Lastly, drive less, carpool more because insurance is higher for those that drive more because they increase the chances of an accident.  Additionally, don’t drive a sports car or high performance car or expensive import.  You’ve just asking for a higher insurance premium.

With all of these ideas and knowledge you gained you can now begin getting your quotes.  By putting your zip code into our rapid quote system, you’ll be given a page with the top providers in your area that are willing to compete for your business.  Car insurance for first time drivers doesn’t have to be more expensive than it should be if you do your homework.  We hope you heed our advice and begin getting multiple quotes so you can be confident you’re getting the best quote possible.

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